Month-end close
Reconcile bank and credit-card transactions
Imagine reconciles your bank and credit-card accounts by pulling transactions from your feeds, matching them against entries in your general ledger, and clearing the items that agree. Only genuine exceptions, such as unmatched charges or duplicates, are flagged for review, so reconciliation stops being a line-by-line chore and stays fully auditable.
The manual reality today
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01
Line-by-line matching eats the first days of close
Tying hundreds or thousands of bank and card lines to the ledger by hand is slow, and a single transposed amount can throw off the whole reconciliation.
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02
Exceptions hide in the noise
Real problems like duplicate charges, missing deposits, or unrecorded fees get buried under transactions that already match, so they surface late or not at all.
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03
Multiple accounts multiply the work
Each bank account, card program, and merchant processor is its own reconciliation, and keeping them all current every month stretches a small team thin.
How Imagine handles it
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01
Pull transactions from every feed
Transactions are gathered from every connected bank and card account through their feeds, bringing the full period into one place.
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02
Match against the general ledger
Each transaction is compared to your ledger entries using amount, date, payee, and your matching rules, and the items that agree are cleared.
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03
Surface and explain exceptions
Unmatched charges, duplicates, and timing differences are grouped and explained so your team can resolve them quickly instead of hunting for them.
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04
Post and document the reconciliation
Once approved, cleared items are recorded with a complete trail of what matched, what was flagged, and how each exception was handled.
Works with the tools you already run
- QuickBooks Online
- NetSuite
- Xero
- Sage Intacct
- Plaid (bank feeds)
- Mercury
What changes
Reconciliations done early in close
Matching runs automatically, so accounts are typically reconciled in the first stretch of close instead of consuming it.
Attention focused on real exceptions
Your team spends time only on the handful of items that genuinely need judgment, not on confirming what already ties out.
Audit-ready records every period
Each reconciliation carries its full supporting detail, so questions from auditors or owners can be answered without reconstructing the work.
Frequently asked questions
How are transactions matched to the ledger?
Bank and card transactions are compared to your general-ledger entries using amount, date, payee, and the matching rules you set, and the items that agree are cleared automatically. Anything that does not match cleanly is held aside as an exception rather than forced through.
What happens when a transaction has no clear match?
Unmatched items are grouped as exceptions with context, such as similar charges or likely timing differences, so your team can decide how to handle them. Nothing ambiguous is cleared without your review.
Can several accounts be reconciled at once?
Yes. Every connected bank account, credit-card program, and processor is reconciled in the same close, so multi-account businesses do not have to work through each one separately.
Will I still be able to review before anything posts?
Yes. You set which items can clear automatically and which require sign-off, and every match and exception keeps a timestamped record so the reconciliation stays fully auditable.