Unlimited Bank Accounts — Made for Businesses That Move Fast

Overview

These are the connected bank and credit card accounts that feed into your accounting program bank feeds in QuickBooks Online. From these connected or manually maintained bank and credit card account registers, ABBL will post your transactions and reconcile these registers to your supplied statements each month.

In the Platinum Program, you may connect as many bank feeds as your company needs to allow ABBL to post and reconcile your accounting.

What “Unlimited Bank Accounts” Means

Unlimited Bank Accounts means the Platinum Program supports the inclusion of all bank and credit card accounts needed to properly maintain your books inside QuickBooks Online.

This feature is designed for businesses that may operate with multiple checking accounts, savings accounts, credit cards, reserve accounts, payroll accounts, or other financial accounts and need them all reflected in one organized accounting system.

Unlimited accounts refers to the number of accounts connected, not unlimited transaction volume.

Important Scope Boundary: Unlimited Accounts Does Not Mean Unlimited Transactions

While the number of bank and credit card accounts may be unlimited, the total transaction activity across all accounts is still subject to the Platinum Program transaction baseline.

The Platinum Program includes approximately:

• 200 total financial transactions per month

• measured on an approximately 90-day average

If total transaction activity across all accounts remains above 200 transactions per month on a sustained 90-day average, ABBL may apply additional fees based on total transaction volume.

This is because the actual workload is driven more by the number and complexity of transactions than by the number of accounts alone.

For example:

• A client may have 20 bank accounts, but if 10 of those accounts only receive 2–3 transactions per month, those accounts may create far less work than

• A client with 5 bank accounts that collectively produce 201+ transactions per month

This distinction exists to ensure fair pricing based on actual accounting workload and complexity.

How ABBL Uses This Feature

From these connected or manually maintained bank and credit card registers, ABBL will:

• post transactions to the accounting records

• review and maintain account activity inside QuickBooks Online

• reconcile accounts to the related monthly statements

• incorporate all included account activity into the monthly financial reporting process

This allows the client’s financial records to reflect the full picture of business cash activity across all approved accounts.

Discounts for Efficient Bank Statement Access

ABBL offers 10% discounts for clients who provide one of the following:

• access for statement retrieval,

• limited-access bank login credentials, or

• timely uploads of monthly account statements for these accounts by the 5th of the month

This discount is intended to reward clients who help create a more streamlined and efficient month-end process.

When ABBL has timely and reliable access to statements, the accounting workflow is more efficient, reconciliation delays are reduced, and month-end reporting can move forward faster and more accurately.

Convenience Fees if Access Is Not Provided

If account access is not provided and the client consistently cannot upload monthly statements to HubDoc or the client portal by the 5th of the month, convenience fees may be assessed on the next engagement.

This is because delayed or missing statement access creates additional administrative follow-up, slows reconciliation work, and increases manual effort required to complete the accounting accurately and on time.

Client Coordination for High-Account Structures

If your business has many accounts that need to be included, ABBL expects this to be discussed during onboarding or account review so that the correct:

• user settings,

• access levels,

• bank credentials, and

• retrieval methods

can be established to create streamlined efficiency each month without bottlenecks.

ABBL can also recommend banking solutions to help simplify account management and improve workflow efficiency where needed.

What Is Included

This feature includes:

• support for unlimited bank and credit card accounts in QuickBooks Online

• posting of transactions from connected or manually maintained account registers

• monthly reconciliation of those account registers to supplied statements

• inclusion of all approved account activity in the accounting and reporting workflow

What Is Not Included

This feature does not include:

• unlimited transaction volume

• waiver of additional fees when total transaction activity exceeds the Platinum baseline on a sustained basis

• guaranteed discounts when statement access or timely uploads are not provided

• elimination of convenience fees caused by repeated delays in statement delivery

Client Training Explanation / Key Takeaway

Unlimited Bank Accounts means ABBL can support the number of accounts your business truly needs. The real scope boundary is not the account count itself, but the total transaction activity flowing through those accounts.

If your business has many accounts with low activity, that may still fit comfortably within Platinum. If your accounts collectively create sustained transaction volume above the included baseline, pricing may increase based on the additional accounting workload.

Clients who provide limited-access login credentials, statement retrieval access, or timely statement uploads by the 5th of the month may receive a 10% discount, while repeated delays in providing statements may result in convenience fees on the next engagement.

This feature is designed to give flexibility in account structure while keeping pricing tied to the actual work required.