Deposit Account Attributes

160+ Consumer and Commercial deposit account attributes (micro-indicators) to complement credit underwriting with non-FCRA and FCRA data.

Non-FCRA Attributes

• Number of days since the last update to the bank number status
• Proprietary rating for the financial institution (0 to 32, higher value = higher risk)
• % of transactions where bank routing and account numbers match (all transactions)
• % of transactions where bank routing and account numbers match (only cleared transactions)
• Size of bank indicator based on the submitted bank number (higher values = larger banks)
• % of transactions where the lengths of the bank account routing number and account number match (all transactions)
• % of transactions where the observed combination of routing number length and account number length have been observed before
• The latest status of the bank number based on settlement history (no data, valid, invalid, pending, or unknown)

FCRA Attributes

Attribute Category	Attribute Sub-Category	Number of Attributes	Details
Transaction Count	Positive Transactions	43	Count of all ACH transactions originally authorized but eventually returned unpaid Total count of authorized ACH transactions that were paid and not subsequently classified as unpaid (data until five days before the current transaction) The number of authorized ACH transactions that have been accepted but are not yet cleared Total count of transactions approved within the past 24 hours. Number of transactions approved in the last 30 days Count of confirmed transactions within the past 7 days, 60 days, 3 months Count of confirmed transactions involving a given bank number in the past 1, 7, 30, 60 days Total count of confirmed transactions associated with a specific bank number Count of confirmed transactions associated with both a specific bank number and driver's license number Count of approved transactions that returned unpaid, associated with a specific bank number Count of authorized transactions involving the given bank number in the past 1, 7, 30, 60 days Count of all-time authorized transactions involving the given bank number (with/out unpaid return reset) Count of authorized transactions in the past 7 days Count of authorized online transactions in the past 1, 7, 30 days Count of all-time authorized check transactions (with/out unfavorable event reset) Count of authorized retail transactions in the past 1, 7, 30 days Count of approved transactions associated with the DL in the past 1, 7, 30, 60 days Count of approved transactions associated with the DL across all time (resets after each unpaid debt linked to the DL) Count of approved transactions associated with the DL across all time Count of approved transactions with a value equal to or above $500 in the past 1, 7, 30, 60, 90 days Total count of approved transactions, resets with each paid debt Total count of approved transactions
Transaction Count	Negative Transactions	17	Count of negative transactions ever associated with the DL Total count of all negative transactions that have been paid Total count of fraudulent transactions that have been returned as unpaid. Total count of negative transactions that have been returned as unpaid Total count of all paid negative check transactions Total count of unpaid check transactions that are fraud-related Total count of all unpaid negative check transactions Count of transactions declined due to negative reasons in the past 1, 7, 30, 60, 90 days Count of transactions declined due to risk in the past 1, 7, 30, 60, 90 days
Transaction Count	Other	7	Count of unique payroll bank numbers associated with the DL in the past 90 days Count of transactions with the given bank number in the last 1, 7, 30, 60, 90 days Number of transactions performed with financial institutions
Transaction Value	Positive Transactions	24	Total monetary value ever of returned ACH transactions that were originally authorized Aggregate dollar value of all transactions approved over the past 1, 7, 30, 60, 90 days Total dollar amount of all-time authorized transactions (resets after each unfavorable event) Total dollar amount of all-time authorized transactions Total dollar amount of authorized transactions in the past 7 days Total dollar amount of authorized online transactions in the past 1, 7, 30 days Total dollar amount of authorized retail transactions in the past 1, 7, 30 days Total value of approved transactions associated with the DL in the past 1, 7, 30, 60 days Total value of approved transactions associated with the DL across all time (resets after each debt is paid) Total value of approved transactions associated with the DL across all time Highest dollar amount of any approved transaction ever Total value of approved transactions (stops increasing after unpaid debt event, resets after debt is paid) Cumulative value of approved transactions.
Transaction Value	Negative Transactions	17	Total value of negative transactions ever associated with the DL Total value of all negative transactions that have been paid Total value of negative transactions that have been returned as unpaid Total value of fraudulent negative transactions that have been returned as unpaid Total value of all paid negative check transactions Total value of unpaid check transactions that are fraud-related Total value of all unpaid negative check transactions Total value of transactions declined for negative reasons in the past 1, 7, 30, 60, 90 days Total value of transactions declined due to risk in the past 1, 7, 30, 60, 90 days
Transaction Value	Other	4	Aggregate dollar amount of authorized ACH transactions that were honored and never marked unpaid (data until five days before the current transaction) Sum of the dollar values for all accepted ACH transactions that are still awaiting clearance Total dollar amount of confirmed transactions associated with a specific bank number (resets with each unpaid return item) Total dollar value of approved transactions that returned unpaid, associated with a specific bank number
Transaction Dates	Positive Transactions	10	Duration in days since the earliest confirmed transaction with a given bank number (resets upon payment of debt) Duration in days since the earliest confirmed transaction with a specific bank number Time period since the earliest authorized transaction (resets after each debt is paid) Time period since the earliest authorized transaction Time period since the earliest authorized ACH transaction Time period since the most recent authorized ACH transaction Time period since the earliest authorized transaction (resets after each debt is paid) Date of the oldest approved transaction, resets after each debt is paid Date of the oldest approved transaction Number of days since the oldest approved transaction
Transaction Dates	Negative Transactions	13	Time period since the last negative override occurrence Time period since the latest negative item Time period since the earliest negative item Time period since the last risk override transaction Time period since the earliest negative authorized ACH transaction Time period since the most recent negative authorized ACH transaction Time period since the most recent stop payment transaction associated with the bank number Time period since the most recent stop payment transaction associated with the DL number, Military ID, SSN, or Matricula Card Number of days since the most recent paid negative item (stops increasing after unpaid debt event, resets after the debt is paid) Date of the earliest negative transaction Date of the most recent transaction declined for negative reasons Number of days since the most recent transaction declined for advisory reasons Number of days since the most recent transaction declined due to risk.
Transaction Dates	Other	8	Date when the first authorized return transaction unpaid was registered Date of the latest occurrence of an authorized unpaid return transaction Time period since the last transaction Date of the most recent transaction Number of hours since the most recent transaction Number of days since the oldest transaction that still has active debt Date of the most recent transaction performed with a financial institution Date of the first transaction performed with a financial institution
Score		3	Proprietary algorithm score that denotes the normalized frequency of historical transactions compared to the latest transaction. Resets when unpaid returns are cleared Proprietary algorithm score that denotes the normalized frequency of historical transactions compared to the latest transaction Proprietary measurement that takes into account the duration, volume, and speed of transaction activity
Miscellaneous		10	Count of repeated digit occurrences in the bank number, excluding zeros Count of unique driver's license numbers linked with a specific bank number Identity element tagged as the Core ID in the current transaction Count of unique bank numbers ever associated with the DL Indicator flagging unusual or potential fraudulent activity Most severe reason code ever associated with a transaction Flag indicating the existence of at least one approved but unpaid return transaction Reason code from the latest negative transaction Total number of 'stop payment' check transactions ever recorded Range of the bank number. Increases by one each time the check number moves to the next range

Attribute Category
Positive Transaction Counts Attributes: 43 Show Details Count of all ACH transactions originally authorized but eventually returned unpaid Total count of authorized ACH transactions that were paid and not subsequently classified as unpaid (data until five days before the current transaction) The number of authorized ACH transactions that have been accepted but are not yet cleared Total count of transactions approved within the past 24 hours. Number of transactions approved in the last 30 days Count of confirmed transactions within the past 7 days, 60 days, 3 months Count of confirmed transactions involving a given bank number in the past 1, 7, 30, 60 days Total count of confirmed transactions associated with a specific bank number Count of confirmed transactions associated with both a specific bank number and driver's license number Count of approved transactions that returned unpaid, associated with a specific bank number Count of authorized transactions involving the given bank number in the past 1, 7, 30, 60 days Count of all-time authorized transactions involving the given bank number (with/out unpaid return reset) Count of authorized transactions in the past 7 days Count of authorized online transactions in the past 1, 7, 30 days Count of all-time authorized check transactions (with/out unfavorable event reset) Count of authorized retail transactions in the past 1, 7, 30 days Count of approved transactions associated with the DL in the past 1, 7, 30, 60 days Count of approved transactions associated with the DL across all time (resets after each unpaid debt linked to the DL) Count of approved transactions associated with the DL across all time Count of approved transactions with a value equal to or above $500 in the past 1, 7, 30, 60, 90 days Total count of approved transactions, resets with each paid debt Total count of approved transactions
Negative Transaction Counts Attributes: 17 Show Details Count of negative transactions ever associated with the DL Total count of all negative transactions that have been paid Total count of fraudulent transactions that have been returned as unpaid. Total count of negative transactions that have been returned as unpaid Total count of all paid negative check transactions Total count of unpaid check transactions that are fraud-related Total count of all unpaid negative check transactions Count of transactions declined due to negative reasons in the past 1, 7, 30, 60, 90 days Count of transactions declined due to risk in the past 1, 7, 30, 60, 90 days
Other Transaction Counts Attributes: 7 Show Details Count of unique payroll bank numbers associated with the DL in the past 90 days Count of transactions with the given bank number in the last 1, 7, 30, 60, 90 days Number of transactions performed with financial institutions
Positive Transaction Values Attributes: 24 Show Details Total monetary value ever of returned ACH transactions that were originally authorized Aggregate dollar value of all transactions approved over the past 1, 7, 30, 60, 90 days Total dollar amount of all-time authorized transactions (resets after each unfavorable event) Total dollar amount of all-time authorized transactions Total dollar amount of authorized transactions in the past 7 days Total dollar amount of authorized online transactions in the past 1, 7, 30 days Total dollar amount of authorized retail transactions in the past 1, 7, 30 days Total value of approved transactions associated with the DL in the past 1, 7, 30, 60 days Total value of approved transactions associated with the DL across all time (resets after each debt is paid) Total value of approved transactions associated with the DL across all time Highest dollar amount of any approved transaction ever Total value of approved transactions (stops increasing after unpaid debt event, resets after debt is paid) Cumulative value of approved transactions.
Negative Transaction Values Attributes: 17 Show Details Total value of negative transactions ever associated with the DL Total value of all negative transactions that have been paid Total value of negative transactions that have been returned as unpaid Total value of fraudulent negative transactions that have been returned as unpaid Total value of all paid negative check transactions Total value of unpaid check transactions that are fraud-related Total value of all unpaid negative check transactions Total value of transactions declined for negative reasons in the past 1, 7, 30, 60, 90 days Total value of transactions declined due to risk in the past 1, 7, 30, 60, 90 days
Other Transaction Values Attributes: 4 Show Details Aggregate dollar amount of authorized ACH transactions that were honored and never marked unpaid (data until five days before the current transaction) Sum of the dollar values for all accepted ACH transactions that are still awaiting clearance Total dollar amount of confirmed transactions associated with a specific bank number (resets with each unpaid return item) Total dollar value of approved transactions that returned unpaid, associated with a specific bank number
Positive Transaction Dates Attributes: 10 Show Details Duration in days since the earliest confirmed transaction with a given bank number (resets upon payment of debt) Duration in days since the earliest confirmed transaction with a specific bank number Time period since the earliest authorized transaction (resets after each debt is paid) Time period since the earliest authorized transaction Time period since the earliest authorized ACH transaction Time period since the most recent authorized ACH transaction Time period since the earliest authorized transaction (resets after each debt is paid) Date of the oldest approved transaction, resets after each debt is paid Date of the oldest approved transaction Number of days since the oldest approved transaction
Negative Transaction Dates Attributes: 13 Show Details Time period since the last negative override occurrence Time period since the latest negative item Time period since the earliest negative item Time period since the last risk override transaction Time period since the earliest negative authorized ACH transaction Time period since the most recent negative authorized ACH transaction Time period since the most recent stop payment transaction associated with the bank number Time period since the most recent stop payment transaction associated with the DL number, Military ID, SSN, or Matricula Card Number of days since the most recent paid negative item (stops increasing after unpaid debt event, resets after the debt is paid) Date of the earliest negative transaction Date of the most recent transaction declined for negative reasons Number of days since the most recent transaction declined for advisory reasons Number of days since the most recent transaction declined due to risk.
Other Transaction Dates Attributes: 8 Show Details Date when the first authorized return transaction unpaid was registered Date of the latest occurrence of an authorized unpaid return transaction Time period since the last transaction Date of the most recent transaction Number of hours since the most recent transaction Number of days since the oldest transaction that still has active debt Date of the most recent transaction performed with a financial institution Date of the first transaction performed with a financial institution
Scores Attributes: 3 Show Details Proprietary algorithm score that denotes the normalized frequency of historical transactions compared to the latest transaction. Resets when unpaid returns are cleared Proprietary algorithm score that denotes the normalized frequency of historical transactions compared to the latest transaction Proprietary measurement that takes into account the duration, volume, and speed of transaction activity
Miscellaneous Attributes: 10 Show Details Count of repeated digit occurrences in the bank number, excluding zeros Count of unique driver's license numbers linked with a specific bank number Identity element tagged as the Core ID in the current transaction Count of unique bank numbers ever associated with the DL Indicator flagging unusual or potential fraudulent activity Most severe reason code ever associated with a transaction Flag indicating the existence of at least one approved but unpaid return transaction Reason code from the latest negative transaction Total number of 'stop payment' check transactions ever recorded Range of the bank number. Increases by one each time the check number moves to the next range

Download our Deposit Account Attributes Data Dictionary: Data@C Deposit Account Attributes.csv