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Why Your POS Must Sync With Banking
This page explains why your point-of-sale data must match your bank deposits and inventory reporting. Banks review revenue consistency, and mismatches between POS, METRC, and deposits can trigger monitoring, document requests, or account shutdown.
What This Page Covers
- How banks compare deposits to sales
- Why POS reconciliation matters
- The relationship between POS, METRC, and deposits
- Real examples of mismatch risk
Banks Monitor Revenue Consistency
Cannabis banks review:
- Monthly deposit totals
- Average ticket size
- Sales volume patterns
- Cash vs electronic mix
They compare those figures against what they understand about your business model.
If deposits materially exceed expected revenue patterns, risk increases.
POS vs Deposit Matching
Your POS system tracks:
- Gross sales
- Discounts
- Refunds
- Payment method breakdown
Your bank tracks:
- Total deposits
- Deposit frequency
- Cash vs electronic ratio
These numbers should reasonably align over time.
Example: Deposit Mismatch
Scenario:
POS reports $90,000 in weekly sales.
Bank deposits total $130,000.
Possible explanations:
- Unrecorded sales
- Non-retail funds entering the account
- Timing errors
- Accounting gaps
Even innocent reconciliation delays can trigger review.
METRC vs Revenue Patterns
Banks do not directly access METRC.
However, during enhanced monitoring they may request:
- Inventory reports
- Sales summaries
- Compliance documentation
If inventory movement does not reasonably align with reported revenue, risk increases.
Why Reconciliation Is a Compliance Function
Weekly reconciliation helps ensure:
- POS totals match deposits
- Refunds are documented
- Inventory movement aligns with revenue
- Cash logs are accurate
This is not optional bookkeeping. It is risk control.
Related Pages
- Can Banks See METRC Data?
- What Triggers a Bank to Shut You Down?
- Cash Management Is a Compliance System
- What Documents Banks Review During Monitoring
