Bank account analytics

{

Attribute

Data type

Description

Required extra_field

pk

Bank Account PKPK - PK stands for Primary Key, a unique value assigned to specific objects. A PK is used to identify an object using one of the Query Endpoints. We represent primary keys as unsigned 64-bit integers.

book_pk

Book PKPK - PK stands for Primary Key, a unique value assigned to specific objects. A PK is used to identify an object using one of the Query Endpoints. We represent primary keys as unsigned 64-bit integers.

name

Text

Bank Account Name, constructed from account_number, bank_name & account_type

bank_name

Text

Bank name. Will have a value of "Unknown" if we couldn't recognize the bank.

account_number

Text

Bank Account Number

account_type

Bank Account Type

This includes SAVINGS, CHECKING, CREDITCARD, IOLTA.

account_category

Bank Account Category

This includes BUSINESS, PERSONAL, UNKNOWN.

account_holder

Text

Name of Bank Account Holder

holder_address_1
holder_address_2
holder_city
holder_state
holder_zip
holder_country

Text

Address of Bank Account Holder

activity_info

Activity Info

A series of date ranges indicating periods of activity
and inactivity in a Bank Account

periods

List of Period Analytics

List of Statement Period Analytics for this Bank Account

txn_count

Integer

Count of Transactions

total_days

Integer

The total number of days in all statement periods captured in the bank account.

average_by_month

Month Map

The average absolute value of all transactions in a calendar month.

average_daily_balance

Money

The average daily ending balance (including weekends).

average_daily_balance_by_month

Month Map

The average daily ending balance (including weekends) in a calendar month.

average_daily_balance_weekday

Money

The average daily ending balance of weekdays.

weekday_balances

average_daily_balance_weekday_by_month

Month Map

The average daily balance of weekdays in a calendar month (measured at the end of each weekday).

weekday_balances

average_deposit_by_month

Month Map

The average value of credit transactions in a calendar month.

daily_balances

Date Map

A list of the daily ending balances for every day.

deposit_max_by_month

Month Map

The value of the largest credit transaction in a calendar month.

deposit_min_by_month

Month Map

The value of the smallest credit transaction in a calendar month.

deposits_sum_by_month

Month Map

The sum of all credit transactions in a calendar month.

deposits_count_by_month

Month Map

The count of credit transactions in a calendar month.

deposit_sum

Money

The total monetary value of credits.

txn_summary

deposit_count

Integer

The total number of credit transactions.

txn_summary

withdrawal_sum

Money

The total monetary value of debits.

txn_summary

withdrawal_count

Integer

The total number of debit transactions.

txn_summary

minimum_balance_by_month

Month Map

The lowest end-of-day balance in a calendar month

negative_balances_by_month

Month Map

The list of all days in which the daily ending balance fell below zero in a calendar month.

negative_balances_by_month_weekday

Month Map

The list of all weekdays in which the daily ending balance fell below zero in a calendar month.

weekday_balances

non_estimated_revenue_txns_list

List of Transactions

The list of credit transactions that are excluded from the “Estimated Revenue by Month” calculation.

non_estimated_revenue_txns_list

nsf_count

Integer

The number of unique NSF & Overdraft fees for each bank account. This is especially useful with institutions that lump NSF fees into one transaction.

nsf_count

nsf_count_by_month

Month Map

The number of unique NSF fees each month. This is especially useful with institutions that lump NSF fees into one transaction.

nsf_count

nsf_transactions

List of Transactions

A list of fees associated with non-sufficient funds and overdraft transactions.

nsf_transactions_paid_or_negative_balance

List of Transactions

A list of fees associated with overdraft transactions.

nsf_transactions_paid_or_negative_balance

nsf_transactions_returned_or_not_paid

List of Transactions

A list of fees associated with returned and/or unpaid items due to NSF fees.

nsf_transactions_returned_or_not_paid

period_balance_mismatches

List of Period Mismatches

An indication of gaps between statement periods captured in the bank account.

probable_recurring_txns

List of Transactions

A list of transactions with the same dollar value that are greater than $10 and occur two or more times within 45 days.

probable_recurring_txns

round_number_txns

List of Transactions

A list of transactions that end in at least five zeroes, e.g., $1,000.00.

withdrawals

List of Transactions

The list of all debits transactions from a bank account.

withdrawals

withdrawals_max_by_month

Month Map

The value of the largest debit transaction in a calendar month.

withdrawals_sum_by_month

Month Map

The sum of all debit transactions in a calendar month.

outside_source_deposits

List of Transactions

The list of credit transactions that did not originate from one of the accounts within the application.

interbank_transactions

List of Transactions

A list of all transactions to/from any bank or financial institution.

alternative_lender_transactions

List of Transactions

A list of all transactions to/from alternative lenders, including small business lenders, personal lenders, mortgage players, and others in the online lending space. This list also includes transactions relating to Merchant Cash Advance and Factoring, though these are separately filtered in unique lists for Merchant Cash Advance Transactions and Factoring Transactions.

factor_txns

List of Transactions

A list of all transactions to/from invoice factoring companies.

factor_txns

debt_consolidator_txns

List of Transactions

A list of all transactions to/from debt consolidation companies.

debt_consolidator_txns

merchant_cash_advance_lender_txns

List of Transactions

A list of all transactions to/from merchant cash advance companies.

merchant_cash_advance_lender_txns

estimated_revenue_by_month

Month Map

The estimated revenue of the business in a calendar month. This is calculated by summing together all credit transactions, then removing all transfer credits (except for wire transfers), all alternative lender credits (except for factoring credits), and all transactions that contain words that signify that they are not revenue deposits. This includes words such as Refund, Reversal, Cash Back, Return, and about 20 others.

estimated_revenue_by_month_calc_txns

Revenue Calculation Transactions

The list of credit transactions that comprise the estimated revenue calculations for the business in a calendar month

estimated_revenue_by_month_calc_txns

estimated_revenue_txns_list

List of Transactions

The list of credit transactions that comprise the estimated revenue of the applicant.

estimated_revenue_txns_list

payroll

List of Transactions

A list of all transactions from payroll providers.

payroll

nsf_transactions_paid_or_negative_balance_count_by_month

Month Map

Average count of NSF transactions that have paid or negative balances in a calendar month

nsf_transactions_paid_or_negative_balance_count_by_month

nsf_transactions_returned_or_not_paid_count_by_month

Month Map

Average count of NSF transactions that have returned or unpaid balances in a calendar month

nsf_transactions_returned_or_not_paid_count_by_month

transfer_num

Integer

Number of Transfers: Total number of transfer txns (postive and negative txns matching with transfer term list) in the bank account

transfer_num

transfer_sum

Money

Amount of Transfers: Sum of transfer txns' amounts (postive and negative txns matching with transfer term list) in the bank account

transfer_sum

payroll_num

Integer

Number of Payroll Payments: For business account only, the total number of payroll txns (negative txns matching with payroll term list) in the bank account

payroll_num

payroll_sum

Money

Amount of Payroll Payments: For business account only, the sum of payroll txns' amounts (negative txns matching with payroll term list) in the bank account

payroll_sum

txn_four_zeros

Integer

Number of transactions ending in 4 zeros (00.00)

txn_four_zeros

mca_recurring_txns_additional_info

Object (see MCA Recurring Txns table below)

Summary of payments to merchant cash advance lenders.

mca_recurring_txns_additional_info

venmo_zelle_cashapp_num

Integer

Number of Venmo, Zelle, and Cash App Transactions: Total number of txns that include terms such as venmo, zelle or cashapp

venmo_zelle_cashapp_num

venmo_zelle_cashapp_sum

Money

Amount of Venmo, Zelle, and Cash App Transactions: Sum of amounts for venmo, zelle and cash app transactions

venmo_zelle_cashapp_sum

atm_withdrawals_num

Integer

Number of ATM Withdrawals: Total number of all ATM withdrawals from the bank account

atm_withdrawals_num

atm_withdrawals_sum

Money

Amount of ATM Withdrawals: The sum of all atm withdrawal amounts

atm_withdrawals_sum

merchant_service_deposits_num

Integer

Number of merchant service deposits: Total number of merchant service deposits (positive txns matching with merchant service terms) in the bank account

merchant_service_deposits_num

merchant_service_deposits_sum

Money

Amount of merchant service deposits: The sum of merchant service deposit txn amounts (positive txns matching with merchant service terms) in the bank account

merchant_service_deposits_sum

remote_deposits_num

Integer

Number of remote capture deposits: Total number of remote deposits in the bank account

remote_deposits_num

remote_deposits_sum

Money

Amount of remote capture deposits: Sum of remote deposit amounts in the bank account

remote_deposits_sum

checks_num

Integer

Number of checks in the bank account

checks_num

checks_highest_incidence

Money, Integer

Most commonly occuring check amount (of the highest incidence) as well as the number of such occurrences

checks_highest_incidence

}

MCA recurring txns additional info

{

Attribute

Data Type

Description

payment_frequency

Integer

Payment frequency.

recurring_payment_amount

Money

Recurring payment amount.

first_payment_date

Date

First payment date.

lender_name

String

Lender nam

}


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