An FBAR (FinCEN Form 114) is a report of foreign bank and financial accounts that must be filed annually by US persons who have over $10,000 in foreign financial accounts at any time during the calendar year.

Who needs to file an FBAR?

US citizens, residents, and entities who have a financial interest in or signature authority over foreign financial accounts with an aggregate value exceeding $10,000 at any time during the calendar year must file an FBAR.

What are the penalties for not filing an FBAR?

Non-willful FBAR violations can result in penalties of up to $16,117 per account. Willful violations can result in penalties up to $161,072 or 50% of the account balance at the time of the violation.

Terms of Service

Last updated: January 1, 2026

1. Service Description

Auditable.tax ("we", "us", "our") provides an electronic FBAR (FinCEN Form 114) filing platform. We prepare, validate, and transmit your filing data to the Financial Crimes Enforcement Network (FinCEN) via the BSA E-Filing Secure Direct Transfer Mode (SDTM) protocol.

2. Not Affiliated with FinCEN

Auditable.tax is a private filing service. We are not affiliated with, endorsed by, or part of the Financial Crimes Enforcement Network (FinCEN) or the U.S. Department of the Treasury.

3. Your Responsibilities

You are responsible for the accuracy and completeness of all information you provide
You must provide truthful information on your FBAR filing (18 U.S.C. § 1001)
You must review and approve your filing before submission
You must retain your Form 114a authorization for 5 years
You must not use the service for any unlawful purpose

4. E-Signature & Form 114a Authorization

By typing your name and checking the authorization checkbox, you provide an electronic signature that constitutes a valid signature under the Electronic Signatures in Global and National Commerce Act (ESIGN, 15 U.S.C. § 7001 et seq.). Your typed name, IP address, and timestamp serve as your electronic signature. You authorize Auditable.tax to sign and file your FBAR on your behalf as your third-party preparer pursuant to FinCEN Form 114a.

5. Pricing & Payment

Solo: $39 per filing (up to 5 accounts)
Expat: $89 per filing (unlimited accounts)
Pro: $199 per filing (bulk import, priority support)
Preparer: $200/year + $25 per client filing
Catch-Up: $750 (6-year delinquent FBAR package)

Payment is processed via Pabbly Payment Gateway. Prices are in USD. Refunds are available within 30 days of purchase if no filing has been submitted.

6. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. We do not guarantee:

That your filing will be accepted by FinCEN (acceptance is at FinCEN's discretion)
That use of our service will prevent penalties, audits, or enforcement actions
That the service will be uninterrupted or error-free
Specific audit outcomes or compliance results

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY TO YOU SHALL NOT EXCEED THE AMOUNT YOU PAID FOR THE SPECIFIC FILING THAT GAVE RISE TO THE CLAIM. We are not liable for:

Penalties imposed by FinCEN or the IRS resulting from inaccurate information you provided
Delays caused by FinCEN system outages or maintenance
Loss of data caused by factors beyond our reasonable control

8. Data Protection (GDPR)

We process your personal data in accordance with our Privacy Policy. By using our service, you consent to the processing of your personal data for the purposes described therein. If you are an EU data subject, you have the rights outlined in our Privacy Policy including access, rectification, erasure, portability, and objection.

9. Account Termination

You may delete your account at any time. Upon deletion, we will remove your personal data within 30 days, subject to FinCEN recordkeeping requirements which may require us to retain certain filing records for the mandatory retention period. Filed data that has been submitted to FinCEN cannot be recalled.

10. Governing Law

These Terms are governed by the laws of the State of Florida, USA. Any disputes shall be resolved in the state or federal courts located in Orange County, Florida.

11. Contact

Auditable LLC
Orlando, FL, USA
Email: legal@auditable.tax