Three-Way Monthly Request your first month

Three balances. One signature.

Your trust account's monthly three-way reconciliation, prepared from your Clio exports and bank statement. Your attorney reviews it and signs.

$129 a month for one trust account. $39 for each additional.

Request your first month Watch a month tie out
Adjusted bank balance
$59,615.00
Trust ledger
$59,615.00
Client ledgers, total
$59,615.00
Reconciled three ways, every month, with every outstanding item listed and every difference tied to its source line.

Watch a month tie out

One September for a small firm on Clio: 13 ledger lines, 8 statement lines, 7 clients, and one mistake hiding in them.

Sample · fictional firm

Hollis & Reyes PLLC First Meridian Bank, IOLTA ending 4417 September 2026

Every ledger line matched to the statement, every total compared, every difference traced.

Clio trust ledgerAmountAt the bank
Deposit Retainer deposit 09/02, Delgado estate $12,000.00 Cleared 09/02
Check 1041 Pacific Title Co., purchase funds 09/04, Okafor -$8,450.00 Cleared 09/06
Deposit Settlement deposit 09/08, Brennan $25,000.00 Cleared 09/09
Check 1042 Client share of settlement 09/10, Brennan -$15,600.00 Cleared 09/12
Check 1043 Coastline Appraisal 09/11, Delgado estate -$1,205.00 Paid $1,250.00
Transfer Earned fee to operating 09/14, Brennan -$6,250.00 Cleared 09/15
Deposit Retainer deposit 09/18, Nguyen $5,000.00 Cleared 09/18
Check 1044 Northgate Court Reporters 09/22, Nguyen -$780.00 Cleared 09/25
Check 1045 Refund of excess funds 09/26, Okafor -$1,150.00 Not cleared
Check 1046 Sutter Medical Records 09/28, Patel -$215.00 Not cleared
Deposit Retainer deposit 09/29, Patel $3,500.00 In transit
Check 1047 Valley Physical Therapy, lien 09/30, Brennan -$2,400.00 Not cleared
Deposit Retainer deposit 09/30, Ibarra $2,000.00 In transit

The three balances

Statement ending balance$57,880.00
Add deposits in transit (2)$5,500.00
Less outstanding checks (3)($3,765.00)
Adjusted bank balance$59,615.00
Trust ledger balance$59,660.00
Client ledgers, total of 7$59,660.00

Does not tie: $45.00 between the bank and the books.Ties: all three balances agree at $59,615.00.

Traced to Check 1043

Bank paid
$1,250.00
Clio records
$1,205.00

The bank paid $45.00 more than the ledger records. A difference that divides evenly by 9 is the usual sign of two transposed digits (1,250 entered as 1,205).

What the files can't tell us: Which amount is right. The check image shows what was written; the files we were sent don't include it.

The report your attorney signs

Delivered as a PDF each month. This one is from the sample above, before the correction.

Sample report · fictional firm

Three-way trust account reconciliation

Firm
Hollis & Reyes PLLC
Account
First Meridian Bank, IOLTA ending 4417
Period
September 1 to 30, 2026
Files received
October 1, 2026
Delivered
October 8, 2026

1 Bank

Statement ending balance, September 30$57,880.00
Add deposits in transit
09/29 Patel, retainer deposit$3,500.00
09/30 Ibarra, retainer deposit$2,000.00
Less outstanding checks
09/26 Check 1045, Refund of excess funds($1,150.00)
09/28 Check 1046, Sutter Medical Records($215.00)
09/30 Check 1047, Valley Physical Therapy, lien($2,400.00)
Adjusted bank balance$59,615.00

2 Trust ledger

Opening balance, September 1 (reconciled)$48,210.00
Receipts$47,500.00
Disbursements($36,050.00)
Trust ledger balance, per Clio$59,660.00

3 Client ledgers

Brennan$750.00
Delgado estate$10,795.00
Ibarra$2,000.00
Nguyen$4,220.00
Okafor (closed this month)$0.00
Patel$3,285.00
Whitfield$38,610.00
Client ledger total$59,660.00

No negative or unlinked balances in the Trust listing.

4 Comparison

Adjusted bank balance$59,615.00
Trust ledger balance$59,660.00
Client ledger total$59,660.00
Unexplained difference, bank to books$45.00

5 Variances

V1 · $45.00 Check 1043, Coastline Appraisal, Delgado estate

Source lines
Statement line 09/15, $1,250.00. Clio trust ledger 09/11, $1,205.00.
Likely cause
The bank paid $45.00 more than the ledger records. A difference that divides evenly by 9 is the usual sign of two transposed digits (1,250 entered as 1,205).
Not determined
Which amount is right. The check image shows what was written; the files we were sent don't include it.
Resolution
  • Correct the Clio entry to $1,250.00 and the Delgado estate ledger by $45.00
  • The bank paid the wrong amount: contact the bank
  • Something else: note it here

6 Review and sign-off

Prepared by Three-Way Monthly

Reviewed and approved by the responsible attorney

Date

Prepared from the firm's Clio Manage exports and bank statement. Not an audit and not a compliance opinion. The responsible attorney decides how each variance is resolved and remains responsible for the trust account.

Four files a month

Once your statement posts, export three reports from Clio Manage and add the statement your bank provides. That's the whole monthly ask.

  1. In Clio Manage, open Reports, then Client reports.
  2. Export Bank account activity, Trust ledger and Trust listing for the month, as CSV.
  3. Download the month's statement from your bank as a PDF.
  4. Send all four. The report is back by the 10th business day.

Hollis & Reyes PLLC

September 2026 IOLTA ending 4417

  • Bank account activityCSV from Clio, 14 KB Received
  • Trust ledgerCSV from Clio, 18 KB Received
  • Trust listingCSV from Clio, 3 KB Received
  • Bank statement, SeptemberPDF from First Meridian Bank, 212 KB Received
  1. Files received
  2. Report delivered
  3. Latest it was due
Preview of the monthly upload · sample firm

Check your own month

Three numbers from your last reconciliation. They stay in this browser; nothing is sent.

Statement ending balance, plus deposits in transit, less checks that haven't cleared

The account's balance in Clio at month end

The sum of client balances on the Trust listing

One price, every month

$129 a month

For one trust account. Each additional trust account is $39 a month.

A first month with no prior reconciliation to start from, or months of catch-up, is quoted separately before we begin.

  • The three-way report, by the 10th business day after you upload the month
  • Deposits in transit and outstanding checks, listed by date and number
  • Each client's balance, with any negative or unlinked balance flagged
  • Every difference tied to the statement and ledger lines it comes from
  • What we couldn't determine, stated plainly instead of guessed
  • A sign-off block for your attorney

Your first month is refundable in full any time before we start, and if we can't complete the report from what you send, we refund that month in full.

Who does what

We prepare

  • Match every statement line to your Clio ledger.
  • Set the adjusted bank balance, the trust ledger and the client ledgers side by side.
  • List each difference with the lines it comes from, and what the files can't show.

Your attorney decides

  • Reviews the report and decides how each difference is resolved.
  • Signs and dates it, and stays responsible for the trust account.
  • Remains the only signatory on the account.

We never

  • Log in to Clio or your bank, or move or disburse money.
  • Certify compliance, audit, or give legal or accounting advice. For that, talk to a licensed professional.
  • Paste your files into consumer AI tools.

Before you send a single file, we both sign a written confidentiality agreement. We keep the prior month's report to carry balances forward and delete everything else after delivery.

Why it has to be monthly

Your state's rule sets your firm's cadence. Ask your bar if you're unsure.

Request your first month

Tell us about your trust accounts. We reply by email with the confidentiality agreement and what we need for your first month. Nothing is charged and no files change hands until you say go.

$129 a month for one trust account. $39 for each additional.

How many trust accounts?
How is it done today?

No payment is taken today. We'll only use your email to reply about this request.

Questions

Is this an audit or a compliance opinion?

No. It's the monthly reconciliation your firm keeps on file, prepared from your own records. Your attorney reviews and signs it. It doesn't certify compliance with any state's rules.

Do you need access to our bank account or to Clio?

No. You export three reports from Clio and download the bank statement. We never log in to Clio or the bank, and never move or disburse money.

What if the three balances don't agree?

The report lists each difference with the lines it comes from. Where the files show the cause, we name it; where they don't, we say so. Your attorney decides the fix.

Clio already has a reconciliation screen. Why pay for this?

You can do it yourself in Clio. This is for firms where nobody wants to own it every month: we do the matching and the write-up, and your attorney reviews and signs.

What about months we never reconciled?

Tell us in your request. A first month with no prior reconciliation, or months of catch-up, is quoted separately before we begin.

How do our files get to you?

After you request your first month, we send the confidentiality agreement. Once it's signed, you send the files by email or as a link to a folder you control.