+ Expand · Banking & Financial Infrastructure
U.S. bank account, payment rails, GAAP bookkeeping, tax compliance, and payroll — delivered by Terry Deever, CPA since 1987 and CFO-level advisor to technology companies for decades.
1987
CPA practice since
GAAP
Investor-ready financials
What Banking & Financial Infrastructure Is
ATA builds the complete financial layer for your U.S. entity — from bank account opening through investor-ready monthly closes. Terry Deever owns the full financial infrastructure layer so your finances are never the reason a deal falls through. Every engagement covers banking, payment rails, compliance, and GAAP reporting in a single managed relationship.
U.S. business bank account (Mercury, Chase, Silicon Valley Bank)
Payment processing and invoicing rails
Bookkeeping and monthly close
Federal and state tax compliance
Payroll setup (W-2 employees and contractors)
Investor-ready financial reporting (GAAP)
Our Services
Every engagement covers all four pillars simultaneously — not sequentially. One general contractor, every layer running in parallel.
01
Pillar 01
The legal, financial, and operational base that makes U.S. presence real.
Legal and Entity
C-Corp/LLC, EIN, registered agent, contracts, and IP assignment.
Banking and Finance
Bank account, payments, bookkeeping, tax, and payroll setup.
Talent and Operations
U.S. executive hiring, HR infrastructure, and PEO/EOR setup.
02
Pillar 02
Regulatory frameworks and compliance programs your sector requires.
Regulatory
FedRAMP, SOC 2, HIPAA, NIST, ITAR, and state compliance programs.
Immigration
O-1, L-1, and E-2 visas and work permits for founders and key personnel.
Insurance and Risk
D&O, cyber liability, E&O, and general business insurance.
03
Pillar 03
The validators and relationships that make U.S. institutions trust you.
U.S. Readiness Board
Advisory board placements and credible U.S. market positioning.
Gov. Relations
Agency positioning (CISA, DoD, FinCEN) and federal policy navigation.
U.S. Country Manager
Named U.S. executive representative with in-market authority.
04
Pillar 04
The go-to-market infrastructure that converts presence into revenue.
Go-to-Market
Strategy, messaging, customer mapping, channels, and PR execution.
Fundraising Readiness
Cap table, financials, board governance, and investor materials.
Fundraising Strategy
U.S. investor targeting, warm introductions, and pitch positioning.
The Challenge
Opening a U.S. bank account sounds straightforward. It isn't. And the compliance surface area — federal taxes, state nexus, GAAP reporting, payroll by state — expands rapidly with every hire and every dollar of U.S. revenue. Building it correctly from day one is dramatically cheaper than fixing it under deal pressure.
Without a U.S. bank account, you cannot pay employees, receive investor wire transfers, invoice U.S. clients, or hold USD. Most international founders don't realize the account opening process requires in-person verification or specific entity documentation.
U.S. tax compliance isn't just federal — every state where you have employees, revenue, or physical presence creates a filing obligation. Missed filings create penalties and can delay fundraising.
U.S. institutional investors require GAAP-compliant financials. International companies reporting under IFRS must restate their financials before a U.S. funding round or acquisition.
Hiring the first U.S. employee without a proper payroll setup exposes the company to back-taxes, benefits liability, and employment law violations in the employee's home state.
How ATA Delivers It
Terry Deever has been a CPA since 1987 and has served as CFO-level advisor to technology companies for decades. He owns the full financial infrastructure layer — from bank account opening to investor-ready monthly closes — so your finances are never the reason a deal falls through.
What every flat-fee engagement includes
U.S. Bank Account
Business banking at Mercury, Chase, or sector-appropriate institution. Multi-signatory setup and wire authorization.
Payment Processing
Stripe, Bill.com, and ACH rail configuration for U.S. invoicing and vendor payments.
Bookkeeping & Monthly Close
Cloud-based bookkeeping, reconciliation, and monthly financial package.
Tax Compliance
Federal + state tax returns, estimated quarterly payments, and multi-state nexus management.
Payroll Setup
Gusto or Rippling configuration for W-2 employees; 1099 contractor management.
Investor Financials
GAAP-compliant P&L, balance sheet, and cash flow for fundraising due diligence.
Related Services
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One flat fee. Full financial infrastructure. GAAP-ready from day one.
