The worst part of month-end is chasing clients for statements

Actual reconciliation takes me an afternoon but I can't start until the last client sends their bank statements, that part can drag on for days, even an entire week. The problem is every client is a different bank or portal requiring different logins. I pull what I need when clients grant me access. But for the rest I am constantly texting for PDFs and getting half statements, or the wrong month, or I'll send it later today then nothing for four days. One client just refuses to give bank access at all, so every month I wait on them to remember to export something that would take me 30 seconds if I could just log in myself. Sending reminder emails or creating a shared folder or checklist with due dates don't work. Basically I'm a collections agent for documents the first week of every month. time I could have spent doing the work I get paid to do! How do the rest of you handle the access problem? Do you require read only access during onboarding? Or are we all chasing statements at month end?