Banking Reports is the PhreeForm group for cash-movement reports — bank balances, cash flow, cleared vs. uncleared, and reconciliation history. Every report exports to PDF, CSV, or Excel.

How to get there #

Menu: Banking → Reports
Direct URL pattern: https://yourdomain.com/?bizRt=phreeform/main/manager&gID=bnk

The reports that ship with Bizuno #

Report	What it shows	When to run it
Bank Balances	Current book balance per account.	Daily at the start of work.
Bank Register	Transaction list for one account, date range.	Investigating a specific account.
Cleared vs. Uncleared	Outstanding checks and deposits in transit per account.	Mid-month cash forecasting.
Cash Flow	Money in / money out by category, by month.	Planning; budget vs. actual.
Deposit Detail	Every deposit with a breakdown of the receipts bundled inside.	Researching a specific deposit.
Check Register	Checks issued for a period.	Annual summary; auditor prep.
Reconciliation History	Every finalized reconciliation per account.	Audit / compliance review.
Undeposited Funds	Receipts not yet included in a deposit.	End-of-day check; should normally be small or zero.
Bank Service Charges	Fees and interest by account for a date range.	Negotiating bank fees; annual fee review.

Running a report #

1. Click the report name to open parameters.
2. Enter filters (date range, specific account, cleared/uncleared status, etc.).
3. Pick output format: PDF / HTML preview / CSV / Excel.
4. Click Generate.

Cash flow analysis #

The Cash Flow report is the single most useful planning tool in the Banking group. Rolled up by category for the last 12 months, it tells you:

• Your average monthly operating cash inflow (customer receipts minus refunds).
• Your average monthly operating cash outflow (payroll + vendor bills + utilities + rent).
• Seasonal patterns — bike shops typically see June/July peaks and January/February troughs.
• The cash cushion you need to carry to make it through the slow season.

Monthly close checklist #

1. Finish Reconciliation for every bank and credit card account.
2. Run Bank Balances — should match each account’s statement closing balance plus/minus uncleared items.
3. Run Undeposited Funds — should be zero (or only that day’s deposits not yet slipped to the bank).
4. Run Cleared vs. Uncleared — investigate any check or deposit outstanding more than 60 days.
5. Run Cash Flow for the current month and compare to your budget.

Important: The Cash Flow report uses the category tagging on each side of every transaction. If you post bills to “Uncategorized Expense”, they’ll show up in Cash Flow as uncategorized — muddying the picture. Take a few minutes during Pay Bills to put things in the right GL account.

Customizing a report #

Pencil icon on any row opens it in the PhreeForm designer. Copy first if you want to keep the shipped version.

Tips for Ridgeline Cycles #

• Pin Bank Balances as a morning habit — it’s the 10-second equivalent of checking your online bank portal, but with the bookkeeping reflected.
• Run Cash Flow quarterly — use it to predict the next slow season’s cash need and time your big parts buys so you don’t overlap a cash trough.
• Keep Undeposited Funds at zero every Friday. Stale receipts get forgotten and cause reconciliation headaches.
• Export Check Register annually for your accountant — some want every check listed on the audit.

Where to go next #

• Reconciliation — the monthly discipline that keeps these reports accurate.
• General Ledger Reports (Category 6) — P&L and Balance Sheet roll-ups.
• Admin → Chart of Accounts — fix categorization problems.