Does Jack Henry sell reconciliation software
Not for your own settlement accounts. When Jack Henry says account reconciliation it usually means a service you sell to commercial customers. Account Reconciliation Reporting in its Treasury Management product lets a business customer pull issued, paid, stale dated and outstanding check reports for its own account, and Jack Henry's documentation says those reports are generated by SilverLake. That is positive pay territory, your customer reconciling their checkbook, not your accounting team proving the ACH settlement GL.
Jack Henry's annual report for the fiscal year ended June 30, 2026 describes one product with reconciliation built in: Payments Orchestrator, whose virtual accounts carry real-time reconciliation of inbound and outbound payments. For the back office work of tying the core to the Fed, the card networks and correspondents, institutions on Jack Henry cores use core reports and spreadsheets, a report mining tool, the reconciliation module of an accounting system, or a separate reconciliation platform. BankAutomation is the last of those, priced per institution.
900+
700+
7 days
$1,200
Institution counts are from the Jack Henry fiscal 2026 annual report. The price is ours.
Jack Henry cores and what changes for reconciliation
The annual report lists three bank cores and one credit union core, each available on premise or in Jack Henry's private cloud. The reconciliation work is the same shape on all four. What differs is who does it and how many settlement accounts they carry.
| Core | Who runs it (Jack Henry fiscal 2026 annual report) | Where reconciliation time goes |
|---|---|---|
| SilverLake | Over 500 banks, assets from $1 billion to $55 billion, about 13 percent of US banks at or under $55 billion | Commercial ACH origination, wires, treasury management volume, several correspondents and a busy Fed account |
| CIF 20/20 | Over 200 banks, from de novo to more than $1 billion in assets | ACH and debit card settlement, official checks and one or two due from accounts, worked by a small team |
| Core Director | About 200 banks, from de novo to more than $2 billion in assets | The same accounts as CIF 20/20, often with one person who owns every workbook |
| Symitar (formerly Episys) | Over 700 credit unions, assets from $21 million to more than $36 billion | Share drafts, ATM and debit networks, shared branching, the corporate credit union account and ACH |
None of the four needs an integration project to be reconciled. If the core can save its daily reports or GL detail as a file, which every Jack Henry core can, that file is the ledger side of the match. Credit unions will find share drafts, shared branching and the corporate account covered in more depth on credit union reconciliation software.
The accounts a Jack Henry institution proves every morning
The core posts to members and customers. Settlement happens somewhere else: at the Fed, at the card networks, at a correspondent, inside a payments hub. Each of those leaves a clearing or settlement GL on the core that somebody has to prove against outside evidence.
| Account | Core side | Outside evidence | Break that shows up most |
|---|---|---|---|
| ACH settlement | ACH origination, receipt and return postings and the ACH clearing GL | FedACH settlement entries on the Fed statement of account, Nacha files by window | A return posted a day after it settled, or a file settled and not released to posting |
| Debit card and ATM settlement | Card postings and the card settlement GL | Processor and network settlement reports, net settlement on the Fed or correspondent account | Network fees netted out of settlement, items settled and rejected on posting |
| Zelle, RTP and FedNow | Instant payment postings and the instant payments settlement GL | Payment hub activity reports, the FedNow entries on the Fed account, the RTP prefunded position | Weekend items booked on Monday, a payment received and never posted to an account |
| Federal Reserve account | Due from FRB GL | Fed statement of account and FedLine reports | Service charges, cash orders and adjustments booked on another day |
| Correspondent and bankers' bank | Due from GL per correspondent | BAI2 or CSV statement | Sweeps, fees and returned items the correspondent posted first |
| Official checks and inclearing | Outstanding official check list, posting rejects | Presentment file and the Fed debit | Items paid twice, rejects past the return deadline |
| Suspense and clearing | Suspense GLs | The items meant to clear them | Old items with no owner |
Each row has its own page if it is the one that hurts: ACH reconciliation software, debit card reconciliation software, federal reserve account reconciliation software, correspondent bank reconciliation software, check reconciliation software and suspense account reconciliation software.
Zelle, RTP and FedNow turned a five day job into a seven day job
Jack Henry describes JHA PayCenter as a single entry point to Zelle, the RTP network and the Federal Reserve's FedNow service. It solves connectivity and posting. It also means money settles on Saturday and Sunday while the accounting team is at home, and Monday starts with three days of activity on one GL.
Two details cause most of the Monday breaks. First, the FedNow cycle date is not the calendar date: the cycle runs from 7 p.m. to 7 p.m. Eastern Time, so a payment that settles at 7:01 p.m. on Friday belongs to Saturday. Second, RTP settles against a prefunded position rather than your Fed account, so its evidence is a different report with a different cutoff. A workbook keyed on posting date will show a difference every Monday that is only timing, and a real unposted item hides inside it.
BankAutomation groups instant payment postings by cycle date, matches them to the Fed and hub evidence for that cycle, and leaves only the items with no partner. The same logic applies to Same Day ACH windows on a weekday. The two rails are taken apart, with the RTP position roll-forward, on instant payments reconciliation software.
A worked example from a Monday on SilverLake
Input
- Fed statement of account, FedNow credits received · cycle dates 2026-10-03 to 2026-10-05 · 412 items · 286,410.75 USD
- Core postings to the instant payments settlement GL · 409 items · 284,960.75 USD
- Payment hub activity report · 412 payments received · 3 not posted to an account
Output
- Matched 409 postings grouped to the Fed credits by cycle date, including 58 items that settled after 7 p.m. ET on Friday and belong to Saturday.
- Open 3 payments totaling 1,450.00 USD settled at the Fed and not posted to a deposit account, each assigned and aged from its cycle date.
The figures tie: 286,410.75 less 284,960.75 is 1,450.00, the three unposted payments. A receiving institution has to post or return an instant payment quickly, so those three are the only lines that need a person on Monday morning, and they are in the queue with an owner before the first coffee. The 58 Friday evening items never appear as a difference at all.
How Jack Henry institutions reconcile today, compared
These are the five routes we see. Each one is the right answer for somebody.
| Route | Works well when | Where it runs out | Price signal |
|---|---|---|---|
| Core reports and spreadsheets | A handful of settlement GLs and one experienced person | No record of who matched what, rebuilt daily, stops when that person is out | Staff time |
| Report mining into Excel or Access (for example Altair Monarch on Symitar reports) | You need core reports turned into tables fast | Prepares data but does not own, age or route a break | Per user license |
| Reconciliation module of an accounting system | The GL already lives in a credit union or bank accounting platform that has added a core connection | Built around the GL close, lighter on network, Fed and hub evidence | Bundled or add-on |
| Trintech ReconNET or Frontier | High volume matching and an established bank reference base | Quoted per customer, cloud migration and re-quote at renewal | Quote only |
| ReconArt | You want bank, card and close modules from one vendor | Per user licensing grows with the team | Capterra lists from $300 per user a month |
| BankAutomation | Daily ACH, card, instant payment, Fed and correspondent accounts in one queue with published pricing | Reads files and does not post back to the core; no certification workflow for every balance sheet account | $1,200, $3,900 or $9,500 a month |
If one person closes every settlement GL by 9 a.m. and nothing is older than a week, keep the spreadsheet. The case for software starts when the Monday pile takes two people until noon, when a break is found by a customer before it is found by accounting, or when an examiner asks who approved a write-off and the answer is an email. Institutions weighing the Trintech products will find them taken apart on ReconNET alternative and Frontier Reconciliation software, and banks on a Fiserv core have the sister page, Fiserv reconciliation software.
Who buys reconciliation software on a Jack Henry core
- Controllers at SilverLake banks whose ACH and wire volume outgrew a workbook per settlement account.
- Deposit operations managers at CIF 20/20 and Core Director banks who balance ACH, cards and official checks themselves before they start their real job.
- Accounting managers at Symitar credit unions with share draft, ATM network, shared branching and corporate account breaks landing in one suspense GL.
- Institutions that turned on Zelle, RTP or FedNow and inherited weekend settlement with a weekday team.
- Banks changing cores, where every clearing account must be proven on both systems during the conversion.
Getting live without touching the core
There is no core interface to buy and nothing for Jack Henry to schedule. Your contract with them does not change.
Step 01
Choose two accounts
Usually ACH settlement and either debit card or instant payments, because they break every day.
Step 02
Save the evidence as files
The core reports or GL detail your team already reads, the Fed statement of account, processor, network and hub reports, Nacha files and correspondent statements. CSV, fixed width and BAI2 all work.
Step 03
Approve the rules
FedACH windows, FedNow cycle dates, network fee netting, many to one grouping. One person proposes a rule and a second approves it.
Step 04
Run one month in parallel
Include a month end and at least four weekends, compare against the current workbook, then retire it. Fed, correspondent and suspense accounts follow.
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, enough for ACH and card settlement 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, where SilverLake banks with commercial volume usually land. 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 resolver at the top of this page runs the matcher on sample USD card settlement data, so you can see grouping, fee netting and break classification before you talk to anyone. The rule types are described on transaction matching software.
BankAutomation is an independent product and is not affiliated with, endorsed by or certified by Jack Henry. Jack Henry, SilverLake, CIF 20/20, Core Director, Symitar, Episys and JHA PayCenter are trademarks of their owners and are named only to describe compatibility. Zelle, RTP and FedNow belong to their respective owners.
Questions about reconciliation software for Jack Henry banks and credit unions
Does Jack Henry have reconciliation software?
Jack Henry offers account reconciliation as a service for a bank's commercial customers: Account Reconciliation Reporting in Treasury Management produces issued, paid and outstanding check reports generated by SilverLake. Its fiscal 2026 annual report also describes real-time reconciliation of virtual accounts in Payments Orchestrator. For an institution's own ACH, card, Fed and correspondent settlement accounts, banks and credit unions on Jack Henry cores use core reports with spreadsheets or a separate reconciliation platform.
How do banks on SilverLake reconcile ACH settlement?
They tie three things together each day: the ACH origination, receipt and return postings on the core, the ACH clearing GL balance, and the FedACH settlement entries on the Fed statement of account for each window. Most breaks are timing, such as a return settled today and posted tomorrow. Software groups postings by settlement window so only real differences stay open.
What reconciliation software works with Symitar?
Any platform that reads files works with Symitar, because reconciliation needs the core's reports and GL detail rather than a live connection. Credit unions on Symitar use spreadsheets, report mining tools such as Altair Monarch, accounting systems with a reconciliation module, Trintech ReconNET, ReconArt and BankAutomation. BankAutomation reads saved report files and publishes its price, from $1,200 a month.
Does BankAutomation integrate with Jack Henry SilverLake or Symitar?
It works from files, not from jXchange or SymXchange. You save the core reports and GL detail your team already uses, with the Fed, network, hub and correspondent files, and BankAutomation matches them. Nothing is installed on the core and nothing posts back, so there is no integration project and no change to your Jack Henry contract.
How do you reconcile FedNow and RTP on a Jack Henry core?
Match instant payment postings on the core to the settlement evidence by cycle, not by calendar day. FedNow cycles run 7 p.m. to 7 p.m. Eastern Time seven days a week and appear on the Fed statement of account, while RTP settles against a prefunded position with its own reports. Grouping by cycle removes the Monday timing difference and exposes payments received but never posted.
How much does reconciliation software cost for a Jack Henry bank or credit union?
Trintech ReconNET and Frontier 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 maker-checker approvals, and $9,500 for unlimited volume. Annual billing halves each monthly rate.