Give every property its own bank account
July 8, 2026 · Paul Gerlich
Most owners start with one checking account and a shoebox of receipts. It works until it doesn't. By the third or fourth door, "which property paid for that?" becomes a real question — at tax time, at reconciliation time, and every time a utility bill bounces because the balance was low.
The case for per-property accounts
When each property has its own account and card, three things get easier:
- Attribution is automatic. Every charge is already tagged to the right door. No spreadsheet archaeology.
- Cash flow is legible. You can see, per property, what came in and what went out — without a bookkeeping pass.
- Blast radius is small. A compromised card or a runaway subscription touches one property, not your whole book.
Where the utilities come in
The busywork isn't opening accounts. It is keeping up with electric, water, sewer, gas, lawn, snow, and trash across a growing portfolio, each with its own portal, statements, and due dates.
AutoBnB keeps the provider metadata with the property. When you want a statement imported, you sign in to the provider yourself and the browser operator can locate an existing bill or usage statement for review.
AutoBnB never asks for or enters the utility password, changes the provider's payment method, or submits a utility payment. The operator stops and hands control back at credential, payment, terms, and submission screens.