Card fees change the deposit
The client is credited the full payment, but the processor deposits it minus fees, days later. The three numbers stop matching.
Company blogOktopeak calls this "the most common single cause of a trust break"
For law firms
Three numbers should match every month. Find out why they don't.
A monthly check for your trust account. It compares the bank statement, your trust journal and the total of your client ledgers, and lists only the items that break the match, with the likely reason.
One-time build · $4,600
30%
of Connecticut's trust-account audits in 2024 ended with no findings. In 2017 it was only 14%.
Why trust reconciliations break
Hours of ticking off by hand
Bulk transfers have to be matched line by line against the bank. One attorney describes hours of this every month.
User reviewAn attorney's CARET Legal review on Capterra
Auditors look for exactly this
New Jersey has run over 18,000 random trust-account audits since 1981 and referred 4.5% for discipline.
How it works
Three records in
The bank statement file, the trust journal and the client ledger report from your practice software. No bank login needed.
Everything matched
Each bank line is matched to the journal and to the client it belongs to. Most match on their own.
Explain the rest
What is left is listed with the likely reason: card fee, timing, wrong matter or a reversal. When all three agree, you get a dated report.
What you get
- A monthly three-way reconciliation in minutes, not hours
- Every mismatch listed with its likely cause
- A dated, printable report for your records and any audit
- Card fees and timing differences spotted before they build up
A good fit if
- You take card payments into trust
- Your trust reconciliation takes hours, or does not always get done
- You use Clio, MyCase or similar with QuickBooks
Probably not for you if
- Your accounting software already does a three-way reconciliation you trust
- You rarely hold client money in trust
Price
$4,600
One time, for the finished tool. About 65–120 hours of work at the same $50 an hour as the cost calculators on this site.
Talk about your firm- Set up for your bank, card processor and practice software
- Tested on your last three months of trust activity
- A dated monthly reconciliation report
- Training for your bookkeeper
Questions
What is a three-way trust reconciliation?
Checking each month that three numbers agree: the trust bank statement balance, the trust account journal, and the total of all client ledger balances. Many state bars require it; check your own state's rule.
Does it change my accounting?
No. It only reads. Corrections are made by your bookkeeper in your own software. You stay responsible for the trust account.
Do you need access to my bank?
No. You download the statement file from your bank and upload it.
Is this legal advice about trust rules?
No. It shows mismatches. What your state requires, and how to correct an error, is for you and your bar's guidance.
More for law firms: Trust funding tracker, Medical records desk, Lien and settlement closeout, Immigration filing check. Everything for law firms
Updated Sep 28, 2026Have a product in mind? Let's scope it this week.
A 30-minute call gets you a rough timeline and cost — no obligation, no sales deck.