The short answer
Fiserv no longer sells its own bank reconciliation software. In July 2023 Trintech bought Fiserv's financial reconciliation business, meaning Frontier Reconciliation and Accurate Reconciliation, with more than 400 clients. So a bank or credit union on DNA, Premier, Signature or Portico that searches for Fiserv reconciliation software today has three real options: the reports and exception screens of the core itself, a Trintech product sold into the Fiserv base, or an independent platform that reads the core's output.
BankAutomation is the third kind. It does not replace your core, sit in the posting run or need a Fiserv API. It takes the daily reports your back office already pulls, matches them against the Fed, the networks and your correspondents, and leaves the team with the real differences instead of a workbook to rebuild every morning.
What a Fiserv bank or credit union reconciles every day
The core is the book of record, but almost nothing that settles money happens inside it. ACH settles through FedACH, card and ATM activity through the networks and the switch, wires through Fedwire, and checks through the Fed or a correspondent. Each of those flows posts to a settlement or clearing GL on the core, and each GL has to be proven against an outside source.
| Account | Core side | Outside evidence | Typical break |
|---|---|---|---|
| ACH settlement and clearing | ACH origination, receipt, return and exception reports and the clearing GL | FedACH settlement on the Fed statement of account, Nacha files by window | Returns posted a day late, an origination file split across two windows, exceptions left in the clearing GL |
| ATM and EFT switch settlement | Core postings from the switch and the ATM settlement GL | Switch settlement report and network settlement (Accel, STAR, PULSE, NYCE, Visa, Mastercard) | Items completed at the switch but rejected on posting, reversals, network fees netted from settlement |
| Debit card disputes | Provisional credits and dispute GL | Network chargeback and representment reports | Provisional credits never reversed or made final after the Reg E clock ran out |
| Federal Reserve account | Due from FRB GL | Fed statement of account and FedLine reports | Fed service charges, cash shipments and returns booked on a different day |
| Correspondent due from | Due from GL per correspondent | BAI2 or CSV statement from the correspondent | Sweeps and fees posted by the correspondent but not on the core |
| Share drafts and inclearing | Posting run and reject GL | Presentment file and the Fed debit | Rejects aging past the midnight deadline |
| Suspense and clearing | Suspense GLs | The items that should have cleared them | Old items nobody owns |
On DNA, practitioners describe ACH balancing as a matter of collecting several batch and online reports, such as a GL reconciliation report and separate ACH return, clearing, exception and origination reports, then tying them to the settlement. Each report is fine on its own. The work is that nobody's system joins them, so a person does it in Excel or an Access database. That joining step is what reconciliation software automates, and it is the same on Premier, Signature or Portico even though the report names differ.
Which Fiserv cores this covers
Fiserv's 10-K filings list Finxact, Cleartouch, DNA, Precision, Premier, Signature and Portico as its principal account processing platforms for depository institutions, with DNA and Signature also sold outside the US. DNA came to Fiserv with Open Solutions in 2013 and serves both banks and credit unions. Portico is a credit union core. Older credit union platforms, including XP2, still run at some institutions.
For reconciliation the platform matters less than people expect. What matters is whether the core can export its daily reports or GL detail as a file: CSV, fixed width text or a report export your team already saves. All of the platforms above can. If your team copies figures off a screen into a spreadsheet today, the first step of the rollout is simply to save that report as a file instead.
What happened to Fiserv Frontier and Accurate
Trintech announced the purchase of Fiserv's financial reconciliation business on July 25, 2023. The deal covered Frontier Reconciliation and Accurate Reconciliation and, according to the announcement, more than 400 clients including eight of the ten largest US banks. Fiserv said it would continue to deliver solutions and services to many of those clients, so plenty of banks still think of Frontier as a Fiserv product and still buy it through their Fiserv relationship.
Frontier works on Fiserv cores. Fiserv's own case study describes Truliant Federal Credit Union, a $3.2 billion credit union on DNA, cutting reconciliation time by 89 to 93 percent after moving off manual processes onto Frontier. If you run Frontier today and are being asked to move to Trintech's cloud version, our Frontier Reconciliation software page maps each Frontier component to a replacement, and the Accurate reconciliation alternative page does the same for Accurate. Credit unions on Trintech's smaller product should read the ReconNET software alternative guide.
ATM, debit and switch settlement on a Fiserv core
The daily switch reconciliation is the one Fiserv institutions mention most. ATM and PIN debit activity is authorized at the EFT switch, settled through the networks in one net amount and posted item by item to the core. Three numbers have to agree: what the switch says happened, what the networks paid or collected, and what the core posted. The gaps come from reversals, items the core rejected on posting, network and switch fees taken out of settlement, and settlement that lands on the Fed account a day after the activity.
Fiserv owns the Accel network, and STAR came with its 2019 purchase of First Data, so many Fiserv banks settle a large share of PIN debit through Fiserv-owned networks. That does not make the reconciliation automatic. The network settlement report, the switch report and the core posting run are still three separate files. The full card side, including Reg E dispute timing, is on our debit card reconciliation software page, and ATM cash, cassettes and surcharge income are on ATM reconciliation software.
Options for reconciliation on a Fiserv core, compared
Most institutions we talk to are choosing between staying with core reports and spreadsheets, buying from the Trintech line that used to be Fiserv's, or adding a separate platform. Here is the honest version of that choice.
| Option | Strength | Where it falls short | Price signal |
|---|---|---|---|
| Core reports plus spreadsheets | No new vendor, the data is already there | No audit trail of who matched what, rebuilt every day, key person risk | Staff time |
| Data prep tools (for example Altair Monarch) feeding Excel or Access | Turns report files into clean tables quickly, used by DNA institutions for ATM and ACH balancing | Prepares data but does not own breaks, age them or route approvals | Per user license |
| Trintech Frontier Reconciliation | High volume bank matching, long history on Fiserv cores | Large implementation, cloud migration and re-quote for existing clients | Quote only |
| Trintech ReconNET | Built for credit unions and community banks | Often quoted alongside Adra or Cadency at renewal | Quote only |
| ReconArt | Bank, card and close modules in one product | Per user licensing grows with the team | Capterra lists from $300 per user a month |
| BankAutomation | ACH, switch, card, Fed, correspondent and suspense in one queue, published pricing | Reads core files rather than posting back; no certification workflow for every balance sheet account | $1,200, $3,900, $9,500 and $14,900 a month, annual billing at half |
If your team closes the day in under an hour with core reports and nothing ages past a week, you do not need any of this. Software earns its cost when two or three people spend their mornings joining reports, when breaks are found at month end rather than the next day, or when an examiner asks who approved a write-off and the answer is a cell comment. Prices for 16 platforms are in the reconciliation software comparison for banks.
A worked example from a DNA credit union switch day
Input
- EFT switch settlement report · 2026-10-08 · 3,214 ATM and PIN debit items · 418,662.50 USD
- Network settlement credited on the Fed statement of account · 2026-10-08 · 412,095.25 USD
- Core postings to the ATM and debit settlement GL · 3,209 items · 418,342.50 USD
Output
- Matched Network settlement plus 6,567.25 USD of network and switch fees netted by rule equals the switch total.
- Matched 3,209 core postings grouped to the switch report, many to one.
- Open 5 items totaling 320.00 USD completed at the switch but rejected on posting, each assigned and aged from 2026-10-08.
The figures tie: 412,095.25 plus 6,567.25 is 418,662.50, and 418,662.50 less 418,342.50 is 320.00, which equals the five rejected items. The fees are an expected difference, so they clear by rule instead of being keyed by hand. The five items are the only thing a person needs to look at, and they are in front of the right person before 9 a.m. The resolver at the top of this page runs the same logic on sample USD settlement data.
Who buys reconciliation software on a Fiserv core
- Accounting and back office managers at credit unions on DNA or Portico who balance ACH and the switch from several core reports every morning.
- Community banks on Premier or Precision whose deposit operations team keeps a spreadsheet per settlement GL.
- Banks on Signature or DNA running Frontier that have been asked to move to Trintech's cloud and want a second price before they sign.
- Institutions that built their own ACH or ATM balancing in Access years ago and lost the person who understood it.
- Controllers who want breaks found the next morning, not at month end, with an approval trail an examiner can follow.
Getting live on a Fiserv core
Nothing changes in your core, your switch or your Fed connection. Your Fiserv contract is not touched.
Step 01
Pick the first two accounts
Usually ACH settlement and the ATM and debit settlement GL, because they break daily and carry the most staff time.
Step 02
Save the reports as files
The core reports your team already reads, the Fed statement of account, the switch and network settlement reports and Nacha files. CSV, fixed width or report exports all work.
Step 03
Approve the rules
FedACH windows, network fee netting, one to many grouping of postings, return timing. One person proposes each rule and a second approves it.
Step 04
Run a month side by side
Include a month end, compare against the current workbook, then switch. Fed account, correspondent and suspense accounts usually follow in the second month.
What it costs
Pricing is published and set per institution, not per user. Operations is $1,200 a month for 250,000 matched items, three source connections and up to 10 users, which covers ACH and the switch at most community banks and credit unions. Platform is $3,900 a month for 2,000,000 items, unlimited sources, up to 50 users, SSO and maker-checker approvals. Institution is $9,500 a month with unlimited items and users for multi-entity groups, and Enterprise is $14,900 a month for private or VPC deployment. Annual billing halves each monthly rate. Every limit is on the pricing page.
The rule types behind the example are on transaction matching software, the ACH side in detail on ACH reconciliation software, and the Fed account on federal reserve account reconciliation software. Credit unions will find share drafts and shared branching on credit union reconciliation software.
Institutions on SilverLake, CIF 20/20, Core Director or Symitar do the same work from different reports, described on Jack Henry reconciliation software.
BankAutomation is an independent product and is not affiliated with, endorsed by or certified by Fiserv. Fiserv, DNA, Premier, Signature, Portico and Accel are trademarks of their owners and are named only to describe compatibility.
Questions about reconciliation software for Fiserv banks and credit unions
Does Fiserv have reconciliation software?
Not any more as a Fiserv product. Fiserv sold its financial reconciliation business, Frontier Reconciliation and Accurate Reconciliation, to Trintech in a deal announced July 25, 2023. Fiserv said it would keep delivering services to many of those clients. Fiserv cores still produce the reports used for daily balancing, and independent platforms such as BankAutomation reconcile from them.
Who owns Frontier Reconciliation now?
Trintech owns Frontier Reconciliation. It bought the product, together with Accurate Reconciliation and the staff supporting both, from Fiserv in 2023. Trintech is moving Frontier clients toward a cloud deployment, so many banks on Frontier are receiving migration plans and new quotes, which is when most of them compare alternatives.
How do Fiserv DNA credit unions reconcile ATM and debit activity?
They match three sources every day: the EFT switch settlement report, the network settlement that lands on the Fed account, and the core postings to the ATM and debit settlement GL. Network fees explain the gap between the first two, and items rejected on posting explain the gap between the switch and the core. Software automates that join and ages what is left.
Does BankAutomation integrate with Fiserv DNA or Premier?
It works from files rather than a Fiserv API. You save the core reports and GL detail your team already uses as CSV, fixed width or report exports, along with the Fed, switch and network files, and BankAutomation matches them. Nothing is written back to the core, so there is no integration project with Fiserv and your core contract is not affected.
Can we keep Frontier and add a daily matching tool?
Yes. Some banks keep Frontier or another certification tool for month end and move only the daily, high volume settlement matching, such as ACH, switch and card, to a platform priced per institution. The certification tool then receives cleaner balances. Others replace Frontier entirely when the cloud migration quote arrives.
How much does reconciliation software cost for a Fiserv bank?
Trintech Frontier and ReconNET are quoted per customer, and Capterra lists ReconArt from $300 per user a month. BankAutomation publishes its prices: $1,200 a month for 250,000 matched items and three sources, $3,900 for 2,000,000 items with unlimited sources, and $9,500 for unlimited volume, with annual billing at half the monthly rate.