How a construction CFO consolidated three banks into one morning view.

The problem: three banks, three logins, every morning.

Like most construction CFOs, Matt’s cash didn’t live in one place. Operating accounts at one institution. A bonding bank for the performance-bond escrow contracts the company carries. A money-market fund at a third bank earning 4–5% on idle cash. The week’s cash position was somewhere across the three — never on one screen.

Every morning before his first standing meeting, Matt would log into three separate bank portals, pull yesterday’s ending balances, and stitch them into an Excel tab. Thirty minutes, every weekday, before he could answer the only question that mattered: are we good for the next 30 days?

The fix: one connect, one screen, every morning.

Matt connected all three banks through TreasuryFlow’s Plaid handshake (read-only — no password sharing, can’t move money). Within an hour, the dashboard showed the consolidated position: operating, bonding-escrow, and MMF side by side with their running balances and last-7-day deltas.

Two things happened the first week. First, the $400K MMF stopped hiding — it had been earning 4.7% interest at a separate institution, never showing up in his AR-aging workbook. Now it showed up in the runway calculation alongside operating cash, which changed the answer to “how much can we put toward the next bond?” from I’ll check tomorrow to right now.

Second, the 13-week forecast started catching its own intercompany transfers as transfers, not as expenses — cleaning up a recurring $9,800 wire that had been mis-classified for years.

The outcome.

• 30 minutes/day back. The morning bank ritual is now one screen, not three logins.
• A $400K MMF folded into the runway view. The investment-split account is no longer a separate spreadsheet tab.
• Weekly cash-flow reconciliation works. The 13-week forecast is what Matt opens to answer board questions, not what he rebuilds before them.
• Same answer, every Monday. Different person asking, same number on the screen.

In Matt’s words

“TreasuryFlow is a powerful solution that provides bank account consolidation, dynamic reporting, data visualization and forecasting that your bank can’t offer. Any finance professional responsible for cash flow management would benefit from TreasuryFlow.”

Why this matters if you run a firm.

Matt is one CFO with three banks. If you run a fractional-CFO or bookkeeping firm, you have that times your whole book. Every client is a Matt: multiple accounts, a balance the bank feed won’t roll up cleanly, a Monday spent rebuilding a spreadsheet. TreasuryFlow puts every client’s cash on one screen, pulled live from their banks — so you keep the CFO seat instead of rebuilding spreadsheets.

• The data is from the bank, not from QuickBooks. The accounts QBO shows as “reconcile this by hand” are the ones we surface automatically — the gap that cost Matt his mornings.
• It scales with your book, not against it. Each client is about five minutes to add. You pay $99/active client per month — only for clients who are actually connected.
• Your client never logs into a new dashboard. Their cash position can land in the web portal, Google Sheets, or Excel — whichever they already use.