{
  "model": "grayson-1",
  "state": {
    "account_holder": {
      "name": "Jordan A. Pruitt",
      "age": 29,
      "member_since": "2023-03-14",
      "address": "Kettering, OH; same address since 2022",
      "occupation_on_file": "Not currently employed (changed 2026-08-26 from 'Warehouse associate, Kestrel Fulfillment')",
      "phone_on_file": "555-0142, since 2023-03-14",
      "email_on_file": "jpruitt.mail@example.com, since 2023-03-14",
      "identity_verified_at_opening": "In branch, driver license",
      "prior_fraud_or_scam_reports": "None"
    },
    "accounts_and_limits": {
      "checking": "x4471, opened 2023-03-14",
      "savings": "x4470, balance $650.00",
      "debit_card": "x8836 (reissued 2026-07-11 on expiry of x2290)",
      "mobile_deposit_limits": "$5,000 per business day; $10,000 per rolling 30 days",
      "mobile_deposit_enrolled": "2023-04-02",
      "p2p_limit": "$2,500 per day",
      "p2p_recipients_before_deposit_day": [
        "Darnell Webb (since 2023)",
        "Tasha Pruitt (since 2023)",
        "Kayla Brooks (since 2024)",
        "Carol J. Pruitt (since 2024)"
      ],
      "overdraft_coverage": "Opted out for debit card; standard for ACH and checks"
    },
    "account_changes_last_12_months": [
      {
        "ts": "2026-07-11T10:02:00-04:00",
        "change": "Debit card reissued on expiry (x2290 to x8836), mailed to address on file"
      },
      {
        "ts": "2026-08-26T15:41:20-04:00",
        "change": "Occupation updated by contact center at member's request"
      }
    ],
    "contact_history_before_deposit": [
      {
        "ts": "2026-06-03T13:58:00-04:00",
        "channel": "Chat",
        "summary": "Member disputed a duplicate DoorDash charge of $23.18. Provisional credit given; merchant later confirmed the duplicate."
      },
      {
        "ts": "2026-08-26T15:30:00-04:00",
        "channel": "Phone",
        "summary": "Member said he was laid off from Kestrel Fulfillment last week and asked about lowering his car payment. Referred to his auto lender; occupation updated."
      }
    ],
    "devices": [
      {
        "device": "iPhone 12",
        "first_seen": "2024-01-08",
        "enrolled_by": "SMS code to phone on file",
        "last_seen": "2026-10-06T08:29:40-04:00"
      },
      {
        "device": "Windows PC, Chrome (online banking)",
        "first_seen": "2023-03-20",
        "enrolled_by": "SMS code to phone on file"
      }
    ],
    "logins_last_90_days_summary": {
      "columns": [
        "channel",
        "device",
        "network",
        "logins",
        "first_in_window",
        "last"
      ],
      "rows": [
        [
          "Mobile app",
          "iPhone 12 (enrolled 2024-01-08)",
          "Residential cable ISP, Kettering OH",
          77,
          "2026-07-08T07:58:40-04:00",
          "2026-10-06T08:29:40-04:00"
        ],
        [
          "Mobile app",
          "iPhone 12 (enrolled 2024-01-08)",
          "Mobile carrier network, Dayton OH area",
          19,
          "2026-07-10T23:43:55-04:00",
          "2026-10-02T18:51:23-04:00"
        ],
        [
          "Online banking",
          "Windows PC, Chrome",
          "Residential cable ISP, Kettering OH",
          15,
          "2026-07-10T07:47:09-04:00",
          "2026-10-03T23:09:08-04:00"
        ]
      ]
    },
    "logins_last_30_days": {
      "columns": [
        "ts",
        "channel",
        "device",
        "ip",
        "network",
        "auth"
      ],
      "rows": [
        [
          "2026-09-06T16:36:51-04:00",
          "Online banking",
          "Windows PC, Chrome",
          "198.51.100.73",
          "Residential cable ISP, Kettering OH",
          "Password"
        ],
        [
          "2026-09-09T15:05:02-04:00",
          "Mobile app",
          "iPhone 12 (enrolled 2024-01-08)",
          "198.51.100.73",
          "Residential cable ISP, Kettering OH",
          "Face ID"
        ],
        [
          "2026-09-09T15:57:47-04:00",
          "Mobile app",
          "iPhone 12 (enrolled 2024-01-08)",
          "198.51.100.73",
          "Residential cable ISP, Kettering OH",
          "Face ID"
        ],
        [
          "2026-09-10T11:34:38-04:00",
          "Mobile app",
          "iPhone 12 (enrolled 2024-01-08)",
          "198.51.100.73",
          "Residential cable ISP, Kettering OH",
          "Face ID"
        ],
        [
          "2026-09-10T13:29:46-04:00",
          "Mobile app",
          "iPhone 12 (enrolled 2024-01-08)",
          "198.51.100.73",
          "Residential cable ISP, Kettering OH",
          "Face ID"
        ],
        [
          "2026-09-11T17:14:24-04:00",
          "Mobile app",
          "iPhone 12 (enrolled 2024-01-08)",
          "198.51.100.73",
          "Residential cable ISP, Kettering OH",
          "Face ID"
        ],
        [
          "2026-09-11T20:48:02-04:00",
          "Mobile app",
          "iPhone 12 (enrolled 2024-01-08)",
          "192.0.2.144",
          "Mobile carrier network, Dayton OH area",
          "Face ID"
        ],
        [
          "2026-09-13T17:55:48-04:00",
          "Mobile app",
          "iPhone 12 (enrolled 2024-01-08)",
          "198.51.100.73",
          "Residential cable ISP, Kettering OH",
          "Face ID"
        ],
        [
          "2026-09-13T20:56:58-04:00",
          "Mobile app",
          "iPhone 12 (enrolled 2024-01-08)",
          "198.51.100.73",
          "Residential cable ISP, Kettering OH",
          "Face ID"
        ],
        [
          "2026-09-14T08:35:04-04:00",
          "Mobile app",
          "iPhone 12 (enrolled 2024-01-08)",
          "198.51.100.73",
          "Residential cable ISP, Kettering OH",
          "Face ID"
        ],
        [
          "2026-09-14T18:28:22-04:00",
          "Mobile app",
          "iPhone 12 (enrolled 2024-01-08)",
          "192.0.2.144",
          "Mobile carrier network, Dayton OH area",
          "Face ID"
        ],
        [
          "2026-09-14T18:28:45-04:00",
          "Mobile app",
          "iPhone 12 (enrolled 2024-01-08)",
          "198.51.100.73",
          "Residential cable ISP, Kettering OH",
          "Face ID"
        ],
        [
          "2026-09-15T18:41:50-04:00",
          "Mobile app",
          "iPhone 12 (enrolled 2024-01-08)",
          "198.51.100.73",
          "Residential cable ISP, Kettering OH",
          "Face ID"
        ],
        [
          "2026-09-16T08:17:56-04:00",
          "Mobile app",
          "iPhone 12 (enrolled 2024-01-08)",
          "198.51.100.73",
          "Residential cable ISP, Kettering OH",
          "Face ID"
        ],
        [
          "2026-09-18T15:47:33-04:00",
          "Mobile app",
          "iPhone 12 (enrolled 2024-01-08)",
          "192.0.2.144",
          "Mobile carrier network, Dayton OH area",
          "Face ID"
        ],
        [
          "2026-09-20T08:24:40-04:00",
          "Mobile app",
          "iPhone 12 (enrolled 2024-01-08)",
          "192.0.2.144",
          "Mobile carrier network, Dayton OH area",
          "Face ID"
        ],
        [
          "2026-09-21T20:47:07-04:00",
          "Mobile app",
          "iPhone 12 (enrolled 2024-01-08)",
          "198.51.100.73",
          "Residential cable ISP, Kettering OH",
          "Face ID"
        ],
        [
          "2026-09-22T12:40:30-04:00",
          "Online banking",
          "Windows PC, Chrome",
          "198.51.100.73",
          "Residential cable ISP, Kettering OH",
          "Password"
        ],
        [
          "2026-09-22T21:55:46-04:00",
          "Mobile app",
          "iPhone 12 (enrolled 2024-01-08)",
          "192.0.2.144",
          "Mobile carrier network, Dayton OH area",
          "Face ID"
        ],
        [
          "2026-09-23T09:12:12-04:00",
          "Mobile app",
          "iPhone 12 (enrolled 2024-01-08)",
          "198.51.100.73",
          "Residential cable ISP, Kettering OH",
          "Face ID"
        ],
        [
          "2026-09-23T21:32:19-04:00",
          "Mobile app",
          "iPhone 12 (enrolled 2024-01-08)",
          "198.51.100.73",
          "Residential cable ISP, Kettering OH",
          "Face ID"
        ],
        [
          "2026-09-26T09:35:09-04:00",
          "Mobile app",
          "iPhone 12 (enrolled 2024-01-08)",
          "192.0.2.144",
          "Mobile carrier network, Dayton OH area",
          "Face ID"
        ],
        [
          "2026-09-27T17:22:34-04:00",
          "Mobile app",
          "iPhone 12 (enrolled 2024-01-08)",
          "198.51.100.73",
          "Residential cable ISP, Kettering OH",
          "Face ID"
        ],
        [
          "2026-09-30T11:34:32-04:00",
          "Mobile app",
          "iPhone 12 (enrolled 2024-01-08)",
          "198.51.100.73",
          "Residential cable ISP, Kettering OH",
          "Face ID"
        ],
        [
          "2026-09-30T18:00:50-04:00",
          "Mobile app",
          "iPhone 12 (enrolled 2024-01-08)",
          "198.51.100.73",
          "Residential cable ISP, Kettering OH",
          "Face ID"
        ],
        [
          "2026-10-02T10:40:54-04:00",
          "Mobile app",
          "iPhone 12 (enrolled 2024-01-08)",
          "198.51.100.73",
          "Residential cable ISP, Kettering OH",
          "Face ID"
        ],
        [
          "2026-10-02T18:51:23-04:00",
          "Mobile app",
          "iPhone 12 (enrolled 2024-01-08)",
          "192.0.2.144",
          "Mobile carrier network, Dayton OH area",
          "Face ID"
        ],
        [
          "2026-10-03T16:19:14-04:00",
          "Mobile app",
          "iPhone 12 (enrolled 2024-01-08)",
          "198.51.100.73",
          "Residential cable ISP, Kettering OH",
          "Face ID"
        ],
        [
          "2026-10-03T23:09:08-04:00",
          "Online banking",
          "Windows PC, Chrome",
          "198.51.100.73",
          "Residential cable ISP, Kettering OH",
          "Password"
        ],
        [
          "2026-10-05T11:38:19-04:00",
          "Mobile app",
          "iPhone 12 (enrolled 2024-01-08)",
          "198.51.100.73",
          "Residential cable ISP, Kettering OH",
          "Face ID"
        ],
        [
          "2026-10-05T11:39:54-04:00",
          "Mobile app",
          "iPhone 12 (enrolled 2024-01-08)",
          "198.51.100.73",
          "Residential cable ISP, Kettering OH",
          "Face ID"
        ],
        [
          "2026-10-05T19:09:58-04:00",
          "Mobile app",
          "iPhone 12 (enrolled 2024-01-08)",
          "198.51.100.73",
          "Residential cable ISP, Kettering OH",
          "Face ID"
        ],
        [
          "2026-10-06T08:29:40-04:00",
          "Mobile app",
          "iPhone 12 (enrolled 2024-01-08)",
          "198.51.100.73",
          "Residential cable ISP, Kettering OH",
          "Face ID"
        ]
      ]
    },
    "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,
          4234.78,
          45,
          3006.99,
          0,
          0,
          434.72,
          2127.79
        ],
        [
          "2025-11",
          3,
          3048.56,
          43,
          3485.44,
          0,
          0,
          291.01,
          1690.91
        ],
        [
          "2025-12",
          6,
          3276.7,
          38,
          3132.38,
          1,
          0,
          399.93,
          1835.23
        ],
        [
          "2026-01",
          3,
          2439.54,
          39,
          2951.71,
          0,
          0,
          525.34,
          1323.06
        ],
        [
          "2026-02",
          3,
          2946.38,
          30,
          2601.47,
          0,
          0,
          198.07,
          1667.97
        ],
        [
          "2026-03",
          3,
          2399.93,
          37,
          2595.56,
          0,
          0,
          464.7,
          1472.34
        ],
        [
          "2026-04",
          7,
          3934.68,
          38,
          4445.99,
          0,
          0,
          427.34,
          961.03
        ],
        [
          "2026-05",
          6,
          4647.71,
          40,
          3442.45,
          1,
          0,
          749.24,
          2166.29
        ]
      ]
    },
    "checking_transactions_since_2026_06_01": {
      "columns": [
        "posted_at",
        "type",
        "description",
        "amount_usd",
        "balance_usd"
      ],
      "rows": [
        [
          "2026-06-01T07:02:00-04:00",
          "ACH debit",
          "BRIARLEIGH TERRACE RENT WEB PMT",
          -1045,
          1121.29
        ],
        [
          "2026-06-01T14:17:47-04:00",
          "Debit card",
          "CHIPOTLE 1820 DAYTON OH",
          -14.84,
          1106.45
        ],
        [
          "2026-06-02T08:11:52-04:00",
          "Debit card",
          "WALMART SC #2124 BEAVERCREEK OH",
          -64.17,
          1042.28
        ],
        [
          "2026-06-02T22:16:55-04:00",
          "Debit card",
          "WENDYS #3112 KETTERING OH",
          -10.18,
          1032.1
        ],
        [
          "2026-06-03T07:02:00-04:00",
          "Debit card",
          "SPECTRUM.COM STAMFORD CT",
          -79.99,
          952.11
        ],
        [
          "2026-06-03T13:21:21-04:00",
          "Debit card",
          "GAMESTOP #4221 DAYTON OH",
          -28.32,
          923.79
        ],
        [
          "2026-06-03T14:22:09-04:00",
          "Debit card refund",
          "DOORDASH*WINGSTOP SAN FRANCISCO CA (DISPUTE CREDIT)",
          23.18,
          946.97
        ],
        [
          "2026-06-03T14:49:26-04:00",
          "Debit card",
          "WENDYS #3112 KETTERING OH",
          -9.64,
          937.33
        ],
        [
          "2026-06-05T19:51:25-04:00",
          "Debit card",
          "CHIPOTLE 1820 DAYTON OH",
          -17.01,
          920.32
        ],
        [
          "2026-06-07T13:57:06-04:00",
          "Debit card",
          "WENDYS #3112 KETTERING OH",
          -12.24,
          908.08
        ],
        [
          "2026-06-08T19:00:33-04:00",
          "Debit card",
          "WENDYS #3112 KETTERING OH",
          -9.35,
          898.73
        ],
        [
          "2026-06-09T15:42:21-04:00",
          "Debit card",
          "SPEEDWAY 09412 KETTERING OH",
          -21.58,
          877.15
        ],
        [
          "2026-06-10T16:01:23-04:00",
          "Debit card",
          "KROGER #0947 KETTERING OH",
          -36.1,
          841.05
        ],
        [
          "2026-06-10T20:23:10-04:00",
          "Debit card",
          "SHEETZ 0612 DAYTON OH",
          -23.3,
          817.75
        ],
        [
          "2026-06-10T23:29:05-04:00",
          "P2P out",
          "ZELLE TO KAYLA BROOKS",
          -39.5,
          778.25
        ],
        [
          "2026-06-11T06:09:00-04:00",
          "Debit card",
          "NETFLIX.COM LOS GATOS CA",
          -15.49,
          762.76
        ],
        [
          "2026-06-11T08:54:28-04:00",
          "Debit card",
          "CHIPOTLE 1820 DAYTON OH",
          -13.41,
          749.35
        ],
        [
          "2026-06-12T06:00:48-04:00",
          "ACH credit",
          "KESTREL FULFILLMENT PAYROLL PPD",
          1179.58,
          1928.93
        ],
        [
          "2026-06-12T08:23:00-04:00",
          "ACH debit",
          "VALLEYSTAR AUTO FIN PMT",
          -318.44,
          1610.49
        ],
        [
          "2026-06-12T09:00:34-04:00",
          "Transfer",
          "TRANSFER TO SAVINGS x4470",
          -50,
          1560.49
        ],
        [
          "2026-06-12T10:21:00-04:00",
          "Debit card",
          "DUNKIN #348221 KETTERING OH",
          -4.9,
          1555.59
        ],
        [
          "2026-06-14T19:26:49-04:00",
          "Debit card",
          "MARATHON PETRO168220 DAYTON OH",
          -27.24,
          1528.35
        ],
        [
          "2026-06-15T08:29:26-04:00",
          "Debit card",
          "SHEETZ 0612 DAYTON OH",
          -39.28,
          1489.07
        ],
        [
          "2026-06-16T08:27:52-04:00",
          "Debit card",
          "MEIJER #194 DAYTON OH",
          -64.89,
          1424.18
        ],
        [
          "2026-06-17T05:30:00-04:00",
          "Debit card",
          "PLANET FITNESS CLUB FEES",
          -24.99,
          1399.19
        ],
        [
          "2026-06-17T07:35:00-04:00",
          "ACH debit",
          "T-MOBILE AUTOPAY",
          -85,
          1314.19
        ],
        [
          "2026-06-19T09:53:00-04:00",
          "Debit card",
          "SPOTIFY USA NEW YORK NY",
          -11.99,
          1302.2
        ],
        [
          "2026-06-21T09:14:15-04:00",
          "Debit card",
          "KROGER #0947 KETTERING OH",
          -43.18,
          1259.02
        ],
        [
          "2026-06-22T08:12:00-04:00",
          "ACH debit",
          "AES OHIO BILL PAY",
          -124.29,
          1134.73
        ],
        [
          "2026-06-22T08:37:00-04:00",
          "ACH debit",
          "PROGRESSIVE INS PREM",
          -142.18,
          992.55
        ],
        [
          "2026-06-22T14:40:40-04:00",
          "Debit card",
          "CIRCLE K 05487 DAYTON OH",
          -29.13,
          963.42
        ],
        [
          "2026-06-23T15:33:30-04:00",
          "Debit card",
          "WALMART SC #2124 BEAVERCREEK OH",
          -43.8,
          919.62
        ],
        [
          "2026-06-24T07:49:00-04:00",
          "ACH debit",
          "CENTERPOINT ENERGY OHIO",
          -31.62,
          888
        ],
        [
          "2026-06-24T15:08:31-04:00",
          "Debit card",
          "WALMART SC #2124 BEAVERCREEK OH",
          -32.78,
          855.22
        ],
        [
          "2026-06-26T06:00:33-04:00",
          "ACH credit",
          "KESTREL FULFILLMENT PAYROLL PPD",
          1229.07,
          2084.29
        ],
        [
          "2026-06-26T09:00:04-04:00",
          "Transfer",
          "TRANSFER TO SAVINGS x4470",
          -50,
          2034.29
        ],
        [
          "2026-06-27T08:26:00-04:00",
          "Debit card",
          "MICROSOFT*XBOX GAME PASS MSBILL.INFO WA",
          -16.99,
          2017.3
        ],
        [
          "2026-06-27T10:44:51-04:00",
          "Debit card",
          "AMAZON.COM*4N2YMJO5F AMZN.COM/BILL WA",
          -16.77,
          2000.53
        ],
        [
          "2026-06-29T08:49:57-04:00",
          "Debit card",
          "TARGET 00021455 BEAVERCREEK OH",
          -48.3,
          1952.23
        ],
        [
          "2026-07-01T07:02:00-04:00",
          "ACH debit",
          "BRIARLEIGH TERRACE RENT WEB PMT",
          -1045,
          907.23
        ],
        [
          "2026-07-01T11:42:36-04:00",
          "Debit card",
          "TACO BELL #031244 DAYTON OH",
          -9.84,
          897.39
        ],
        [
          "2026-07-02T14:42:40-04:00",
          "Debit card",
          "MARATHON PETRO168220 DAYTON OH",
          -25.27,
          872.12
        ],
        [
          "2026-07-03T06:46:00-04:00",
          "Debit card",
          "SPECTRUM.COM STAMFORD CT",
          -79.99,
          792.13
        ],
        [
          "2026-07-03T18:48:50-04:00",
          "Debit card",
          "WALMART SC #2124 BEAVERCREEK OH",
          -48.13,
          744
        ],
        [
          "2026-07-04T20:42:36-04:00",
          "Debit card",
          "ALDI 73021 KETTERING OH",
          -29.68,
          714.32
        ],
        [
          "2026-07-06T18:47:41-04:00",
          "Debit card",
          "TACO BELL #031244 DAYTON OH",
          -8.12,
          706.2
        ],
        [
          "2026-07-09T22:20:37-04:00",
          "Debit card",
          "MARATHON PETRO168220 DAYTON OH",
          -28.97,
          677.23
        ],
        [
          "2026-07-10T06:00:08-04:00",
          "ACH credit",
          "KESTREL FULFILLMENT PAYROLL PPD",
          1200.03,
          1877.26
        ],
        [
          "2026-07-10T09:00:11-04:00",
          "Transfer",
          "TRANSFER TO SAVINGS x4470",
          -50,
          1827.26
        ],
        [
          "2026-07-10T19:38:31-04:00",
          "ATM withdrawal",
          "ATM W/D OUR BRANCH 12 KETTERING OH",
          -65.25,
          1762.01
        ],
        [
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          "MEIJER #194 DAYTON OH",
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          1650.7
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          "ACH debit",
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          "Debit card",
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        ],
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          "MARATHON PETRO168220 DAYTON OH",
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        ],
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          "Debit card",
          "TARGET 00021455 BEAVERCREEK OH",
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          1177.84
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          "PLANET FITNESS CLUB FEES",
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          1152.85
        ],
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          "ACH debit",
          "T-MOBILE AUTOPAY",
          -85,
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        ],
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          "AMAZON MKTPL*G5GL396G7 AMZN.COM/BILL WA",
          -38.65,
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        ],
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          "P2P in",
          "ZELLE FROM TASHA PRUITT",
          34.26,
          1063.46
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          "Debit card",
          "SPOTIFY USA NEW YORK NY",
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          "ACH debit",
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          909.29
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          876.34
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          "GREAT CLIPS #0391 KETTERING OH",
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          855.77
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          "ACH debit",
          "AES OHIO BILL PAY",
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          725.64
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          684.17
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          "ACH debit",
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          357.3
        ],
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          "Debit card",
          "DOLLAR GENERAL #11236 DAYTON OH",
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          343.44
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          "ACH credit",
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          1187.16,
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          "Transfer",
          "TRANSFER TO SAVINGS x4470",
          -50,
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          "Debit card",
          "WENDYS #3112 KETTERING OH",
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          "Debit card",
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          "Debit card",
          "TACO BELL #031244 DAYTON OH",
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        ],
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          "SPEEDWAY 09412 KETTERING OH",
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          "Debit card",
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          "ACH debit",
          "T-MOBILE AUTOPAY",
          -85,
          829.59
        ],
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          "Debit card",
          "PLANET FITNESS CLUB FEES",
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          804.6
        ],
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          "Debit card",
          "MARATHON PETRO168220 DAYTON OH",
          -24.14,
          780.46
        ],
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          "P2P in",
          "ZELLE FROM DARNELL WEBB",
          18.71,
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        ],
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          "Debit card",
          "WALMART SC #2124 BEAVERCREEK OH",
          -87.88,
          711.29
        ],
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          "Debit card",
          "DOORDASH*CHIPOTLE SAN FRANCISCO CA",
          -26.56,
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        ],
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          "SPOTIFY USA NEW YORK NY",
          -11.99,
          672.74
        ],
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          "ACH debit",
          "PROGRESSIVE INS PREM",
          -142.18,
          530.56
        ],
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          "Debit card",
          "KROGER #0947 KETTERING OH",
          -42,
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          "ACH credit",
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          1181.99,
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          "Transfer",
          "TRANSFER TO SAVINGS x4470",
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        ],
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          "Debit card",
          "STARBUCKS STORE 14882 DAYTON OH",
          -8.05,
          1612.5
        ],
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          "ACH debit",
          "CENTERPOINT ENERGY OHIO",
          -35.2,
          1577.3
        ],
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          "ACH debit",
          "AES OHIO BILL PAY",
          -148.02,
          1429.28
        ],
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          "Debit card",
          "MICROSOFT*XBOX GAME PASS MSBILL.INFO WA",
          -16.99,
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        ],
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          "ACH credit",
          "KESTREL FULFILLMENT PAYROLL PPD",
          1402.77,
          2815.06
        ],
        [
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          "Debit card",
          "SKYLINE CHILI #84 DAYTON OH",
          -20.51,
          2794.55
        ],
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          "2026-08-29T12:41:29-04:00",
          "Debit card",
          "SKYLINE CHILI #84 DAYTON OH",
          -13.72,
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        ],
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          "2026-08-30T13:18:30-04:00",
          "Debit card",
          "DOLLAR GENERAL #11236 DAYTON OH",
          -13.92,
          2766.91
        ],
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          "2026-08-31T11:14:30-04:00",
          "Debit card",
          "ALDI 73021 KETTERING OH",
          -71.63,
          2695.28
        ],
        [
          "2026-09-01T07:02:00-04:00",
          "ACH debit",
          "BRIARLEIGH TERRACE RENT WEB PMT",
          -1045,
          1650.28
        ],
        [
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          "Debit card",
          "WENDYS #3112 KETTERING OH",
          -11.17,
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        ],
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          "Debit card",
          "SPECTRUM.COM STAMFORD CT",
          -79.99,
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        ],
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          "Debit card",
          "DUNKIN #348221 KETTERING OH",
          -8.59,
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        ],
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          "Debit card",
          "ALDI 73021 KETTERING OH",
          -34.14,
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        ],
        [
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          "ACH credit",
          "STATE OF OHIO UI BENEFIT",
          824,
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        ],
        [
          "2026-09-11T08:45:00-04:00",
          "Debit card",
          "NETFLIX.COM LOS GATOS CA",
          -15.49,
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        ],
        [
          "2026-09-12T08:14:14-04:00",
          "Debit card",
          "DUNKIN #348221 KETTERING OH",
          -6.39,
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        ],
        [
          "2026-09-12T16:35:52-04:00",
          "Debit card",
          "AMAZON MKTPL*INN1LMVBM AMZN.COM/BILL WA",
          -64.41,
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        ],
        [
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          "ACH debit",
          "VALLEYSTAR AUTO FIN PMT",
          -318.44,
          1935.66
        ],
        [
          "2026-09-14T10:51:07-04:00",
          "Debit card",
          "TACO BELL #031244 DAYTON OH",
          -8.95,
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        ],
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          "2026-09-14T15:28:06-04:00",
          "Debit card",
          "MARATHON PETRO168220 DAYTON OH",
          -40.74,
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        ],
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          "Debit card",
          "LITTLE CAESARS 1223 KETTERING OH",
          -9.84,
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        ],
        [
          "2026-09-16T08:10:19-04:00",
          "Debit card",
          "DUNKIN #348221 KETTERING OH",
          -7.89,
          1868.24
        ],
        [
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          "ACH debit",
          "T-MOBILE AUTOPAY",
          -85,
          1783.24
        ],
        [
          "2026-09-19T09:31:00-04:00",
          "Debit card",
          "SPOTIFY USA NEW YORK NY",
          -11.99,
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        ],
        [
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          "Debit card",
          "STARBUCKS STORE 14882 DAYTON OH",
          -8.4,
          1762.85
        ],
        [
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          "ACH debit",
          "PROGRESSIVE INS PREM",
          -142.18,
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        ],
        [
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          "P2P in",
          "ZELLE FROM DARNELL WEBB",
          34.26,
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        ],
        [
          "2026-09-22T06:52:00-04:00",
          "ACH debit",
          "AES OHIO BILL PAY",
          -101.72,
          1553.21
        ],
        [
          "2026-09-23T06:01:12-04:00",
          "ACH credit",
          "STATE OF OHIO UI BENEFIT",
          824,
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        ],
        [
          "2026-09-23T13:16:40-04:00",
          "ATM withdrawal",
          "ATM W/D OUR BRANCH 12 KETTERING OH",
          -47.81,
          2329.4
        ],
        [
          "2026-09-24T07:49:00-04:00",
          "ACH debit",
          "CENTERPOINT ENERGY OHIO",
          -31.53,
          2297.87
        ],
        [
          "2026-09-24T10:45:06-04:00",
          "Debit card",
          "AUTOZONE #4512 DAYTON OH",
          -22.24,
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        ],
        [
          "2026-09-25T11:14:05-04:00",
          "Debit card",
          "FEDEX OFFIC52210000522 DAYTON OH",
          -6.4,
          2269.23
        ],
        [
          "2026-09-25T14:57:37-04:00",
          "Debit card",
          "TACO BELL #031244 DAYTON OH",
          -10.59,
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        ],
        [
          "2026-09-25T18:17:17-04:00",
          "Debit card",
          "DOLLAR GENERAL #11236 DAYTON OH",
          -19.91,
          2238.73
        ],
        [
          "2026-09-27T08:11:00-04:00",
          "Debit card",
          "MICROSOFT*XBOX GAME PASS MSBILL.INFO WA",
          -16.99,
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        ],
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          "2026-09-27T09:25:41-04:00",
          "Debit card",
          "MEIJER #194 DAYTON OH",
          -123.66,
          2098.08
        ],
        [
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          "P2P out",
          "ZELLE TO DARNELL WEBB",
          -25.31,
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        ],
        [
          "2026-09-30T18:34:33-04:00",
          "Debit card",
          "ALDI 73021 KETTERING OH",
          -57.92,
          2014.85
        ],
        [
          "2026-10-01T07:02:00-04:00",
          "ACH debit",
          "BRIARLEIGH TERRACE RENT WEB PMT",
          -1045,
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        ],
        [
          "2026-10-03T07:19:00-04:00",
          "Debit card",
          "SPECTRUM.COM STAMFORD CT",
          -79.99,
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        ],
        [
          "2026-10-03T08:54:26-04:00",
          "Debit card",
          "STARBUCKS STORE 14882 DAYTON OH",
          -7.34,
          882.52
        ],
        [
          "2026-10-05T19:35:08-04:00",
          "P2P out",
          "ZELLE TO MARCUS HALE",
          -500,
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        ]
      ]
    },
    "check_deposits_last_24_months": {
      "columns": [
        "deposited_on",
        "channel",
        "maker",
        "maker_type",
        "serial",
        "amount_usd",
        "result",
        "return_reason"
      ],
      "rows": [
        [
          "2024-12-21",
          "Mobile",
          "Carol J. Pruitt",
          "Personal",
          "2231",
          150,
          "Paid",
          null
        ],
        [
          "2025-06-09",
          "Branch",
          "Carol J. Pruitt",
          "Personal",
          "2287",
          200,
          "Paid",
          null
        ],
        [
          "2025-08-15",
          "Mobile",
          "Kestrel Fulfillment LLC (employer)",
          "Business",
          "51877",
          86.5,
          "Paid",
          null
        ],
        [
          "2025-12-20",
          "Mobile",
          "Carol J. Pruitt",
          "Personal",
          "2340",
          150,
          "Paid",
          null
        ],
        [
          "2026-05-30",
          "Mobile",
          "Darnell Webb",
          "Personal",
          "1129",
          260,
          "Paid",
          null
        ]
      ]
    },
    "deposit_session": {
      "submitted_at": "2026-10-05T19:12:44-04:00",
      "business_day_of_deposit": "2026-10-06 (submitted after the 6:00 p.m. ET cutoff)",
      "device": "iPhone 12 (enrolled 2024-01-08), our app 8.3.1; not jailbroken; no emulator; no screen-sharing or remote-access app active",
      "ip": "198.51.100.73",
      "network": "Residential cable ISP, Kettering OH (same as most logins in the last 90 days)",
      "login_auth": "Face ID",
      "time_in_deposit_flow": "2 min 51 s",
      "capture": "Front: auto-capture, 1 attempt. Back: 2 attempts (first rejected by the app: endorsement not detected).",
      "amount_keyed_by_member_usd": 4860,
      "scam_warning": "Shown at 19:11:58 because this is the member's first check from the maker and over $2,500 ('Did someone you met online or a new employer send you this check? Scammers send fake checks and ask you to send money back.'); member tapped Continue after 4 seconds",
      "member_answers": {
        "What is this check for?": "Refund or reimbursement",
        "Has anyone asked you to send part of this money to someone else?": "No"
      }
    },
    "after_the_deposit": [
      {
        "ts": "2026-10-05T19:20:13-04:00",
        "event": "P2P recipient added",
        "detail": "Marcus Hale, by mobile number 555-0187, enrolled at another institution; first payment to this recipient from any of our members"
      },
      {
        "ts": "2026-10-05T19:24:40-04:00",
        "event": "P2P send attempt",
        "detail": "$2,450.00 to Marcus Hale: declined, insufficient available funds (available $882.52; deposit pending review)"
      },
      {
        "ts": "2026-10-05T19:27:02-04:00",
        "event": "P2P send attempt",
        "detail": "$2,450.00 to Marcus Hale: declined, insufficient available funds"
      },
      {
        "ts": "2026-10-05T19:29:15-04:00",
        "event": "Secure message from member",
        "detail": "Hi, I deposited a check from my new job tonight. They need me to buy my work laptop and software from their vendor by tomorrow morning. Can the money be available tonight or first thing tomorrow?"
      },
      {
        "ts": "2026-10-05T19:35:08-04:00",
        "event": "P2P send",
        "detail": "$500.00 to Marcus Hale: completed"
      },
      {
        "ts": "2026-10-06T08:04:31-04:00",
        "event": "Inbound call (contact center note)",
        "detail": "Member asked when the 10/5 mobile deposit will be available and asked to raise his P2P limit to $5,000. Said the check is from his new remote employer, Pellmont Clinical Staffing, for home-office equipment he must buy from the company's approved vendor, and that he was hired last week after an interview by text chat. Told him the deposit is in review and the limit can't be changed today. Member said the company's onboarding coordinator is waiting for the payment."
      },
      {
        "ts": "2026-10-06T08:47:19-04:00",
        "event": "P2P send attempt",
        "detail": "$1,950.00 to Marcus Hale: declined, insufficient available funds"
      }
    ],
    "balances_now": {
      "ledger_balance_usd": 382.52,
      "available_balance_usd": 382.52,
      "deposit_under_review_usd": 4860
    },
    "review_alert": {
      "queue": "Deposit review: mobile check deposits held for an analyst before acceptance",
      "queued_at": "2026-10-05T19:12:53-04:00",
      "rules_fired": [
        "R-112 First check from this maker for this member, over $2,500",
        "R-131 Amount over 3x the member's 12-month average check deposit ($205.00)",
        "R-140 New P2P recipient added within 24 hours of the deposit",
        "R-142 P2P send attempted to that recipient within 24 hours of the deposit"
      ],
      "vendor_deposit_risk_score": {
        "score": 938,
        "range": "0-999, higher is riskier",
        "reasons": [
          "Serial number outside the maker's recent range",
          "No security features detected",
          "First item from this maker for this depositor",
          "Amount far above the depositor's check history"
        ]
      },
      "exposure": {
        "deposit_usd": 4860,
        "member_funds_available_usd": 1032.52,
        "uncovered_if_returned_usd": 3827.48,
        "basis": "Available checking plus savings balances"
      },
      "decision_requested_at": "2026-10-06T09:20:00-04:00"
    },
    "item_under_review": {
      "deposit_id": "MD-20261005-118342",
      "channel": "Mobile app",
      "amount_usd": 4860,
      "courtesy_amount_read": 4860,
      "legal_amount_read": "Four thousand eight hundred sixty and 00/100",
      "check_type": "Business check",
      "maker_name_printed": "PELLMONT CLINICAL STAFFING LLC",
      "maker_address_printed": "Suite address in Plano, TX; phone 555-0119",
      "paying_bank": "A national bank in Texas (routing xxxxx2187)",
      "micr": {
        "routing": "xxxxx2187",
        "account": "x6604",
        "serial": "1206",
        "serial_field": "On-us field (personal-check layout); no auxiliary on-us field"
      },
      "check_number_printed": "1206",
      "check_date": "2026-10-01",
      "payee": "JORDAN PRUITT",
      "memo": "Home office equipment",
      "signature": "One signature, uniform printed-style strokes",
      "endorsement": "Member's signature and 'For mobile deposit only' with our institution's name, as required",
      "image_quality": {
        "front": "Pass",
        "back": "Pass (second attempt)"
      },
      "image_analysis": {
        "courtesy_and_legal_amounts_agree": true,
        "signs_of_alteration": "None detected (fonts and ink consistent across payee, amount and date)",
        "security_features": "None detected: no padlock icon or security-feature legend, no microprint signature line, no void pantograph",
        "check_stock_comparison": "Not available: the paying bank does not contribute check images to the comparison service"
      },
      "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 30412 to 30977",
        "account_owner_name_match": "Not available: paying bank does not contribute owner names",
        "issued_item_data": "Not available for this account",
        "network_activity_last_30_days": "57 items from this account presented at 21 institutions; none returned",
        "paid_item_status": "No paid record for serial 1206"
      },
      "maker_history": {
        "this_member": "No earlier checks from this maker",
        "our_institution": "No items from this maker account deposited by any member in 24 months"
      }
    },
    "funds_availability_if_accepted": "Per the mobile deposit agreement: $275 on the next business day after the business day of deposit, 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"
      }
    }
  }
}