Managing Your Accounts

Overview

TreasuryPath centralizes all your financial accounts in one place. You can connect accounts from multiple banks and providers, track real-time balances, and configure payment profiles that determine how funds flow in and out of each account.

Account Types

Every bank account in TreasuryPath is classified by a scheme that determines how it behaves in the system:

Cash Accounts

Cash accounts are your standard bank accounts used for daily operations. They track:

• Current balance - The ledger balance as reported by the bank
• Available balance - The amount available for transactions (may differ due to holds or pending transactions)
• USD equivalent - Both balances converted to USD for consolidated reporting

Investment Accounts

Investment accounts track yield-bearing instruments. In addition to balances, they track:

• Annual interest rate - The expected return rate
• Term duration - How long the investment is held (in days, months, or years)
• Maturity date - When the investment matures
• Interest compound frequency - How often interest compounds (daily, monthly, quarterly, or annually)
• Expected and actual earnings - Both projected and realized returns

Credit and Loan Accounts

Credit and loan accounts track borrowing facilities:

• Credit limit - The maximum borrowing capacity
• Outstanding balance - How much has been drawn
• Minimum payment due - The next required payment amount
• Payment due date - When the next payment is due

Connecting Accounts

TreasuryPath supports multiple ways to connect your accounts:

Connecting via Plaid

1. Navigate to Accounts and click Connect Account
2. Select Plaid as the connection method
3. Search for your bank in the Plaid dialog
4. Log in with your bank credentials
5. Select the accounts you want to connect
6. TreasuryPath automatically syncs balances and transactions

Manual Accounts

For accounts not supported by Plaid or API integrations:

1. Navigate to Accounts and click Add Manual Account
2. Enter the account details: name, institution, currency, and account type
3. Enter opening balances
4. Update balances manually as needed

Payment Profiles

Each bank account can have multiple payment profiles that define how it participates in payments:

Usage Types

Profile Statuses

Balance Tracking

TreasuryPath tracks two key balance figures for each account:

• Current Balance - The ledger balance as reported by the bank or provider. This includes all posted transactions.
• Available Balance - The amount actually available for use. This may be lower than the current balance due to pending transactions, holds, or reserve requirements.

Both balances are automatically converted to USD equivalents for consolidated reporting across currencies.

Archiving Accounts

When an account is no longer active, you can archive it rather than delete it:

1. Open the account details
2. Click Archive
3. The account is removed from active views but preserved for historical reporting

Archived accounts retain their transaction history and can be viewed in archived account filters.

Frequently Asked Questions

How often are balances synced?

For Plaid-connected accounts, balances are synced automatically. The sync frequency depends on your plan and the institution. Manual accounts require you to update balances yourself.

Can I connect accounts from multiple banks?

Yes. You can connect accounts from as many banks and providers as you need. Each connection is tracked independently.

What currencies are supported?

TreasuryPath supports accounts in any currency. Balances are tracked in the account’s native currency and automatically converted to USD equivalents for consolidated views.

Can I reconnect a disconnected account?

Yes. If a Plaid connection becomes disconnected (e.g., due to a password change), you will see a reconnection prompt. Click Reconnect and re-authenticate with your bank.

What is the difference between a bank account and a payment profile?

A bank account represents the actual account at a financial institution. A payment profile is a configuration on top of that account that defines how it can be used in payments (debit, credit, or internal). One bank account can have multiple payment profiles for different purposes.