Accounts

The accounts entity contains all deposit, loan, and card accounts at your institution.

Overview

Accounts include:

• Deposit accounts (checking, savings, CDs)
• Loan accounts (term loans, lines of credit, mortgages)
• Card accounts (debit cards, credit cards)
• Account metadata (status, balances, dates)

Entity Relationships

Accounts link to customers through Customer Relationships and contain Transactions.

Key Fields

Field	Description	Example
account_number	Primary identifier	1234567890
rs_account_type	Standardized type	Checking, Savings, Term Loan
rs_account_subtype	Consumer or Business	Consumer, Business
rs_account_status	Standardized status	Active, Closed, Dormant
current_balance	Balance in cents	150000 = $1,500.00

Account Types

Deposit Accounts

Type	Description
Checking	Demand deposit for daily transactions
Savings	Interest-bearing savings
Time Deposit	CDs with fixed terms

Loan Accounts

Type	Description
Term Loan	Fixed repayment schedule
Revolving Loan	Line of credit
General Purpose Loan	Catch-all loan category

See Account Types for the complete list.

Balance Fields

Currency Values

All balance fields are stored in cents. Divide by 100 to get dollar amounts.

Field	Description
current_balance	Current account balance
available_balance	Funds available for withdrawal
average_balance	Average balance over statement period
ledger_balance	Ledger balance

Card Account Fields

For debit/credit card accounts, include:

Field	Description
card_pan_last_4	Last 4 digits of card number
card_type	Card type (Visa, MC, etc.)
card_status	Card status
card_expiry_date	Expiration date

Loan-Specific Fields

For loan accounts, include where available:

Field	Description
initial_loan_amount	Original principal
interest_rate	Current interest rate
maturity_date	Loan maturity date
secured_loan	Whether collateralized
collateral_type	Type of collateral

Standardized Code Values

Field	Code Reference
rs_account_type	Account Types
rs_account_status	Account Status
rs_account_subtype	Consumer or Business

Required Fields

At minimum, include:

• account_number - Primary account identifier
• rs_account_type - Account classification
• rs_account_status - Current status

Recommended:

• date_open - Account opening date
• current_balance - Current balance
• branch_number - Associated branch

Best Practices

1. Consistent account numbers - Same format across all files
2. Status tracking - Update status when accounts close
3. Balance currency - Always use cents, not dollars
4. Date precision - Include times where available
5. Linked customers - Ensure every account has at least one customer relationship

Field Reference

See Accounts Field Reference for the complete field list with types and descriptions.