{
  "model": "grayson-1",
  "state": {
    "account_holder": {
      "name": "Devon R. Haskins",
      "age": 44,
      "member_since": "2022-06-13",
      "address": "Toledo, OH; same address since 2020 (rents)",
      "occupation_on_file": "Dispatcher, Lakemont Freight Services (from account opening, not updated)",
      "phone_on_file": "555-0108, since 2022-06-13",
      "email_on_file": "dhaskins419@example.net, since 2022-06-13",
      "identity_verified_at_opening": "In branch, state ID",
      "prior_fraud_or_scam_reports": "None"
    },
    "accounts_and_limits": {
      "checking": "x2208, opened 2022-06-13",
      "savings": "x2207, balance $12.40",
      "debit_card": "x7741",
      "mobile_deposit_limits": "$3,000 per business day; $6,000 per rolling 30 days",
      "mobile_deposit_enrolled": "2022-07-01",
      "p2p_limit": "$2,500 per day",
      "p2p_recipients_before_deposit_day": [
        "Gary Lindqvist (since 2022-07; landlord, paid monthly)",
        "Andre Haskins (since 2022)",
        "Tamika Reed (since 2023)"
      ],
      "external_accounts_linked": [
        "Own checking x5520 at another institution (an online bank), linked 2023-08-02 by micro-deposits; used for transfers both ways"
      ],
      "overdraft_coverage": "Opted in for debit card; standard for ACH and checks"
    },
    "account_changes_last_12_months": [],
    "contact_history_before_deposit": [
      {
        "ts": "2026-09-29T12:16:00-04:00",
        "channel": "Phone",
        "summary": "Member asked to waive the 9/25 overdraft fee and the 9/28 NSF fee; said her job at Lakemont ended mid-September and her last paycheck didn't come by direct deposit on 9/25. One fee ($29.00) refunded as a courtesy, to post 2026-10-01."
      }
    ],
    "devices": [
      {
        "device": "Samsung Galaxy S23",
        "first_seen": "2023-11-20",
        "enrolled_by": "SMS code to phone on file",
        "last_seen": "2026-10-05T08:29:11-04:00"
      }
    ],
    "logins_last_90_days_summary": {
      "columns": [
        "channel",
        "device",
        "network",
        "logins",
        "first_in_window",
        "last"
      ],
      "rows": [
        [
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "Residential fiber ISP, Toledo OH",
          92,
          "2026-07-07T18:50:01-04:00",
          "2026-10-05T08:29:11-04:00"
        ],
        [
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "Mobile carrier network, Toledo OH area",
          28,
          "2026-07-08T21:01:14-04:00",
          "2026-10-03T10:08:02-04:00"
        ]
      ]
    },
    "logins_last_30_days": {
      "columns": [
        "ts",
        "channel",
        "device",
        "ip",
        "network",
        "auth"
      ],
      "rows": [
        [
          "2026-09-06T19:52:16-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ],
        [
          "2026-09-07T14:10:22-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "192.0.2.27",
          "Mobile carrier network, Toledo OH area",
          "Fingerprint"
        ],
        [
          "2026-09-07T23:00:18-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "192.0.2.27",
          "Mobile carrier network, Toledo OH area",
          "Fingerprint"
        ],
        [
          "2026-09-09T13:02:52-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ],
        [
          "2026-09-10T13:21:46-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ],
        [
          "2026-09-10T13:29:01-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ],
        [
          "2026-09-11T14:43:43-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ],
        [
          "2026-09-12T11:36:52-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ],
        [
          "2026-09-12T19:43:00-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "192.0.2.27",
          "Mobile carrier network, Toledo OH area",
          "Fingerprint"
        ],
        [
          "2026-09-12T20:20:19-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "192.0.2.27",
          "Mobile carrier network, Toledo OH area",
          "Fingerprint"
        ],
        [
          "2026-09-13T09:06:12-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ],
        [
          "2026-09-14T22:03:15-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ],
        [
          "2026-09-14T22:05:56-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ],
        [
          "2026-09-15T21:57:15-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ],
        [
          "2026-09-15T21:59:49-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ],
        [
          "2026-09-16T09:41:41-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "192.0.2.27",
          "Mobile carrier network, Toledo OH area",
          "Fingerprint"
        ],
        [
          "2026-09-16T12:53:22-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ],
        [
          "2026-09-17T21:10:10-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ],
        [
          "2026-09-19T14:38:53-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ],
        [
          "2026-09-19T18:32:27-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ],
        [
          "2026-09-20T10:44:04-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ],
        [
          "2026-09-20T16:33:24-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ],
        [
          "2026-09-20T21:20:03-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "192.0.2.27",
          "Mobile carrier network, Toledo OH area",
          "Fingerprint"
        ],
        [
          "2026-09-21T14:45:24-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ],
        [
          "2026-09-21T14:53:31-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ],
        [
          "2026-09-22T14:09:30-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ],
        [
          "2026-09-22T15:07:57-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ],
        [
          "2026-09-23T11:20:35-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ],
        [
          "2026-09-23T11:51:48-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ],
        [
          "2026-09-24T08:18:12-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ],
        [
          "2026-09-24T09:49:40-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ],
        [
          "2026-09-26T08:25:08-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ],
        [
          "2026-09-26T09:00:20-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ],
        [
          "2026-09-27T12:38:53-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ],
        [
          "2026-09-27T21:26:36-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ],
        [
          "2026-09-28T21:33:30-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ],
        [
          "2026-09-29T14:59:15-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ],
        [
          "2026-09-30T12:38:06-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ],
        [
          "2026-09-30T16:38:02-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ],
        [
          "2026-10-01T11:00:58-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ],
        [
          "2026-10-01T21:05:41-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "192.0.2.27",
          "Mobile carrier network, Toledo OH area",
          "Fingerprint"
        ],
        [
          "2026-10-01T21:37:33-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ],
        [
          "2026-10-03T07:11:16-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "192.0.2.27",
          "Mobile carrier network, Toledo OH area",
          "Fingerprint"
        ],
        [
          "2026-10-03T10:08:02-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "192.0.2.27",
          "Mobile carrier network, Toledo OH area",
          "Fingerprint"
        ],
        [
          "2026-10-03T20:15:55-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ],
        [
          "2026-10-04T14:55:52-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ],
        [
          "2026-10-05T08:10:26-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ],
        [
          "2026-10-05T08:29:11-04:00",
          "Mobile app",
          "Samsung Galaxy S23 (enrolled 2023-11-20)",
          "203.0.113.58",
          "Residential fiber ISP, Toledo OH",
          "Fingerprint"
        ]
      ]
    },
    "monthly_summary_before_detail": {
      "columns": [
        "month",
        "credits",
        "credits_usd",
        "debits",
        "debits_usd",
        "check_deposits",
        "fees_charged",
        "lowest_balance_usd",
        "ending_balance_usd"
      ],
      "rows": [
        [
          "2025-10",
          4,
          4672.36,
          39,
          3093.63,
          0,
          0,
          154.14,
          2228.73
        ],
        [
          "2025-11",
          2,
          3315.47,
          42,
          4338.8,
          0,
          0,
          926.42,
          1205.4
        ],
        [
          "2025-12",
          6,
          4549.76,
          40,
          4552.3,
          0,
          0,
          218.19,
          1202.86
        ],
        [
          "2026-01",
          6,
          6068.88,
          39,
          4006.61,
          1,
          0,
          385.67,
          3265.13
        ],
        [
          "2026-02",
          5,
          5953.47,
          34,
          3738.85,
          0,
          0,
          1210.89,
          5479.75
        ],
        [
          "2026-03",
          3,
          3431.55,
          43,
          7464.03,
          0,
          0,
          560.47,
          1447.27
        ],
        [
          "2026-04",
          3,
          3730.19,
          42,
          2932.93,
          0,
          0,
          125.79,
          2244.53
        ],
        [
          "2026-05",
          3,
          3287.72,
          44,
          4297.82,
          0,
          0,
          743.03,
          1234.43
        ]
      ]
    },
    "checking_transactions_since_2026_06_01": {
      "columns": [
        "posted_at",
        "type",
        "description",
        "amount_usd",
        "balance_usd"
      ],
      "rows": [
        [
          "2026-06-01T09:14:00-04:00",
          "P2P out",
          "ZELLE TO GARY LINDQVIST",
          -1150,
          84.43
        ],
        [
          "2026-06-02T00:30:00-04:00",
          "External transfer",
          "EXT XFER FROM x5520 (own account, linked 2023)",
          350,
          434.43
        ],
        [
          "2026-06-02T10:30:35-04:00",
          "Debit card",
          "WENDYS #0921 TOLEDO OH",
          -11.08,
          423.35
        ],
        [
          "2026-06-04T15:28:45-04:00",
          "Debit card",
          "WENDYS #0921 TOLEDO OH",
          -12.95,
          410.4
        ],
        [
          "2026-06-05T06:00:13-04:00",
          "ACH credit",
          "LAKEMONT FREIGHT PAYROLL PPD",
          1653.92,
          2064.32
        ],
        [
          "2026-06-05T08:46:00-04:00",
          "Debit card",
          "BIGGBY COFFEE #312 TOLEDO OH",
          -5.34,
          2058.98
        ],
        [
          "2026-06-06T10:39:56-04:00",
          "Debit card",
          "WALGREENS #10412 TOLEDO OH",
          -27.67,
          2031.31
        ],
        [
          "2026-06-07T08:20:24-04:00",
          "Debit card",
          "KROGER #0389 TOLEDO OH",
          -44.71,
          1986.6
        ],
        [
          "2026-06-07T09:35:00-04:00",
          "Debit card",
          "BUCKEYE BROADBAND TOLEDO OH",
          -64.99,
          1921.61
        ],
        [
          "2026-06-08T20:11:17-04:00",
          "Debit card",
          "TACO BELL #029911 TOLEDO OH",
          -6.99,
          1914.62
        ],
        [
          "2026-06-09T08:51:00-04:00",
          "Debit card",
          "NETFLIX.COM LOS GATOS CA",
          -15.49,
          1899.13
        ],
        [
          "2026-06-09T14:52:53-04:00",
          "Debit card",
          "SUNOCO 0363458800 TOLEDO OH",
          -26.31,
          1872.82
        ],
        [
          "2026-06-10T18:05:53-04:00",
          "Debit card",
          "AUTOZONE #3317 TOLEDO OH",
          -45.48,
          1827.34
        ],
        [
          "2026-06-12T15:40:56-04:00",
          "Debit card",
          "ALDI 72044 TOLEDO OH",
          -22.01,
          1805.33
        ],
        [
          "2026-06-12T18:57:52-04:00",
          "Debit card",
          "FAMILY DOLLAR #2209 TOLEDO OH",
          -22.23,
          1783.1
        ],
        [
          "2026-06-12T20:28:49-04:00",
          "Debit card",
          "DOORDASH*PAPA JOHNS SAN FRANCISCO CA",
          -29.15,
          1753.95
        ],
        [
          "2026-06-13T11:09:05-04:00",
          "Debit card",
          "BIGGBY COFFEE #312 TOLEDO OH",
          -4.24,
          1749.71
        ],
        [
          "2026-06-14T06:49:00-04:00",
          "Debit card",
          "HULU HULU.COM CA",
          -18.99,
          1730.72
        ],
        [
          "2026-06-14T12:01:01-04:00",
          "Debit card",
          "TONY PACKOS CAFE TOLEDO OH",
          -17.89,
          1712.83
        ],
        [
          "2026-06-15T06:53:00-04:00",
          "Debit card",
          "ATT*BILL PAYMENT DALLAS TX",
          -95,
          1617.83
        ],
        [
          "2026-06-15T22:44:48-04:00",
          "Debit card",
          "TONY PACKOS CAFE TOLEDO OH",
          -25.56,
          1592.27
        ],
        [
          "2026-06-16T06:40:00-04:00",
          "ACH debit",
          "GLASS CITY AUTO FIN PMT",
          -286,
          1306.27
        ],
        [
          "2026-06-19T06:00:03-04:00",
          "ACH credit",
          "LAKEMONT FREIGHT PAYROLL PPD",
          1647.81,
          2954.08
        ],
        [
          "2026-06-19T08:04:00-04:00",
          "ACH debit",
          "TOLEDO EDISON PAYMENT",
          -104.41,
          2849.67
        ],
        [
          "2026-06-19T20:49:15-04:00",
          "Debit card",
          "WALMART SC #1427 TOLEDO OH",
          -31,
          2818.67
        ],
        [
          "2026-06-20T12:44:26-04:00",
          "Debit card",
          "DOLLAR GENERAL #15602 TOLEDO OH",
          -20.63,
          2798.04
        ],
        [
          "2026-06-21T13:11:23-04:00",
          "Debit card",
          "MCDONALD'S F3307 TOLEDO OH",
          -9.58,
          2788.46
        ],
        [
          "2026-06-21T14:51:46-04:00",
          "Debit card",
          "SPEEDWAY 07721 TOLEDO OH",
          -31.25,
          2757.21
        ],
        [
          "2026-06-22T00:30:00-04:00",
          "External transfer",
          "EXT XFER TO x5520 (own account, linked 2023)",
          -1200,
          1557.21
        ],
        [
          "2026-06-22T09:13:00-04:00",
          "ACH debit",
          "COLUMBIA GAS OF OHIO",
          -27.59,
          1529.62
        ],
        [
          "2026-06-22T12:51:52-04:00",
          "Debit card",
          "ALDI 72044 TOLEDO OH",
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          "LAKEMONT FREIGHT PAYROLL PPD",
          1671.84,
          2447.38
        ],
        [
          "2026-09-12T10:00:24-04:00",
          "Debit card",
          "KROGER #0389 TOLEDO OH",
          -51.74,
          2395.64
        ],
        [
          "2026-09-14T08:25:00-04:00",
          "Debit card",
          "HULU HULU.COM CA",
          -18.99,
          2376.65
        ],
        [
          "2026-09-14T16:37:20-04:00",
          "Debit card",
          "FIRESTONE COMPLETE AUTO CARE TOLEDO OH",
          -1415.72,
          960.93
        ],
        [
          "2026-09-15T07:56:00-04:00",
          "Debit card",
          "ATT*BILL PAYMENT DALLAS TX",
          -95,
          865.93
        ],
        [
          "2026-09-15T09:31:33-04:00",
          "Debit card",
          "MEIJER #062 TOLEDO OH",
          -127.28,
          738.65
        ],
        [
          "2026-09-15T14:42:05-04:00",
          "Debit card",
          "WENDYS #0921 TOLEDO OH",
          -10.09,
          728.56
        ],
        [
          "2026-09-16T06:43:00-04:00",
          "ACH debit",
          "GLASS CITY AUTO FIN PMT",
          -286,
          442.56
        ],
        [
          "2026-09-17T20:11:02-04:00",
          "P2P out",
          "ZELLE TO ANDRE HASKINS",
          -200,
          242.56
        ],
        [
          "2026-09-20T13:16:06-04:00",
          "Debit card",
          "ALDI 72044 TOLEDO OH",
          -29.77,
          212.79
        ],
        [
          "2026-09-21T07:41:00-04:00",
          "ACH debit",
          "COLUMBIA GAS OF OHIO",
          -26.8,
          185.99
        ],
        [
          "2026-09-21T09:53:00-04:00",
          "ACH debit",
          "TOLEDO EDISON PAYMENT",
          -90.01,
          95.98
        ],
        [
          "2026-09-21T10:38:46-04:00",
          "Debit card",
          "MARATHON PETRO221045 TOLEDO OH",
          -23.59,
          72.39
        ],
        [
          "2026-09-22T13:49:53-04:00",
          "Debit card",
          "SUNOCO 0363458800 TOLEDO OH",
          -26.25,
          46.14
        ],
        [
          "2026-09-24T18:11:39-04:00",
          "Debit card",
          "TACO BELL #029911 TOLEDO OH",
          -7.64,
          38.5
        ],
        [
          "2026-09-25T18:02:09-04:00",
          "Debit card",
          "MEIJER #062 TOLEDO OH",
          -61.27,
          -22.77
        ],
        [
          "2026-09-25T23:59:00-04:00",
          "Fee",
          "OVERDRAFT FEE",
          -29,
          -51.77
        ],
        [
          "2026-09-27T11:55:41-04:00",
          "Instant payment in",
          "INSTANT XFER FROM x5520 (own account, linked 2023)",
          100,
          48.23
        ],
        [
          "2026-09-28T14:06:29-04:00",
          "Debit card",
          "DOLLAR GENERAL #15602 TOLEDO OH",
          -7.46,
          40.77
        ],
        [
          "2026-09-28T23:59:00-04:00",
          "Fee",
          "NSF FEE (ACH DEBIT RETURNED UNPAID R01: GEICO AUTO PMT 131.22)",
          -29,
          11.77
        ],
        [
          "2026-10-01T06:00:00-04:00",
          "Fee refund",
          "COURTESY REFUND OVERDRAFT FEE",
          29,
          40.77
        ],
        [
          "2026-10-03T11:42:41-04:00",
          "Instant payment in",
          "INSTANT XFER FROM x5520 (own account, linked 2023)",
          250,
          290.77
        ]
      ]
    },
    "check_deposits_last_24_months": {
      "columns": [
        "deposited_on",
        "channel",
        "maker",
        "maker_type",
        "serial",
        "amount_usd",
        "result",
        "return_reason"
      ],
      "rows": [
        [
          "2024-12-23",
          "Mobile",
          "Linda Haskins (individual)",
          "Personal",
          "4412",
          300,
          "Paid",
          null
        ],
        [
          "2025-07-14",
          "Mobile",
          "A national auto insurer (claim payment)",
          "Business",
          "70221854",
          1204.5,
          "Paid",
          null
        ],
        [
          "2026-01-06",
          "Mobile",
          "Linda Haskins (individual)",
          "Personal",
          "4498",
          250,
          "Paid",
          null
        ]
      ]
    },
    "deposit_session": {
      "submitted_at": "2026-10-05T08:12:31-04:00",
      "business_day_of_deposit": "2026-10-05",
      "device": "Samsung Galaxy S23 (enrolled 2023-11-20), our app 8.3.1; not rooted; no emulator; no screen-sharing or remote-access app active",
      "ip": "203.0.113.58",
      "network": "Residential fiber ISP, Toledo OH (same as most logins in the last 90 days)",
      "login_auth": "Fingerprint",
      "time_in_deposit_flow": "1 min 37 s",
      "capture": "Front: auto-capture, 1 attempt. Back: auto-capture, 1 attempt.",
      "amount_keyed_by_member_usd": 2318.62,
      "scam_warning": "Not shown (shown only for a first check from a maker over $2,500)",
      "member_answers": {
        "What is this check for?": "Paycheck",
        "Has anyone asked you to send part of this money to someone else?": "No"
      }
    },
    "after_the_deposit": [
      {
        "ts": "2026-10-05T08:19:55-04:00",
        "event": "P2P send attempt",
        "detail": "$1,150.00 to Gary Lindqvist (existing recipient since 2022-07, paid $1,150.00 on or near the 1st of each month): declined, insufficient available funds (available $290.77)"
      },
      {
        "ts": "2026-10-05T08:31:02-04:00",
        "event": "Secure message from member",
        "detail": "Hi, I deposited my last paycheck from Lakemont this morning. They mailed a paper check instead of direct deposit and it only came Saturday. How soon will it be available? My rent is late."
      },
      {
        "ts": "2026-10-05T08:44:18-04:00",
        "event": "ATM balance inquiry",
        "detail": "Our branch 4 ATM, Toledo OH, debit card x7741"
      },
      {
        "ts": "2026-10-05T09:12:40-04:00",
        "event": "Inbound call (contact center note)",
        "detail": "Member asked when the check will be available. Said Lakemont's payroll office mailed her final pay as a paper check because her direct deposit was stopped when she left. Said she will pay rent as soon as the funds are available. Told her the deposit is in review; no availability promised."
      }
    ],
    "balances_now": {
      "ledger_balance_usd": 290.77,
      "available_balance_usd": 290.77,
      "deposit_under_review_usd": 2318.62
    },
    "review_alert": {
      "queue": "Deposit review: mobile check deposits held for an analyst before acceptance",
      "queued_at": "2026-10-05T08:12:42-04:00",
      "rules_fired": [
        "R-120 Check verification: serial outside the maker's recent range",
        "R-125 No issued-item record on an account that has issued-item data",
        "R-131 Amount over 3x the member's 12-month average check deposit ($250.00)",
        "R-160 Overdraft or returned item on the account in the last 15 days",
        "R-142 P2P send attempted within 24 hours of the deposit"
      ],
      "vendor_deposit_risk_score": {
        "score": 742,
        "range": "0-999, higher is riskier",
        "reasons": [
          "Serial number outside the maker's recent range",
          "No issued-item record",
          "Low balance relative to deposit"
        ]
      },
      "exposure": {
        "deposit_usd": 2318.62,
        "member_funds_available_usd": 303.17,
        "uncovered_if_returned_usd": 2015.45,
        "basis": "Available checking plus savings balances"
      },
      "decision_requested_at": "2026-10-05T10:05:00-04:00"
    },
    "item_under_review": {
      "deposit_id": "MD-20261005-104416",
      "channel": "Mobile app",
      "amount_usd": 2318.62,
      "courtesy_amount_read": 2318.62,
      "legal_amount_read": "Two thousand three hundred eighteen and 62/100",
      "check_type": "Business check (three-to-a-page desk check)",
      "maker_name_printed": "LAKEMONT FREIGHT SERVICES INC",
      "maker_address_printed": "Street address in Toledo, OH",
      "paying_bank": "A regional bank in Ohio (routing xxxxx0377)",
      "micr": {
        "routing": "xxxxx0377",
        "account": "x9152",
        "serial": "5108",
        "serial_field": "Auxiliary on-us field (business-check layout)"
      },
      "check_number_printed": "5108",
      "check_date": "2026-09-25",
      "payee": "DEVON R HASKINS",
      "memo": "Final pay 9/6-9/19 + PTO",
      "signature": "Handwritten signature (the maker's payroll items carry a printed facsimile signature)",
      "endorsement": "Member's signature and 'For mobile deposit only' with our institution's name, as required",
      "image_quality": {
        "front": "Pass",
        "back": "Pass"
      },
      "image_analysis": {
        "courtesy_and_legal_amounts_agree": true,
        "signs_of_alteration": "None detected (fonts and ink consistent across payee, amount and date)",
        "security_features": "Padlock icon with security-feature legend on the back, microprint signature line, void pantograph",
        "check_stock_comparison": "Partial match: logo, maker name, address and MICR layout match the 15 reference images from this account, but this item is a three-to-a-page desk check without the payroll stub that all 15 reference items have"
      },
      "duplicate_detection": {
        "our_institution": "No match",
        "shared_image_network": "No match"
      },
      "check_verification_service": {
        "maker_account_status": "Open, valid (open more than 5 years)",
        "serial_vs_recent_items": "Outside range: recent paid items from this account are numbered 88102 to 88460",
        "account_owner_name_match": "Match: LAKEMONT FREIGHT SERVICES INC",
        "issued_item_data": "No record for serial 5108 (the paying bank holds issued-item data for this account; serials 88102 to 88460 are in it)",
        "network_activity_last_30_days": "412 items from this account presented at 37 institutions; none returned",
        "paid_item_status": "No paid record for serial 5108"
      },
      "maker_history": {
        "this_member": "No earlier checks from this maker; paid by direct deposit from the same employer until 2026-09-11",
        "our_institution": "61 items from this maker account deposited by 7 members in 24 months, all in the 88000 payroll series; 1 returned ('C - Stop payment', 2025-02)"
      }
    },
    "funds_availability_if_accepted": "Per the mobile deposit agreement: $275 on the next business day, the rest on the second business day",
    "funds_availability_if_held": "Exception hold under the mobile deposit agreement: up to 7 business days, with a notice to the member giving the reason"
  },
  "questions": {
    "return_likelihood": {
      "type": "score",
      "instructions": "How likely is it that the check under review will be returned unpaid?",
      "criteria": [
        "Very unlikely (under 10%)",
        "Unlikely (10-40%)",
        "Uncertain (40-60%)",
        "Likely (60-90%)",
        "Very likely (over 90%)"
      ]
    },
    "check_problem": {
      "type": "choice",
      "instructions": "What is most likely wrong with the check under review?",
      "criteria": {
        "none": "Nothing: it appears to be a legitimate check payable to the account holder",
        "counterfeit": "Counterfeit: a fake check, possibly printed with a real account's routing and account numbers",
        "altered": "Altered: a genuine check whose payee or amount was changed",
        "stolen": "Stolen: a genuine, unaltered check deposited by someone not entitled to it",
        "duplicate": "Duplicate: a check that has already been deposited or cashed elsewhere"
      }
    },
    "funds_action": {
      "type": "choice",
      "instructions": "What should happen to the funds from the check under review?",
      "criteria": {
        "normal_availability": "Accept the deposit and make the funds available on the normal schedule",
        "exception_hold": "Accept the deposit and place an exception hold until the check clears, with a notice giving the reason",
        "reject": "Reject the deposit and don't credit the account"
      }
    }
  }
}