The three-way reconciliation your state requires, from your bank feed and your owner ledger.
Runs on the exports you already have. No login, no card.
The totals match. One owner is still negative. That is the finding auditors look for first.
Tied out · Sample data · three-way reconciliationTwo legs are not enough. The third is where violations hide.
What the bank says at month end, adjusted for items in transit.
What your books say the trust account holds.
Every owner and tenant sub-ledger, added up. Must equal the other two legs, none negative.
Deficit spending can hide behind a perfect two-way reconciliation.
17 states spell it out in their license rules.
Over $510,000: one Nevada broker’s fine for trust account failures.
Roughly 20% of North Carolina disciplinary actions in 2020-21 were trust fund mishandling.
3 to 5 hours a month, by hand, to a to-the-cent standard.
Connect once, drop the ledger in monthly.
The trust account connects through Plaid, read-only. Nothing to retype.
Dated and signature-ready, the moment a sub-ledger goes negative.
$299/mo per company, no unit minimums. Also own the properties? See cash across property LLCs. See plans →
Keep your books. Add the proof.
Auditors ask for monthly reconciliations: bank statement, trust ledger, and owner and tenant sub-ledger balances, agreeing to the cent, dated and signed, kept for your state's retention period. TreasuryFlow produces that worksheet monthly, so the audit answer is on file.
Bank to trust ledger, ledger to the sum of owner and tenant sub-ledgers, to the cent, none negative. By hand, 3-5 hours monthly; TreasuryFlow does it from your bank feed and monthly ledger export. Free trust account check, no login.
A negative owner ledger means one owner's money paid another owner's bills: what auditors hunt first. Fund the shortfall from operating, document it, and find the disbursement that caused it. TreasuryFlow flags a negative sub-ledger the month it appears.
QuickBooks reconciles bank to ledger: two legs. It has no third leg, proving the ledger equals the sum of your owner sub-ledgers, none negative. Most do it in a spreadsheet. TreasuryFlow reads your QuickBooks export and does the third leg.
17 states spell it out in their real estate license rules: Arizona, California, Colorado, Florida, Georgia, Illinois, Minnesota, Nevada, New Mexico, North Carolina, Ohio, Oregon, South Carolina, South Dakota, Texas, Washington, and Wisconsin. Every state expects proof on request.
Enforcement is real: license suspension and fines. One Nevada broker was fined over $510,000, and trust fund mishandling was roughly 20% of North Carolina disciplinary actions in 2020-21. The safe posture: a dated reconciliation on file monthly, which TreasuryFlow produces.
No. Practice-management suites start around $300 a month with unit minimums. With QuickBooks or a spreadsheet, TreasuryFlow gives you the audit-ready three-way worksheet for $299/mo per company, no unit minimum. Already on a suite? We read its exports too.
Yes. The bank connection is read-only through Plaid: we see balances and transactions, cannot move money, and you can disconnect anytime. Your ledger stays where it lives today. Try the free trust account check first; it needs no connection.
The worksheet, every bank live, the 13-week forecast, and the morning brief. Never per door, never per seat. 90-day free trial, no credit card.
Run the free three-way check on last month’s statement. No login.
$299/mo per company · 90-day free trial · no contract · see pricing