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SinglePoint Account Summary: Real-Time Balance Dashboard for U.S. Bank Commercial Clients

The SinglePoint Account Summary is the landing view every commercial treasurer reaches first. Real-time balances, intraday positioning refreshed every 15 minutes, available versus ledger views and consolidated multi-account roll-ups render on one authenticated dashboard built on FDIC-insured U.S. Bank infrastructure.

From the SinglePoint Account Summary you can drill into transaction detail, launch custom reports, export BAI2 Prior Day and MT940 statements, and approve time-sensitive items without leaving the screen. This page explains how the summary is structured, how refresh cadences work, and which balance types apply to which workflow.

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SinglePoint Account Summary dashboard showing real-time balance, intraday position and ledger view across multiple commercial accounts

Balance Types Inside the SinglePoint Account Summary

Five balance concepts define the SinglePoint Account Summary view. Understanding each avoids reconciliation mistakes and helps treasurers move cash with confidence.

Real-Time Ledger Balance

Posted book balance updated as debits and credits clear the core banking platform. The SinglePoint Account Summary exposes the real-time ledger for checking, savings, money market and controlled-disbursement accounts. This is the authoritative figure for reconciliation against internal GL.

Available Balance

Ledger less holds (uncollected deposits, positive-pay exceptions, wire memo debits) plus overdraft or credit-line authorisation. Available balance on the SinglePoint Account Summary is the amount a Payment Initiator can legitimately release today without triggering an exception.

Intraday Position

Projected closing balance incorporating already-received Fedwire credits, SWIFT MT103 incoming, inbound ACH (NOC and dollar items), expected outgoing wires and ACH releases. The SinglePoint Account Summary refreshes intraday positioning every 15 minutes during Fedwire hours.

Prior-Day End-of-Day

Finalised close-of-business balance posted around 6:00am CT on the following business day. The SinglePoint Account Summary exposes Prior Day balances for the trailing 90 days online and 7 years via BAI2 archive. This is the figure auditors and tax preparers cite.

Refresh Cadence and API Endpoints

Every balance type on the SinglePoint Account Summary has a defined refresh interval and a matching API endpoint for ERP integration.

Balance TypeRefreshUse CaseAPI Endpoint
Real-time ledgerEvent-driven (seconds)Live reconciliation, cash visibility/v1/accounts/{id}/ledger
Available balanceEvent-driven (seconds)Release decisions, payment approvals/v1/accounts/{id}/available
Intraday positionEvery 15 minutesShort-term sweep, investment decisions/v1/accounts/{id}/intraday
Prior-day end-of-dayDaily 6:00am CTMonth-end close, audit, tax/v1/accounts/{id}/prior-day
BAI2 Prior Day fileDaily 6:00am CTERP batch load, Kyriba / ION import/v1/exports/bai2-prior-day

Consolidated Multi-Account View

The SinglePoint Account Summary rolls up balances by legal entity, cost centre, currency and account type so a single treasurer can monitor a 50-account portfolio on one screen.

Entity Hierarchies

Parent holding companies with multiple operating subsidiaries configure their SinglePoint Account Summary to roll up by entity. Each entity reports USD equivalent at the prevailing close-of-business FX rate, and a drill-through exposes account-level detail. Role-based permissions restrict users to their entity's view.

Prior-day reporting is archived in BAI2 format for 7 years, aligning with OCC recordkeeping expectations and the Federal Reserve commercial account retention guidance.

SinglePoint consolidated multi-entity account summary with rolled-up USD equivalent and entity drill-through
SinglePoint mobile account summary showing real-time ledger and intraday position on iOS with biometric sign-in

Mobile Parity

The SinglePoint Mobile app delivers full parity with the web Account Summary. iOS 16+ and Android 13+ clients see real-time ledger, available balance, intraday position and prior-day end-of-day with the same 15-minute intraday refresh. Biometric sign-in via Face ID, Touch ID or Android BiometricPrompt protects every session.

See SinglePoint Mobile Banking for the full capability matrix.

Balance Snapshot

A compressed walkthrough of what the SinglePoint Account Summary exposes and how it fits into the wider commercial reporting stack.

SinglePoint Account Summary Balance Snapshot

  • Real-time ledger, available balance, intraday position and prior-day end-of-day on one screen.
  • Intraday refresh every 15 minutes during Fedwire operating hours.
  • BAI2 Prior Day and MT940 export available via scheduled SFTP delivery or API pull.
  • Multi-entity consolidated view with USD equivalent and drill-through to account detail.
  • Mobile parity on SinglePoint iOS 16+ and Android 13+ with biometric sign-in.

Account Summary FAQ

How often do SinglePoint Account Summary balances refresh?
Real-time balances refresh within seconds as ledger postings clear the core. Intraday positioning refreshes every 15 minutes during Fedwire hours. Prior-day balances post at approximately 6:00am CT on the following business day.
What is the difference between available balance and ledger balance?
Ledger is the posted book balance. Available is ledger minus holds plus authorised overdraft or credit-line. The Account Summary shows both values side-by-side for every account.
Can the Account Summary consolidate across legal entities?
Yes. Parent holding companies with up to 50 operating subsidiaries routinely view a rolled-up Account Summary under one Company ID. Entity-level detail is one click away and role-based access restricts users to their own entity.
Which export formats does the Account Summary support?
BAI2 Version 2 Prior Day, BAI2 Current Day, SWIFT MT940, SWIFT MT942, CSV and PDF. Scheduled SFTP or API delivery is available. See Data Export.
Does the Account Summary work on mobile?
Yes. Full parity with the web view on iOS 16+ and Android 13+. Same 15-minute intraday refresh and biometric sign-in. See Mobile Banking.

Related SinglePoint Services

Transaction Reporting

60-field activity reports with scheduled delivery.

Custom Reports

Drag-and-drop report builder with GL mapping.

Data Export

BAI2, MT940, CSV and PDF with scheduled SFTP.

User Management

Role-based permissions and audit trail.

Mobile Banking

iOS and Android parity with biometric sign-in.

Treasury Management

ZBA, sweeps, positive pay and lockbox.

Commercial Banking Portal — Topic Cluster