Razatos & Associates, LLC specializes in commercial bank account audits for businesses. We review your company’s existing banking structure, analyze account fees, and negotiate with financial institutions to streamline services and reduce overall banking costs. Our goal is to ensure your business is maximizing its earnings credit rate (ECR) and minimizing unnecessary fees.

Auditing your commercial bank accounts can uncover hidden or unnecessary fees, optimize your earnings credit rate, and improve your overall cash management strategy. With fluctuating federal interest rates, your banking costs can increase without notice. A thorough audit helps your company stay ahead of these changes and improve financial efficiency.

We analyze your monthly account analysis statements to identify redundant services, misapplied charges, and inefficiencies. Using industry benchmarks and years of experience, we negotiate better terms with your banks, often without requiring you to switch institutions. Our process ensures you're only paying for services that add value to your business.

Yes, we work with businesses of all sizes across various industries—corporate treasuries, municipalities, nonprofits, and more. Whether you're managing a single account or a complex cash management structure, we tailor our audit and consulting services to fit your specific needs.

Not at all. Our goal is to enhance your current banking relationships—not disrupt them. We work directly with your financial institutions to negotiate better terms on your behalf, helping you get the most from your existing relationships while ensuring transparency and cost-effectiveness.

Our services are performance-based. This means we only succeed when you save money. We provide a no-obligation initial review, and if we identify savings opportunities, our fee is a portion of the savings we help you achieve. There are no upfront costs or hidden fees