Your bank put your business under review. Find out what may have triggered it.
You know where every dollar came from. What nobody has told you is how that activity may look from the bank's side. Bank Right reconstructs your banking activity to identify the transaction patterns, profile inconsistencies, and documentation gaps that may be contributing to a review, restriction, freeze, or closure.
Start My Free Case AssessmentReviews start at $1,495. Your scope and price are confirmed before any work begins.
Independent analysis of the records you provide. No guarantee of bank action or account reinstatement.
- Frozen, restricted, under review, or closing
- Source-of-funds and document requests
- Written report and analyst call
- Independent analysts, not a law firm
"What did my bank see?"
That is the question behind every call you have made this month. This review is built to answer it from your side of the ledger, using the records you already have.
- Which activity may stand out against the profile the bank holds for your business
- Which transactions you should be ready to explain, and in what order
- Where your documentation supports the activity, and where a gap remains
Every review starts with the free assessment and a short case call. Nothing is charged until scope is agreed.
You know where your money came from. You have no idea what the bank is seeing.
How a business account review actually unfolds, in two minutes.
It may have started with a declined card, a wire that never landed, or a letter with a date on it. You called. You heard "under review," or "compliance," or "an internal business decision." You asked what specifically. You got the same sentence back.
So you sent documents. Invoices, contracts, a note explaining the large deposit. Then you sent them again to a different department. The account stayed exactly where it was.
Meanwhile the business does not pause. Payroll is still coming. Vendors are waiting on you. Ad spend, inventory, rent, and taxes are all attached to an account you cannot touch. Customers are still paying into it.
And somewhere around the second week, you started going back through the statements yourself. Was it the wire? The transfer between my companies? The international customer? The deposit that was bigger than usual? You have been replaying transactions for days without a way to know whether any of them matter.
That guessing is the part this review is built to end.
Your transactions make sense one at a time. A bank reads them as a pattern.
When the account was opened, the bank recorded a picture of your business. What it does. Roughly how much moves through it in a month. Who pays you. Who you pay. Whether money crosses a border. That picture became the baseline your activity is measured against.
Businesses change. The baseline usually does not. So the gap opens quietly, over months, in ways that look completely ordinary from the inside:
- Volume grows. The same account that moved $80K a month is now moving $600K.
- Money starts moving differently. Funds arrive and leave the same week instead of sitting.
- New counterparties appear. New platforms, new processors, new vendors, new customers.
- International activity increases, or starts for the first time.
- Related companies begin sending money back and forth between accounts.
- A new revenue line starts that has nothing to do with what the account was opened for.
Each one of those is a normal business decision. Together, over six months, they can describe a company that no longer matches the profile on file. We call that Profile Drift. It is one of the most common causes of a business account review, and it is one of the easiest for an owner to miss, because you are looking at transactions and the bank is looking at a shape.
It is not the only cause. Documentation gaps, a single unexplained counterparty, an industry reclassification, or something entirely outside your activity can all contribute. The point of the review is to find out which of them your records actually support.
Six things you will know that the transaction list cannot tell you
Your analyst rebuilds the period from your statements and your bank correspondence, then reads it the way an account is read from the other side.
Customer Activity Review
The activity the bank most likely expected from your business when the account opened, set against what the account actually does now. This is where Profile Drift becomes visible, or where it turns out not to be your story.
Transaction Risk Analysis
Patterns rather than line items. Money movement and velocity, funds that arrive and leave quickly, cash and P2P activity, ACH and wire concentration, and how each of them changed across the period.
Potential Trigger Analysis
The activity in your specific account most likely to have drawn scrutiny, ranked, with the transactions behind each one named. Based on the records you provide, not on a guess about the bank's internal file.
Source-of-Funds Review
The deposits and incoming transfers that may reasonably require support, who they came from, and the specific kind of record that would make each one clear to someone reading it cold.
Documentation Gap Analysis
Which records substantiate the underlying activity, which of those you already have, and exactly where a gap remains. Plus what to do about a gap honestly, which is sometimes to explain rather than to produce.
Bank Question Preparation
The questions a compliance reviewer may reasonably ask about your account, with the facts and figures you need in front of you before you answer any of them.
What this is not
This is not a call to your bank, and it is not a claim to see inside their file. Only the bank sees its own decision record. What we can do is analyze the same evidence they are working from, your activity and your documentation, and tell you what a reasonable reviewer would likely notice in it.
What actually lands in your inbox
- Activity reconstruction. The period rebuilt and categorized: inflows, outflows, counterparties, and transfers, normalized so patterns are visible instead of buried.
- Potential risk findings. What may stand out, ranked by how much it likely matters, each tied to the specific transactions behind it.
- Profile comparison. Expected activity against actual activity, with the specific points where they diverge.
- Source and use of funds observations. Where the money came from, where it went, and which movements may invite a question.
- Documentation checklist. Record by record: what supports the activity, what you have, what is missing.
- Bank question preparation. The likely questions, and the facts you need ready for each one.
- A 30-minute call with your analyst to walk through the findings and what you do with them.
Delivered within 5 business days of receiving complete statements.
Written to be used, not filed
The report is built so you can act on it the same day you read it. It names transactions, dates, and counterparties, so when you speak to the bank, your accountant, or an attorney, you are working from a reconstructed picture instead of a memory of the last six months.
Many owners hand it straight to counsel or their CPA. It gives them a categorized view of the activity that would otherwise take hours to assemble at their hourly rate.
Every review is reviewed before it goes out. The analysis is analytical, not legal, and it does not constitute legal advice.
The questions you have been asking yourself since this started
- What activity in my account may stand out?
- Did what I do change from what the bank may have expected when I opened the account?
- Was it the wire, the large deposit, the P2P activity, or none of those?
- Are transfers between my own companies creating a pattern that looks unusual from outside?
- Are my source-of-funds records clear enough to stand on their own?
- What documentation am I missing, and what do I do where I cannot produce a record?
- Which transactions should I be prepared to explain, and what do I need in front of me?
- Does my banking activity tell a coherent story about my business?
You leave the review able to answer those. Not with a guarantee about what your bank will do next, but with a clear, evidence-based picture of what you are actually dealing with, which is what every decision from here depends on.
Who this review is built for, and who it is not
We would rather tell you on a free call that this is the wrong service than take your money and confirm it later.
A fit if
- Your business account is frozen, restricted, under review, in compliance review, scheduled for closure, or recently closed
- The bank has asked for source of funds, invoices, contracts, or an explanation of your activity
- Funds are being held after a closure and you want to understand the underlying activity
- Your business grew quickly and your banking activity now looks different than it did
- You operate multiple related companies and move money between them
- You have meaningful international, ACH, or wire volume
- Meaningful funds or business operations are genuinely at stake
- You have, or can obtain, at least three months of statements
Not a fit if
- The freeze is from a court order, judgment, garnishment, or child-support order. That is a legal matter. Speak with an attorney
- An IRS or state tax levy is involved. Start with a tax attorney or a licensed tax professional
- Law enforcement has seized the funds. You need counsel, not an activity analysis
- Someone gained access to your account or your credentials. That is a fraud claim for the bank's fraud team
- Your situation primarily needs legal representation or a regulatory complaint filed
- You need someone to promise a specific result. No honest analyst can
- The amount at stake is small enough that a professional review costs more than the problem
The free case assessment screens for every one of these before you spend a dollar. If your case belongs with an attorney, a tax professional, or your bank's fraud team, we will say so and tell you why.
Three scopes. Published prices. Confirmed before any work begins.
Your analyst recommends a scope on the case call based on how many accounts, entities, and months are actually involved. You decide, and you know the number before anything starts.
| Review | Best for | Scope | Price |
|---|---|---|---|
| Bank Account Risk Review | One business with one primary account and a defined review, restriction, freeze, or closure issue. The most common starting point. | 1 bank, 1 account, up to 3 months of statements, your bank correspondence, full transaction risk analysis, potential trigger analysis, source-of-funds review, documentation gap checklist, written report, 30-minute analyst call. | $1,495 |
| Comprehensive Activity Review | Longer histories, several accounts at one bank, higher transaction complexity, or a pattern that has been building for a while. | Up to 12 months, multiple accounts, transaction normalization, counterparty analysis, money-flow and velocity analysis, expected versus actual profile, full Customer Activity Review, detailed written report, 60-minute analyst call. | From $2,495 |
| Multi-Entity Review | Multiple companies, intercompany transfers, more than one bank relationship, international activity, or more complex ownership and money flows. | Everything in Comprehensive, across entities and banks, with related-entity flow mapping and intercompany transfer analysis. Quoted after the case call. | From $3,500 |
How the price is set, and what it will not do
- The free assessment and the case call cost nothing. Scope and price are agreed in writing before work starts.
- No hourly billing and no surprise fees. If the scope genuinely changes, you approve the change first.
- Price does not buy an outcome. It buys the analysis. No review here reopens an account, releases funds, reverses a closure, or removes anything from any record.
Seven questions, about two minutes. A specialist confirms which scope fits before you commit to anything.
Most owners in this position do one of two things. Both of them stall.
1. Keep calling the bank
You escalate, you ask for a supervisor, you send the documents a third time. You may well get somewhere eventually. But the people you reach are usually not the people making the decision, and they are not going to walk you through the analysis behind it.
2. Keep guessing
You go back through the statements looking for the one transaction that caused this. The problem is that you are looking at line items, and the concern is rarely a line item. It is usually a shape made of dozens of them across months.
Bank Right takes the third approach: analyze the activity itself.
We do not contact your bank and we do not claim access to their internal systems. We take the evidence you already hold, your statements, your correspondence, and your business profile, and we reconstruct what the activity looks like to a reviewer who does not know you.
That is the information gap. You have the context and none of the pattern view. The bank has the pattern view and none of your context. Closing that gap on your side is what changes the quality of every conversation, document, and decision that follows.
What we will never tell you
- That we know the exact reason your bank acted. Only the bank sees its own file.
- That we will contact your bank, negotiate with it, or make its decision for it.
- That we can remove a flag, a record, or a report anywhere.
- That another bank is guaranteed to accept you.
- That your bank will reconsider. That is entirely their call.
Questions owners ask before they start
Can you get my account unfrozen?
No, and please be careful with anyone who says they can. Bank Right does not contact your bank, negotiate with it, or influence its decision. What the review gives you is an evidence-based understanding of what in your activity may be contributing, which is what you need in order to respond well, decide what to do next, and stop guessing. The bank's decision remains entirely the bank's.
How can you know what my bank is thinking?
We cannot, and we do not claim to. Only the bank sees its own internal file. What we can do is analyze the same underlying evidence the bank is working from, which is your transaction activity, your counterparties, your money movement, and your documentation, using the same risk frameworks banks use to monitor accounts. The findings are stated as what may stand out based on the records provided, never as the bank's confirmed reasoning.
Why can't I just go through my own statements?
You can, and you probably already have. The difficulty is that you are reading individual transactions you remember making, and the concern is rarely an individual transaction. It is usually volume against baseline, velocity, concentration among counterparties, funds moving in and out quickly, related-entity flows, or activity drifting away from the profile on file. Those only become visible when the period is reconstructed, categorized, and compared to the expected profile, which is what the review does.
Should I hire an attorney instead?
Sometimes yes, and we will tell you when. If there is a court order, judgment, garnishment, tax levy, subpoena, seizure, sanctions issue, or active litigation, that is legal territory and you need counsel, not an activity analysis. Bank Right is not a law firm and does not give legal advice. Many owners use the review first and give the report to their attorney, because it means counsel is not billing hours to rebuild the transaction picture from scratch.
What documents will I need to provide?
Bank statements covering the relevant period, at least three months, and any correspondence from the bank, including letters, emails, secure messages, and document requests. Beyond that it helps to have a short description of what your business actually does and how it earns money, plus any invoices, contracts, or agreements tied to the larger or less typical deposits. You do not need any of this to start the free assessment.
How long does the review take?
The written report is delivered within 5 business days of receiving complete statements, followed by your 30-minute analyst call. Comprehensive and multi-entity reviews cover more ground and the timeline is confirmed with you on the case call before work begins.
What if you don't find anything obvious?
Then the report says so plainly, and it tells you what the activity does show. Sometimes the records provided do not reveal a clear potential trigger, and that is a real finding: it redirects attention to documentation, to the profile on file, or to something outside your activity entirely. A review that always finds the same answer is not an analysis. You still receive the full reconstruction, the documentation checklist, and the question preparation.
Is my information confidential?
Statements and documents are collected through a secure upload link rather than plain email attachments, are used only to produce your analysis, and are not sold, shared with any bank, or disclosed to third parties. Access is limited to the analyst working your case. Our full privacy policy sets out how information is handled and how to request deletion.
Do I have to do the free assessment first?
Yes, and it is deliberate. The assessment plus a short case call is how we confirm the review will actually tell you something useful, and how we identify the cases that belong with an attorney or a bank fraud team instead. It also sets the correct scope, so you are not paying for a multi-entity review when one account is the whole story. It takes about two minutes.
My account is already closed. Is it too late?
No. A closed account still has a transaction history, and the same analysis applies. Owners come to us after a closure for two reasons: funds are being held and they want to understand the activity behind the decision, and they are about to open an account somewhere else and do not want to repeat the pattern with a new bank starting from a blank profile.
Stop guessing what your bank may be seeing
If your business account has been frozen, restricted, placed under review, or scheduled for closure, start with the free case assessment. Seven questions, about two minutes, and a specialist tells you honestly whether a review fits your situation or where you should go instead.
Start My Free Case AssessmentReviews start at $1,495. Your scope and price are confirmed before any work begins.
Confidential. No cost for the assessment or the case call. Independent analysis with no guarantee of bank action or account reinstatement.