Auto-transfer rules: move money to your sub-accounts automatically

Set up auto-transfers to split each incoming payment by percentage and move it to your Truss sub-accounts as soon as it arrives. No fee.

Set a rule once and Truss moves a percentage of every payment into your other Truss accounts as soon as it arrives. In the app this is called auto-transfers.

What auto-transfers do

An auto-transfer rule takes a percentage of the money that comes into one Truss account and moves it to your other Truss accounts the moment it lands. Whatever isn't moved stays where it came in.

Use it to set aside money for taxes, payroll, profit or a specific job without moving it by hand every time a customer pays.

Find it under Accounts → Auto-transfers. You'll see every account that has rules, its balance, and the split for each rule.

You need at least two Truss accounts A rule only moves money between your own Truss accounts. If you haven't made one yet, start with Truss Sub-Accounts.

The two types of rule

Each account can have up to two rules:

Invoice payments: splits money your customer pays through a Truss invoice or checkout link, by bank or by card. A deposited check counts too, if you match it to an invoice before it clears.
All incoming money: splits every other eligible payment into the account.

Only one rule runs for each payment. When both are on, the Invoice payments rule is checked first. If the payment isn't an invoice payment, it moves on to the All incoming money rule.

Turn off the Invoice payments rule and your invoice payments follow the All incoming money rule instead. Each rule has its own on/off switch on the Auto-transfers page.

Set up a rule

Go to Accounts → Auto-transfers and click Create rule. To change rules you already have, click Edit rules on that account instead.
Under Account, pick the account the money comes into.
Under Rules, choose All incoming money or Invoice payments only.

Click Choose an account and pick where this share goes.
Enter the percentage of each payment to move.
Optional: click Set a limit to cap the share at a dollar amount per payment. For example, 20% up to $500 moves $200 from a $1,000 payment but only $500 from a $5,000 payment.
To send a share to another account, click Add destination and repeat steps 4 to 6.
Click Save rule.

Your progress is saved as a draft If you close the panel before saving, Truss keeps a draft so you can pick up where you left off. The rule doesn't run until you click Save rule.

Example: a $1,000 payment

Your Operating account has an All incoming money rule that sends 20% to Taxes and 10% to Profit. A customer pays $1,000 into Operating.

$200 moves to Taxes
$100 moves to Profit
$700 stays in Operating

The transfers are created right away, with no fee.

Which money starts a rule

A rule runs on money that comes into the account from outside it:

Customer payments
Money sent from other banks or businesses
Checks, once they clear
Money you add from your own external account

These never start a rule: refunds, returned payments, rewards, interest, and transfers between your own Truss accounts. The money a rule moves doesn't start a rule either, so one rule can't set off another.

When the money moves

As soon as a payment arrives, or when a deposited check clears. The money shows in the other account right away. The transfer itself can show as Pending for a while until the original payment has fully come in.

In a few cases a share stays in the account instead of moving. It shows as Not moved, and Truss doesn't try it again. If you still want it moved, transfer it yourself.

The share is under $1. For example, 5% of a $15 payment is $0.75, so nothing moves. Small shares aren't saved up for the next payment.
The account doesn't have enough available. Each share only moves if the money is there at that moment. The payment's other shares still move if they fit.
The destination account is closed. That share stays put and the rest of the split still happens. Remove the closed account from the rule before you save it again.

If the account is below $0, nothing moves Say a $1,000 payment was returned last week and took Operating to -$1,000. A new $1,000 payment only brings Operating back to $0, so there's nothing left to split. Both the Taxes and Profit shares show as Not moved. Move them yourself once the account has enough.

What if a payment is returned later?

Money a rule already moved stays where it went. The returned amount comes out of the account the payment came into, which can take that account below $0. If that happens, move money back into it.

Track splits and changes

The Auto-transfers page has three tabs:

Rules: every account's current rules and splits.
Activity: every split a rule has made, including any shares marked Not moved. Click View activity on an account to see just that account.
Changes: who created or edited each rule, and when.

Limits and fees

A rule can send to up to 10 of your Truss accounts.
The shares in one rule can add up to 100% at most.
Rules only move money between your own Truss accounts. They can't send money to an external account.
Auto-transfers have no fee.