Statement Intelligence
Relationship X-Ray from a business statement.
Upload a customer-permission statement and DepositLeads turns it into cash-flow analysis, treasury product detection, safe leakage discovery, revenue modeling, a switch plan, and a customer-ready PDF.
Avg collected balance
$376K
Deposits to win
$293K
Monthly fees
$3K
High-fit products
8
Upload PDF or CSV
Raw files are parsed transiently. Account numbers are redacted and only hashed identifiers plus sanitized facts are retained in the audit trail.
Demo statement loaded. Upload a CSV or PDF to generate a fresh Relationship X-Ray.
Average collected
$376,276
3 months analyzed
Low / high balance
$211K / $563K
Low low-balance risk
Idle liquidity
$315,857
Modeled sweep / ICS / CDARS conversation
Treasury fit
8
ACH, payroll, RDC, wires, fraud controls
Switch complexity
92/100
Complex
Cash Flow & Deposit Analysis
Total inflows
$209K
Total outflows
$518K
Net cash flow
-$309K
Overdraft days
0
2026-03
Inflows $61K
Outflows $176K
Ending $405K
2026-04
Inflows $69K
Outflows $171K
Ending $303K
2026-05
Inflows $79K
Outflows $171K
Ending $211K
Sanitized Storage Proof
Statement hash
hash_ae1f912bfe8e765da2b7926a
Account hashes
hash_23f33e32a6f4d69b745962e4, hash_15e2b0d3c33891ebb0f1ef60
Raw file stored
No
Raw account numbers stored
No
Transactions analyzed
20
Treasury Product Detection
ACH origination
$64K monthly volume
$64K modeled monthly ACH/payroll movement from uploaded statements.
Validate originator users, exposure limit, approval workflow, prenotes, and file transmission.
Remote deposit capture
$43K monthly volume
$43K modeled monthly check or remote-deposit activity.
Confirm scanner needs, deposit locations, limits, and first-deposit test.
Positive pay
$43K monthly volume
$43K check activity and $182K payment-control exposure.
Scope check issue files, exception users, cutoff times, ACH filters, and dual control.
Wires
$75K monthly volume
$75K modeled monthly wire or finance-company movement.
Set wire limits, callbacks, beneficiary controls, and release authority.
Sweep / ICS / CDARS
$316K monthly volume
$316K modeled idle liquidity after operating cash buffer.
Keep rate conversation disciplined; match liquidity need to sweep, ICS, CDARS, or money market.
Merchant settlement
$47K monthly volume
$47K modeled monthly card/merchant settlement deposits.
Confirm processor, settlement timing, chargeback process, and first settled batch.
Payroll routing
$64K monthly volume
$64K modeled monthly payroll-provider movement.
Build payroll cutover calendar around pay dates, prenotes, and parallel-run timing.
Fraud controls
$182K monthly volume
$182K combined ACH, wire, and check exposure.
Bundle positive pay, ACH filters, dual control, wire callbacks, and exception reporting.
Banking Leakage Map
Outside lender / finance company
Outside lender / finance company pattern observed in sanitized statement activity. Use this for discovery; do not identify a named primary institution unless separately sourced.
Monthly amount
$75K
Transactions
3
Payroll provider
Payroll provider pattern observed in sanitized statement activity. Use this for discovery; do not identify a named primary institution unless separately sourced.
Monthly amount
$64K
Transactions
3
Merchant processor
Merchant processor pattern observed in sanitized statement activity. Use this for discovery; do not identify a named primary institution unless separately sourced.
Monthly amount
$47K
Transactions
3
Tax payment
Tax payment pattern observed in sanitized statement activity. Use this for discovery; do not identify a named primary institution unless separately sourced.
Monthly amount
$11K
Transactions
2
Insurance provider
Insurance provider pattern observed in sanitized statement activity. Use this for discovery; do not identify a named primary institution unless separately sourced.
Monthly amount
$3K
Transactions
1
Revenue & Switch Model
Deposits to win
$293K
Monthly treasury fees
$3K
Annual fee opportunity
$34K
Complexity
Complex
Switch thesis: $293K estimated deposits and $3K monthly treasury fee opportunity are visible from sanitized statement activity.
Pricing guardrails
Do not lead with rate. Lead with operating cash structure, then use sweep/ICS/CDARS for $316K modeled idle liquidity.
Treasury fee waivers should require activation milestones: ACH, RDC, positive pay, payroll, merchant, or sweep.
Use statement patterns for discovery only; do not claim private knowledge of where the company maintains accounts.
One-Click Outputs
Everything a banker needs to turn the statement review into a meeting, proposal, switch plan, and CRM entry.
Pre-call brief
Uploaded statements show $376K average collected balance and $173K average monthly outflows.
5 treasury product fit signals are visible: ACH origination, Remote deposit capture, Positive pay, Wires, Sweep / ICS / CDARS.
Cash movement patterns to review: Outside lender / finance company, Payroll provider, Merchant processor, Tax payment.
Switch thesis: $293K estimated deposits and $3K monthly treasury fee opportunity are visible from sanitized statement activity.
Discovery questions
Which account holds operating cash today, and what balance do you try to maintain before moving excess funds?
How are ACH, payroll, merchant settlement, wires, checks, and fraud controls handled today?
Which payment routines would be painful to move, and what timeline would make the switch feel controlled?
Who approves ACH files, wires, positive pay exceptions, settlement-account changes, and payroll funding?
Would a sweep, ICS, CDARS, or money market structure help separate operating cash from idle liquidity?
Treasury proposal
ACH origination: $64K modeled monthly ACH/payroll movement from uploaded statements. Validate originator users, exposure limit, approval workflow, prenotes, and file transmission.
Remote deposit capture: $43K modeled monthly check or remote-deposit activity. Confirm scanner needs, deposit locations, limits, and first-deposit test.
Positive pay: $43K check activity and $182K payment-control exposure. Scope check issue files, exception users, cutoff times, ACH filters, and dual control.
Wires: $75K modeled monthly wire or finance-company movement. Set wire limits, callbacks, beneficiary controls, and release authority.
Sweep / ICS / CDARS: $316K modeled idle liquidity after operating cash buffer. Keep rate conversation disciplined; match liquidity need to sweep, ICS, CDARS, or money market.
Relationship Switch Kit
Estimated deposits to win: $293K.
Implementation complexity: Complex (92/100).
Monthly treasury fee opportunity: $3K.
Open banker, treasury ops, branch/platform, and manager tasks before the proposal meeting ends.
CRM handoff
Create CRM opportunity statement:hash_ae1f912bfe8e765da2b7926a with source 'Statement Intelligence'.
Set estimated deposits to $293K and monthly treasury fee opportunity to $3K.
Attach products: ACH origination, Remote deposit capture, Positive pay, Wires, Sweep / ICS / CDARS.
Assign banker owner, treasury ops owner, branch/platform owner, and manager review owner.
Track proposal sent, account opened, deposits funded, treasury activated, and source attribution.
Source Proof
Source
Demo customer-permission statement sample
Type
Demo statement
Observed
2026-05-28
Confidence
Demo
Storage
Raw statement file is not retained; only sanitized facts, hashed identifiers, aggregate metrics, and audit metadata are stored.
Compliance Guardrails
Raw statement files are parsed transiently and not retained by the statement intelligence workflow.
Account numbers, routing numbers, loan numbers, and long numeric identifiers are redacted before analysis output.
Stored facts use hashed identifiers, aggregate cash-flow metrics, redacted descriptors, and source/audit metadata only.
Statement Intelligence is a relationship-service and treasury workflow aid, not credit decisioning or FCRA prescreening.
Use leakage language as payment-provider or outside-financial-pattern discovery; do not identify a named primary institution unless separately sourced.