Bank lines matched to your books,
exceptions surfaced, not buried
Most bank lines match your ledger exactly: same amount, same date, same counterparty. A handful don't, and those are the only ones that need a bookkeeper's judgment. We build an agent that pulls your bank or card feed and matches the obvious lines to your ledger on its own. Your team gets a short list of the exceptions that actually need a look.
Why month-end still eats a week
Reconciliation looks like one job, but it is really two. Most bank and card feed lines match an entry in your ledger exactly, same amount, same date, same counterparty, and clear themselves in seconds. A small number don’t: a timing difference, a bank fee, an FX conversion a few cents off. Those are the ones that need a bookkeeper’s actual judgment.
The trouble is you can’t tell which lines are which until someone has checked all of them. The boring majority still has to be read line by line before anyone knows what the real exceptions even are.
Frequency makes it worse. Many teams only reconcile at month-end. A double payment or a transaction that shouldn’t be there can sit undetected for weeks. By the time it surfaces, it’s harder to trace back to its cause. And reconciliation lands on finance’s desk right when month-end close is already eating every spare hour, so it gets rushed exactly when accuracy matters most.
How the agent clears the easy lines
The agent pulls your bank or card feed on a schedule, daily or weekly rather than only at month-end. Same amount and date gets matched outright. Known patterns, recurring transfers, standard fees, typical FX differences, get matched against a rule set your team defines.
What’s left after that automatic pass is a short, real exception list. It’s ranked by amount and age. The biggest and oldest open items sit at the top, instead of being buried in a full line-by-line read.
Each run also produces a summary: how many lines matched automatically, what’s still open, and how that compares to the prior period. A controller can see at a glance whether the process is running smoothly. A change worth a rule update, a new bank, a new payment method, a vendor with a new invoicing pattern, shows up the same way.
What a bookkeeper still signs off
A bookkeeper reviews the exception list. Any correcting entry, a reclassification, a write-off, a dispute with the bank, is posted by a person. Never automatically.
The matching rules themselves also stay with your team. What counts as a normal FX variance, which recurring transfers are expected: your team sets those and adjusts them as the business changes. The agent applies the rules. It doesn’t invent them.
What’s logged, always
Every matched line and every unmatched line is logged, so a full reconciliation trail exists even for the lines that cleared automatically, not just the exceptions. No correcting or adjusting entry goes through without a human signing off. Large or unusual exceptions get flagged with extra prominence instead of sitting at the bottom of a long list.
Price and timeline
| Option | Price | What it covers | Timeline |
|---|---|---|---|
| Single automation | from $500 | One bank account, one ledger, daily or weekly matching | 3 to 8 days |
| Department package | from $2,500 | Bank reconciliation plus invoice processing and expense categorisation across your finance team | 2 to 4 weeks |
Running cost is usually $10 to $40 a month in model usage depending on transaction volume, with a budget cap set before launch.
Related
Pair this with invoice processing: once a bank line clears, the payment side of a posted invoice closes on its own. Add expense categorisation so matched lines arrive already coded correctly. For the collections side of the same ledger, see accounts receivable reminders.
The full package breakdown lives on the AI agents service page and the automation-everything overview. For a real finance rebuild where this kind of matching runs end to end, see the factory ERP recovery case study. For the margin-guard logic behind it, see the ProBay AI agent team case study.
Ready to stop reconciling the obvious lines by hand? Get in touch and we will look at your bank feed in the first call.
Tired of doing this by hand? We can take the whole routine off your team, not only this step: Routine takeover, from $400 →
FAQ
How much does automated bank reconciliation cost?
from $500 for one bank account and one ledger. More accounts or currencies add time, quoted after a short review.
How long does setup take?
3 to 8 days once we have read access to your bank feed and ledger.
What systems does it use?
Your accounting system's ledger plus your bank or card provider's feed or statement export.
What happens with a genuine discrepancy?
An unexpected fee, a timing difference, a real error: anything that does not match cleanly goes to the exception list for a bookkeeper. The agent never posts a correcting entry on its own.
Is our bank data secure?
Bank data is read through the connections you authorize and used only for matching. We do not store statements beyond what reconciliation requires.