Bank fee analysis that checks every statement line against the agreed price, and claims each overcharge back with proof
Every bank fee checked against the agreed price, every overcharge claimed with proof.
See one case, screen by screen ↓Bank Fee Analysis audits bank account analysis statements against the pricing treasury negotiated. Seven agents read each bank's monthly statement in any format, map every line to an AFP service code, check prices, volumes and the earnings credit against the agreements and your own records, re-check every finding and draft a cited claim letter. The treasury manager approves and signs every claim.
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Every bank sends treasury an account analysis statement each month: a hundred lines or more of ACH, wires, lockbox, positive pay and account maintenance, each with a volume and a unit price, offset by an earnings credit on balances. One bank sends an X12 822, another a camt.086, a third a PDF. Each uses its own service codes. The agreed prices sit in a treasury services agreement exhibit, pricing letters and side letters, and nobody has the week it takes to re-price every line in a spreadsheet.
So the errors get paid. A bank's billing system drops your pricing and goes back to its standard rate card. A batch of wires is billed twice after a re-run on the bank's side. Maintenance runs on accounts closed months ago. The earnings credit is applied below the fixed rate. A new fee appears with no agreed price, and a proposed price rise becomes the new baseline because no one answered. Checking volumes against your own payment hub needs data from other teams, so it rarely happens at all.
Estimated split for a group with four banks and about 60 accounts, by hand and with the solution. The hours after are the people's time to review, decide and sign.
Seven agents read every statement, map it to service codes, check prices and volumes, re-check each finding and draft the claim; a person signs.
Kestrel & Vane Group pays $386,420 in bank fees in September 2026 across four banks and 61 accounts. On Wednesday 14 October the treasury manager opens the working solution. Here is how he works with the agents, screen by screen.
All four banks' September statements are in and checked. Owen's Today screen shows $21,974 to claim back from five findings, each re-checked, and four items waiting for him, ranked by due date: the First Harbor claim, a new Halvard fee, an Osterly price change and an overdue Vantmoor claim. Beside them, the fee team talks to him in plain words, and every answer cites its source.
Claim agent: “Morning, Owen. September is checked: 4 statements, 343 lines, $386,420. I drafted three claims; one is yours to approve.”
The X12 822 arrived on Saturday: 112 lines across 14 accounts, checked against the Treasury Services Agreement, Exhibit B, by seven agents in four minutes. Each service sits on its AFP service code, with First Harbor's own code beneath it, the volume, the agreed and charged price, and a bar for the overcharge. Charged $142,860.00; should have been $125,466.00; $17,394 over the agreed price.
“You approve claims up to $25,000 (TP-07 4.2). Nothing is sent before a person signs.”
Owen opens the ACH debit line. The bank charged 412,050 × $0.12, $49,446.00; Exhibit B agrees 412,050 × $0.08, $32,964.00. That is $16,482 over. Each citation opens the exact passage: Exhibit B fixes prices for the term, and changes need 60 days' written notice and Kestrel & Vane's written agreement. The drawer shows how each agent got there, and lets Owen keep the line in the claim or dismiss it with a reason.
Pricing agent: “$0.12 is First Harbor’s standard rate card, so their system lost our pricing on 1 Sep.”
First Harbor billed 2,184 outgoing domestic wires; the payment hub sent 2,088. The volume agent answers Owen with both sources and filters the sheet to that line. ACH returns rose 38% on August, but the payment hub received the same 1,210 returns, so the agent cleared the line and left a note instead of raising noise.
Volume agent: “Batch WB-0917-B, 96 wires, released once on 17 Sep and billed again on 18 Sep after a re-run on the bank’s side. 96 × $9.50 = $912.”
Owen presses Re-check with the agents and watches all seven work in turn, each in about a second: read the 822, map the codes, compare prices to Exhibit B, compare volumes to the payment hub and account register, compare prices with the other three banks, re-compute every finding, update the claim. The checker agent starts from the raw line and the passage and never sees the others' working.
“Same findings as this morning. Nothing changed; the run is in the audit trail.”
Halvard's camt.086 carries a new line, LQR-MTH, liquidity reporting, €1,400 ($1,520). It is not in price list HB-2026, and the mapping agent is only 71% sure of its service code. No one can tell whether someone ordered it, so it comes to Owen as a decision with three plain choices: claim it back, ask the bank first, or accept it as a new fee. He signs whichever he picks.
Code mapping agent: “One fee at Halvard has no agreed price. I would rather ask than guess.”
The claim agent has drafted the letter to Martin Hale, Treasury Management Officer at First Harbor: a request for a credit of $17,394 against Exhibit B, with each line tied to the statement, the agreement and Kestrel & Vane's own records. Owen asks it to also have the bank fix the price in its billing system; the agent adds the paragraph and the total stays $17,394.
“The statement lines, our records and the agreed prices are attached. Please confirm the credit within 30 days.”
The claim sits inside Owen's band under treasury policy TP-07 §4.2, so he approves it himself. He picks reason code CLM-PR, price above the agreed schedule, ticks that he has read the evidence and signs. The letter, the statement lines and the agreed prices are signed together. Only then does Send appear, and after sending the claim agent reads the October statement line by line for the credit.
“I have read the evidence. Sign as Owen Price, Treasury Manager.”
On Claims, $44,752 is open across six claims and $128,053 has been credited this year. Asked which claims are late or disputed, the claim agent filters the list to two: CLM-0917 to Vantmoor, $16,215, with no reply in 54 days against a 30-day clock, and CLM-0924 to Halvard, $4,843, which the bank disputes. A reminder to Vantmoor is drafted for a person to send.
“The agent drafts and follows up; it never sends a claim or a reminder without a person.”
Exhibit B allows a pricing review by 1 Mar 2027. The benchmark agent has built it: ask First Harbor for ACH debits at $0.065, outgoing wires at $8.00, incoming wires at $5.00 and checks paid at $0.12, all prices Kestrel & Vane already pays another bank. At September volumes × 12 that is an estimated $137,510 a year, with four billing errors in twelve months, $23,059, as leverage. Sofia presents it; Owen approves the letter.
“Asks are the lowest price we already pay another bank for the same service.”
The same month of statements, seen by five of the people in treasury and audit — what the work looked like, and what it looks like now.
Seven agents read every statement, map it to service codes, check prices and volumes, re-check each finding and draft the claim; a person signs.
Reads each account analysis statement the hour it arrives — X12 822, BAI2, camt.086, TWIST BSB, CSV or PDF — into service lines, balances and the earnings credit, and checks that the lines add up to the statement total.
Maps each bank's own service code to an AFP service code from the bank's description, the price schedule and past statements, with a confidence and the reason, so the same service can be compared across banks.
Compares every line and the earnings credit rate with the schedule in force for the statement month, reading every agreement, pricing letter and side letter, and costs any proposed price change.
Compares billed volumes with what really happened: wires and ACH from the payment hub, accounts from the account register. Finds items billed twice and charges on closed accounts, and clears volume moves our records confirm.
Compares the same service across banks by AFP service code, converting currencies at month-end, and builds pricing reviews and RFP volume files from twelve months of our own volumes.
Re-computes every finding from the raw statement line and the source passage, without seeing the other agents' working, before anyone sees it.
Drafts one claim per bank per month with every line cited, routes it to the right approver, and after sending chases it on the 30-day clock and reads the next statement for the credit.
Approve by band with a reason code; two signatures above $25,000. The agents propose; a named person decides.
Ask about any bank, fee, price or claim, or tell the agents what to do. Every answer cites the statement line, the agreement passage or our own record.
Why is the ACH debit price wrong?
Exhibit B fixes ACH debit originated at $0.08 for the term; the September statement charges $0.12 on 412,050 items. $0.12 is First Harbor’s standard rate card, so their system lost our pricing on 1 Sep. Overcharge: $16,482. I have asked the claim agent to request a fix in their billing system as well as the refund.
What is the new Halvard fee?
A “liquidity reporting” charge of €1,400 ($1,520) on the September camt.086. It is not in price list HB-2026, and §9 says new services need written agreement. I cannot tell whether someone asked for it, so it needs you: claim, ask the bank, or accept.
How did you work out the earnings credit?
Average collected balance $9.2M × (3.10% − 2.85%) × 30/365 = $1,890. Osterly moved to its managed rate on 1 Sep; our 2026 letter fixes the rate, so it does not apply to us.
What does the Osterly change cost us?
Lockbox items from $0.30 to $0.34: at 128,600 items a month that is $5,144 a month, $61,728 a year. The 2026 letter runs to 31 Dec, so a change on 1 Nov needs our agreement. I suggest you do not accept it before the year-end review.
13 screens from the working solution, on its sample data. Pick one to see it large.
What counts as a finding and what the agents may do are settings. A change takes effect on the next statement and needs the assistant treasurer's approval.
| Setting | Default | Choose from |
|---|---|---|
| Flag a price above the agreed price by more than | $0.001 per item | Any amount per item |
| Flag a billed volume above our records by more than | 0.5% | Any percentage |
| Flag an earnings credit rate below agreed by more than | 0.05 points | Any number of points |
| Look back over | 3 months | Any number of months |
| Smallest claim worth sending | $250 | Any amount; raised from $100 on 2 Oct |
| Ask a person when the mapping is less sure than | 90% | Any confidence |
| A fee with no agreed price | Always ask a person | Always ask a person · Claim it back |
| Re-check every finding with the checker agent | Always | Always |
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
“demo” = seen in the working solution, on its sample data · “target” = the design goal, measured in the live solution · “estimated” = our estimate: the pricing review saving at September volumes × 12, and the split of a month's hours · “typical” = published figures (Treasury News Network — 5–10% of bank fees billed in error; survey of 200+ treasury professionals, 2018 — 64% of corporates have no tool to analyse account analysis statements; Treasury Strategies survey via Treasury News Network — 21% benchmark their service fees). Kestrel & Vane Group, its banks and the people named on this page are fictional — characters and sample data in the working solution.
Bank Fee Analysis audits bank account analysis statements against the pricing treasury negotiated. Seven agents read each bank's monthly statement in any format, map every line to an AFP service code, check prices, volumes and the earnings credit against the agreements and your own records, re-check every finding and draft a cited claim letter. The treasury manager approves and signs every claim.
X12 822, ISO 20022 camt.086, TWIST BSB, BAI2, CSV and PDF. In the working solution two banks send an 822, one a camt.086 and one a 28-page PDF, and all 343 lines are read. When a statement cannot be read, such as a password-protected PDF, the reading agent stops and drafts a request to the bank instead of guessing.
The code mapping agent maps each bank's own code to an AFP service code, from the bank's description, the price schedule and past statements, with a confidence and its reason. Below 90% it asks a treasury analyst. With every service on the same code, the benchmark agent compares the same service across banks.
Yes. The volume agent compares billed wires and ACH items with the payment hub and billed accounts with the account register, which is how it finds items billed twice and fees on closed accounts. The pricing agent checks the earnings credit rate applied against the agreed rate on the collected balance.
No. The claim agent drafts and follows up, but it never approves, sends or dismisses. Each claim is approved by the person in the right band under your treasury policy, with a reason code and a signature, and two signatures above $25,000. Send appears only after a person signs.
Yes. The benchmark agent compares the same service across your banks and builds a pricing review: the asks, the saving a year at your volumes and your record of billing errors with that bank. For an RFP it puts every bidder's price sheet on the same service codes and builds the volume file from your own data.
Yes. A fee with no agreed price and any proposed price change always go to the treasury manager. Every finding is re-checked by an independent agent before anyone sees it, rule changes need the assistant treasurer's approval, and every action is on an audit trail that cannot be edited.
The Agentic Solution Engine builds and deploys it from your requirements and documents — your treasury policy, your bank agreements and pricing letters, and a few months of past statements — and it goes live once every quality gate has passed. Set-up connects the banks, reads the agreements, confirms the service codes, connects your own records and names the approvers.
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