Account Status
Standardized account status codes used in the rs_account_status field.
Overview
RiskScout normalizes your institution's account status codes to these standard categories. Accurate status tracking is essential for monitoring and regulatory reporting.
Your original status code is preserved in account_status, while rs_account_status contains the mapped standard value.
Code Values
| Code | Description |
|---|---|
Active | Open and operational |
Dormant | No activity for an extended period, may need reactivation |
Closed | Permanently closed, no transactions allowed |
Overdrawn | Balance is negative, withdrawals exceed available funds |
Delinquent | Overdue payments or unpaid balance beyond the due date |
Charged Off | Balance is uncollectible and written off as a loss |
Usage Example
account_number,account_status,account_status_description,rs_account_status
1001234,A,ACTIVE,Active
1005678,D,DORMANT,Dormant
2001234,C,CLOSED,Closed
Status Transitions
Mapping Guidance
| Your Status | Map To |
|---|---|
| Active, Open, Current | Active |
| Dormant, Inactive, No Activity | Dormant |
| Closed, Terminated | Closed |
| Overdrawn, NSF | Overdrawn |
| Past Due, Delinquent, Collections | Delinquent |
| Charged Off, Bad Debt, Loss | Charged Off |
Risk Considerations
- Dormant to Active - Sudden reactivation may warrant review
- Overdrawn - Repeated overdrafts may indicate financial stress
- Delinquent - Monitor for fraud or abandonment
- Recently Closed - Check for suspicious activity before closure