Virtual Account Management

Unlimited routable sub-accounts under a single master, each a fully transacting account that sends and receives funds directly, reconciled in near real time.

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ACCOUNT ARCHITECTURE

One master account, unlimited virtual accounts

A multi-tier sub-ledger that sits alongside your core. One master account per relationship, unlimited sub-accounts beneath it, each independently tracked, segregated, and reconciled live.

Open virtual accounts, fast

Unlimited sub-accounts created in minutes under one master, no core ticket required.

Track every balance, live

Every sub-account reconciles to the core as transactions post.

Fully routable, by design

Each sub-account moves funds via ACH, wire, instant payment, or check, using its own unique account number.

THE DIFFERENCE

Every sub-account is real and routable

Most virtual accounting solutions are tracking ledgers that behave like purpose-built spreadsheets. To move money, funds are manually swept up to the master account first, then disbursed from there.

Hudson sub-accounts are real, routable accounts. ACHs, Wires, Instant payments, and Checks originate and settle directly at the sub-account level, with no sweep requirements and no broken audit trails.

THE ACCOUNT LIFECYCLE

From intake to disbursement

Every sub-account creation follows the same lifecycle. Your team only gets involved when there are exceptions.

1

Open the sub-account

A routable account number, party diligence, and state-specific compliance rules, provisioned in minutes without touching the core.

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2

Receive funds directly

Funds arrive at the sub-account's unique number via ACH, Wire, Instant Payment, or Check and post straight to its ledger, with no manual matching or allocation.

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3

Hold, sweep, or disburse

Funds hold, sweep, or disburse using programmatic rules. Approval gates and multi-party controls fire where necessary, and nothing moves until all conditions are met.

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4

Reconcile and audit

Every transaction reconciles to the sub-ledger and your core in near-real time, and the audit trail builds itself as each event fires, exam-ready, and on demand.

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THE ECONOMICS

Low-beta deposits that stay put

Operational deposits (escrow reserves, settlement float, disbursement balances, holdbacks) sit tight at the bank because the workflow requires them to, not because of rate competition.

They carry low deposit beta and high switching costs, so they hold their balance when rates move and stay put when competitors come calling.

Why Hudson?

We help banks win and grow profitable commercial relationships.

Deepen and retain specialty relationships
Win new operating accounts and the deposits behind them
Offer capabilities your core and your competitors can't
Your team focuses on relationships, not reconciliation

Frequently asked questions

How do sub-accounts map to our general ledger?

Each sub-account category maps to a GL code you define, with sub-account-level suffixes, so activity rolls up to your core exactly the way your reporting expects. Mapping is configured during onboarding.

How does Hudson connect to our core banking system?

Two options: Hudson is assigned a dedicated routing number, or Hudson manages a defined range of account numbers synced from your core, with sub-accounts staying reconciled to the on-core master account either way.

Is the virtual account platform offered under our own brand?

Yes. The platform is offered as a white-label solution, so you launch it using your own brand identity.

How does Hudson work alongside our existing virtual account vendor?

Hudson can work in parallel with your incumbent vendor or replace them, with a phased migration path onto routable sub-accounts typically completed within 90-120 days.

Is there a limit on transaction size or volume?

No. Hudson's clients process millions of on-platform transactions totaling billions in annual volume, and the platform is built for that scale.

What's the difference between Hudson's sub-accounts and typical virtual accounting tools?

Most virtual accounting tools are tracking ledgers that require sweeping funds to a master account before disbursing. Hudson's sub-accounts are real, routable accounts that send and receive ACH, wire, instant payment, or check directly, with no sweep step and no broken audit trail.

How quickly can a new virtual sub-account be opened?

Sub-accounts are created in minutes under one master account, with no core ticket required, and each is independently tracked, segregated, and reconciled in near real time.

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Corporate EscrowProperty Management & HOA1031 ExchangesMunicipal BankingLaw Firm BankingSettlement FundsCustom Use Cases
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