Operating Account
Customer payments arrive here. This is the collection point, not the profit account.
5 Account System™
Banking Intelligence™
One bank account hides the truth. Separate accounts help the owner see what money belongs to the business and what money belongs to someone else.
When all money sits together, GST, PAYG, super, rent and supplier money can look like profit. Banking Intelligence™ teaches owners how to separate business cash.
Plain-English Owner Education
What this means inside a garment care business.
DCME explains the business in the language owners use every day: cash, staff, customers, risk, equipment, profit and control.
ATO Account
GST and PAYG move here so tax money is protected.
Super Account
Superannuation is held separately until paid to staff super funds.
Bills Account
Rent, utilities, insurance, equipment and supplier money are protected here.
Profit Reserve
True profit and emergency cash stay here after obligations are covered.
Simple Example
Account 1Operating
Account 2ATO
Account 3Super
Account 4Bills
Account 5Profit Reserve
Why this matters
Understanding creates better decisions.
When the owner understands the numbers, risks and operating pressure, the business can make better choices about pricing, staff, equipment, marketing and software.
FAQ
Common owner questions.
Do I need five bank accounts?
Many owners benefit from separating money clearly, even if their accountant adapts the system.
Why separate ATO money?
Because GST and PAYG are not business profit.
What account is profit?
Only the reserve left after obligations are covered.
Explore. Learn. Understand. Then decide.
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