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Account Summary: SinglePoint Real-Time Balance Dashboard

The SinglePoint Account Summary is the landing view every commercial treasury user reaches first. Real-time available, ledger, intraday and prior-day balances appear side-by-side across every U.S. Bank operating account, concentration account, controlled disbursement account and money market sweep.

Consolidated hierarchies roll up 200+ accounts under a single parent company with per-currency totals. Intraday positioning refreshes every 15 minutes. Prior-day settles at 6:00am Central Time via BAI2 and MT940 feeds wired into your TMS, ERP or Excel ribbon.

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SinglePoint Account Summary dashboard showing real-time available and ledger balances across multiple operating accounts

Balance Types on the SinglePoint Account Summary

Five balance types, one dashboard. SinglePoint exposes every dimension Treasury needs to position cash with confidence.

Balance Snapshot

  • Real-Time Available — ledger minus uncollected funds, holds and pending debits; refreshed on every page load.
  • Ledger Balance — posted book balance as of the last core cycle; used for general ledger reconciliation.
  • Intraday Balance — real-time position refreshed every 15 minutes; reflects posted credits and approved releases.
  • Prior-Day Balance — finalised balance from the preceding business day, delivered via BAI2 Prior Day and MT940.
  • Projected Balance — ledger plus scheduled inflows minus scheduled outflows for the next 1-10 business days.

How Real-Time, Intraday and End-of-Day Balances Work Together

The SinglePoint Account Summary is the only place American commercial clients see every balance type on one screen without reconciling between channels.

Real-Time vs Intraday

Real-time balance updates on every page load against the core banking ledger. Intraday positioning batches the same posted events into a 15-minute window so Treasury can spot cash position drift without hammering the refresh button. Both are visible side-by-side on the SinglePoint Account Summary dashboard.

Intraday vs End-of-Day

Intraday reflects inflight posting during the business day. End-of-day settles once the Federal Reserve wire window closes and BAI2 Prior Day generates for delivery at 6:00am Central Time the following business morning. MT940 and MT942 statements are available on the same schedule inside SinglePoint Account Summary.

Available vs Ledger

Ledger is the posted book balance. Available subtracts uncollected funds, Reg CC holds and pending outbound items. Account Summary surfaces both columns so Treasury does not double-deploy cash that has not yet cleared. A third column shows the delta for exception investigation.

Multi-Account Consolidation

Parent-child hierarchies let corporate treasury see the full picture while subsidiary treasurers stay scoped to their own accounts. Rollups calculate by currency, by region and by legal entity. Drill-through navigates from the hierarchy total back to the individual operating account inside SinglePoint Account Summary.

Balance Refresh Matrix

Each balance type has a defined refresh cadence, a canonical use case and a named API endpoint for programmatic access from your ERP or TMS.

Balance TypeRefreshUse CaseAPI Endpoint
Real-Time AvailableEvery page load (seconds)Wire release, ACH approval/v2/balances/available
Intraday PositionEvery 15 minutesCash positioning, funding/v2/balances/intraday
Prior-Day BAI26:00am Central TimeReconciliation, TMS ingestion/v2/statements/bai2-prior-day
MT940 End-of-Day6:00am Central TimeSWIFT consumer reconciliation/v2/statements/mt940
MT942 IntradayEvery 2 hoursGlobal treasury positioning/v2/statements/mt942

Intraday Positioning on SinglePoint Account Summary

Every 15 minutes, the SinglePoint engine rebuilds your intraday position from the core ledger. No manual refresh, no stale data, no reconciliation fog.

15 minIntraday Refresh Cadence
200+Accounts per Hierarchy
6:00 CTPrior-Day BAI2 Delivery
5Balance Dimensions

Consolidated Multi-Account View

The SinglePoint Account Summary collapses the banking footprint of a national corporation onto one screen.

Enterprise Hierarchies

Group operating accounts under a parent company, a legal entity or a geographic region. The Account Summary renders the hierarchy tree with expand/collapse controls and per-level rollup totals. Currency conversion is applied using the U.S. Bank mid-market rate stamped at the render time so cross-currency totals are reproducible.

Per Federal Reserve payment system volume data, a single enterprise treasury team can touch 30,000+ postings per day — Account Summary compresses that into an actionable dashboard.

SinglePoint Account Summary hierarchy tree with parent company, subsidiaries and branch accounts
SinglePoint mobile Account Summary showing real-time balances on iOS

Mobile Parity

The SinglePoint iOS and Android apps render the same Account Summary dashboard as the desktop portal. Biometric sign-in via Face ID, Touch ID or Android BiometricPrompt replaces the hardware token for read-only viewing; wire approvals still require OTP. Push notifications alert the Controller when balances drop below configured thresholds.

Account Summary on mobile respects the same role-based access control as the desktop — an AP clerk sees only the payables account, while the CFO sees the entire hierarchy with rollup totals.

Prior-Day Reporting via BAI2 and MT940

BAI2 Prior Day files deliver at 6:00am Central Time for ingestion into Kyriba, ION, GTreasury, Quantum, SAP TRM and Oracle Treasury. MT940 end-of-day statements deliver on the same cadence for SWIFT consumers. Account Summary surfaces the same data visually so Treasury can reconcile without opening a file.

BAI2 Current Day and MT942 intraday statements deliver at 2-hour intervals across the business day to keep TMS positioning engines synchronised with Account Summary.

SinglePoint BAI2 and MT940 export panel with scheduled delivery options

Related SinglePoint Services

Account Summary anchors the reporting stack. These companion services extend the visibility into transactions, custom reports and user management.

Transaction Reporting — 60-field filterable activity reports
Custom Reports — drag-and-drop report builder
User Management — role-based access control
Mobile Banking — iOS and Android parity
Treasury Management — ZBA, sweeps, positive pay
Wire Transfers — Fedwire and SWIFT
ACH Payments — NACHA origination
Foreign Exchange — 140+ currency pairs

People Also Ask

How often does the SinglePoint Account Summary refresh?
Real-time balances refresh on every page load. Intraday positioning refreshes every 15 minutes. Prior-day BAI2 and MT940 settle at 6:00am Central Time. MT942 intraday statements deliver every 2 hours.
What is the difference between available and ledger balances?
Ledger is the posted book balance. Available subtracts uncollected funds, Reg CC holds and pending outbound items. Both columns are visible on Account Summary.
Does Account Summary support MT940 and BAI2 export?
Yes. Native export for BAI2 Prior Day, BAI2 Current Day, MT940 and MT942. Delivery via SFTP, API pull or secure email.
Is mobile parity provided?
Yes. SinglePoint iOS and Android apps render the same Account Summary with identical fields and refresh cadences. See Mobile Banking.
How many accounts can be consolidated?
No hard limit. Corporate treasury commonly consolidates 200+ operating accounts under a single parent hierarchy with per-currency rollup totals.

Commercial Banking Portal — Topic Cluster