Do I need to use CommunityPay's HOA features to use trust accounting?

No. Trust accounting works as a standalone product. Property management firms sign up, select Trust/Escrow Accounting as their entity type, and get a simplified interface focused entirely on trust fund management. No HOA features are visible.

What compliance frameworks does the trust module support?

Trust accounts can be tagged with compliance profiles such as WA RCW 18.85 (real estate trust accounts) and CA BPC 10145 (trust fund handling). These profiles drive reporting and reconciliation requirements specific to each jurisdiction.

Trust Accounting | CommunityPay

The Problem

Property management firms hold client funds in trust. State regulators require trust accounting with provable segregation. Most PM software treats trust as a checkbox feature — a separate bank register that is not structurally connected to the general ledger.

When the bank balance, the GL, and the client sub-ledger disagree, the firm has a compliance problem. The question is whether they discover it before the regulator does.

Three-Way Reconciliation

The core invariant: three independent balances must agree.

Leg 1 — Bank statement balance
Leg 2 — GL trust cash control account
Leg 3 — Sum of individual client trust liabilities

Invariant: Leg 1 = Leg 2 = Leg 3 (within $0.02 tolerance)

Every reconciliation run produces an immutable audit record with the exact values of all three legs, per-client balance breakdowns, and discrepancy details. This is the artifact a regulator or auditor reviews.

What You Get

Trust Dashboard

Account balances, reconciliation status, recent activity. One view for the state of client funds.

Client Sub-Ledger

Per-client deposit and disbursement history with running balances and trust statements.

Automated Reconciliation

Three-way reconciliation with immutable run records, discrepancy detection, and tolerance matching.

Bank Statement Import

CSV bank statement import with automated transaction matching. Same engine used for HOA bank rec.

Enforcement Guards

Non-overridable TrustSegregationGuard prevents commingling. Every transaction evaluated by the enforcement dispatcher.

Interest Allocation

Pro-rata interest allocation across client balances with rounding-drift protection.

Architecture Properties

Trust accounting runs on the same enforcement engine as CommunityPay's HOA accounting. The properties that make institutional accounting work apply equally to trust fund management.

Single posting interface. Every trust deposit, disbursement, and fee withdrawal flows through JournalEngine. No direct database writes.

Mandatory enforcement. Every journal entry passes through the enforcement dispatcher. Guards evaluate balance, period, fund segregation, and trust segregation.

Immutable audit trail. Trust ledger entries cannot be edited after creation. Every enforcement decision is logged with a full signal snapshot.

SHA-256 verification. Client balance snapshots include cryptographic hashes of the underlying entry chain. Tamper-evident by construction.

Idempotent operations. Every trust entry carries a unique idempotency key. Duplicate submissions are rejected, not double-posted.

Compliance Profiles

Trust accounts can be tagged with jurisdiction-specific compliance profiles that drive reporting and reconciliation requirements.

RCW 18.85 — Washington real estate trust account requirements. Reconciliation frequency, record retention, commingling prevention.

BPC 10145 — California Business and Professions Code trust fund handling. Account restrictions, reporting obligations.

Questions

What is three-way trust reconciliation?

Three-way trust reconciliation verifies that three independent balances agree: the bank statement balance, the general ledger trust cash control account, and the sum of individual client trust liabilities. When all three match, you have provable evidence that client funds are intact.

How does CommunityPay prevent commingling of trust funds?

Every trust transaction passes through an enforcement dispatcher that evaluates it against a TrustSegregationGuard. This guard verifies that trust transactions only touch trust accounts, and that non-trust transactions cannot touch trust accounts. The guard is non-overridable.

Do I need to use CommunityPay's HOA features?

No. Trust accounting works as a standalone product. Property management firms sign up, select Trust/Escrow Accounting, and get a simplified interface focused on trust fund management. No HOA features are visible.

What compliance frameworks are supported?

Trust accounts can be tagged with compliance profiles such as WA RCW 18.85 and CA BPC 10145. These profiles drive reporting and reconciliation requirements specific to each jurisdiction.

Pricing

Simple, flat pricing. No per-transaction fees. No reconciliation surcharges.

Tier Monthly

CommunityPay accounting subscribers Included

Standalone — up to 50 clients $50

Standalone — 51+ clients $100 (cap)

                Every tier includes: Unlimited trust accounts, three-way reconciliation, bank statement import,
                enforcement guards, client statements, interest allocation, compliance reports.
                Processing fees passed through at cost.
            

A client is a party whose funds you hold in trust — an HOA, landlord, individual, or business entity. Inactive clients are not counted.

                Both products, one subscription. Trust Accounting and Loan Servicing
                are both included under the same CommunityPay subscription. CommunityPay accounting
                subscribers get both at no additional cost. Standalone pricing applies only if you
                use Trust Accounting or Loan Servicing without a CommunityPay accounting subscription.
            