Operating accounts, payroll, merchant settlement and credit, with dual approval and role-based access as standard.
Nobody moves money on their own unless you decide they can. Approvals, limits and read-only access are set when the account opens, not bolted on after an incident.
Meridian ran payroll through a processor that took three business days to settle, which meant funding on Tuesday for a Friday pay date. Moving origination onto Rockfield same-day ACH, with dual approval held by their controller and CFO, brought funding to the day before and removed the float they were carrying purely to cover the gap.
Eighty-four units on a constrained site, financed on a facility that released against surveyed progress rather than a fixed schedule. The developer kept a named underwriter through the whole build, which mattered twice when the programme moved.
Card settlement arriving on different days across nine stores made reconciliation a weekly argument. Settlement now lands next business day into one operating account with store-level references on every deposit, and the bookkeeper has read-only access that cannot move money.
Two salaries landing on different days and a savings habit that kept losing to the month. A sweep the day after each payday and round-ups on card spending did what a budgeting app had not, because neither of them required a decision.
