{
  "model": "grayson-1",
  "state": {
    "account_holder": {
      "name": "Lena M. Marchetti",
      "age": 38,
      "member_since": "2017-05-22",
      "address": "Columbus, OH; owns home, same address since 2019",
      "occupation_on_file": "Self-employed graphic designer; DBA 'Marchetti Studio' on file since 2019-02-11 (certificate of trade name provided)",
      "phone_on_file": "555-0163, since 2017-05-22",
      "email_on_file": "lena@marchetti-studio.example.com, since 2019-02-11",
      "identity_verified_at_opening": "In branch, driver license",
      "prior_fraud_or_scam_reports": "None"
    },
    "accounts_and_limits": {
      "checking": "x8812, opened 2017-05-22; accepts items payable to the DBA",
      "savings": "x8810, balance $27,400.00",
      "credit_card": "Visa x5531 with us, paid from checking",
      "debit_card": "x0937",
      "mobile_deposit_limits": "$10,000 per business day; $25,000 per rolling 30 days (raised 2021-04 for business-check volume)",
      "mobile_deposit_enrolled": "2017-06-01",
      "p2p_limit": "$2,500 per day",
      "external_accounts_linked": [
        "Brokerage (SEP-IRA) at Fidelity, linked 2019-04-08"
      ],
      "overdraft_coverage": "Linked to savings x8810"
    },
    "account_changes_last_12_months": [
      {
        "ts": "2026-09-21T15:38:12-04:00",
        "change": "New device enrolled in the mobile app (iPhone 17) with password and SMS code to the phone on file; iPhone 12 Pro not seen since 2026-09-21"
      }
    ],
    "contact_history_before_deposit": [
      {
        "ts": "2026-01-09T11:20:00-05:00",
        "channel": "Phone",
        "summary": "Member asked for her 2025 interest statement (1099-INT); sent by secure message."
      },
      {
        "ts": "2026-09-21T16:02:00-04:00",
        "channel": "Secure message",
        "summary": "Member: 'Got a new phone today. Is there anything I need to do for Face ID on the new device?' Agent sent the setup steps."
      }
    ],
    "devices": [
      {
        "device": "iPhone 17",
        "first_seen": "2026-09-21",
        "enrolled_by": "Password + SMS code to phone on file",
        "last_seen": "2026-10-06T08:52:18-04:00"
      },
      {
        "device": "iPhone 12 Pro",
        "first_seen": "2021-10-02",
        "enrolled_by": "SMS code to phone on file",
        "last_seen": "2026-09-21"
      },
      {
        "device": "MacBook, Safari (online banking)",
        "first_seen": "2020-07-14",
        "enrolled_by": "SMS code to phone on file"
      }
    ],
    "logins_last_90_days_summary": {
      "columns": [
        "channel",
        "device",
        "network",
        "logins",
        "first_in_window",
        "last"
      ],
      "rows": [
        [
          "Online banking",
          "MacBook, Safari",
          "Residential fiber ISP, Columbus OH",
          69,
          "2026-07-08T09:44:01-04:00",
          "2026-10-03T12:43:11-04:00"
        ],
        [
          "Mobile app",
          "iPhone 12 Pro (enrolled 2021-10-02)",
          "Residential fiber ISP, Columbus OH",
          55,
          "2026-07-08T17:25:50-04:00",
          "2026-09-19T22:23:49-04:00"
        ],
        [
          "Mobile app",
          "iPhone 12 Pro (enrolled 2021-10-02)",
          "Mobile carrier network, Columbus OH area",
          20,
          "2026-07-11T18:44:35-04:00",
          "2026-09-19T11:43:13-04:00"
        ],
        [
          "Mobile app",
          "iPhone 17 (enrolled 2026-09-21)",
          "Residential fiber ISP, Columbus OH",
          9,
          "2026-09-21T09:06:14-04:00",
          "2026-10-02T19:34:48-04:00"
        ],
        [
          "Mobile app",
          "iPhone 17 (enrolled 2026-09-21)",
          "Mobile carrier network, Columbus OH area",
          6,
          "2026-09-22T21:09:02-04:00",
          "2026-10-02T09:39:44-04:00"
        ],
        [
          "Mobile app",
          "iPhone 17 (enrolled 2026-09-21)",
          "Hotel network, Chicago IL",
          5,
          "2026-10-04T08:00:55-04:00",
          "2026-10-06T08:52:18-04:00"
        ],
        [
          "Mobile app",
          "iPhone 17 (enrolled 2026-09-21)",
          "Mobile carrier network, Chicago IL",
          1,
          "2026-10-05T11:56:17-04:00",
          "2026-10-05T11:56:17-04:00"
        ]
      ]
    },
    "logins_last_30_days": {
      "columns": [
        "ts",
        "channel",
        "device",
        "ip",
        "network",
        "auth"
      ],
      "rows": [
        [
          "2026-09-06T11:45:07-04:00",
          "Mobile app",
          "iPhone 12 Pro (enrolled 2021-10-02)",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Face ID"
        ],
        [
          "2026-09-07T23:24:33-04:00",
          "Mobile app",
          "iPhone 12 Pro (enrolled 2021-10-02)",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Face ID"
        ],
        [
          "2026-09-08T18:28:53-04:00",
          "Online banking",
          "MacBook, Safari",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Password"
        ],
        [
          "2026-09-09T17:51:06-04:00",
          "Online banking",
          "MacBook, Safari",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Password"
        ],
        [
          "2026-09-09T22:32:20-04:00",
          "Mobile app",
          "iPhone 12 Pro (enrolled 2021-10-02)",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Face ID"
        ],
        [
          "2026-09-10T16:20:44-04:00",
          "Online banking",
          "MacBook, Safari",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Password"
        ],
        [
          "2026-09-10T22:10:53-04:00",
          "Mobile app",
          "iPhone 12 Pro (enrolled 2021-10-02)",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Face ID"
        ],
        [
          "2026-09-11T07:14:00-04:00",
          "Mobile app",
          "iPhone 12 Pro (enrolled 2021-10-02)",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Face ID"
        ],
        [
          "2026-09-11T23:50:40-04:00",
          "Online banking",
          "MacBook, Safari",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Password"
        ],
        [
          "2026-09-12T21:11:44-04:00",
          "Online banking",
          "MacBook, Safari",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Password"
        ],
        [
          "2026-09-14T12:34:24-04:00",
          "Mobile app",
          "iPhone 12 Pro (enrolled 2021-10-02)",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Face ID"
        ],
        [
          "2026-09-14T15:23:08-04:00",
          "Mobile app",
          "iPhone 12 Pro (enrolled 2021-10-02)",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Face ID"
        ],
        [
          "2026-09-14T19:46:11-04:00",
          "Online banking",
          "MacBook, Safari",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Password"
        ],
        [
          "2026-09-15T08:46:30-04:00",
          "Online banking",
          "MacBook, Safari",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Password"
        ],
        [
          "2026-09-15T12:52:26-04:00",
          "Mobile app",
          "iPhone 12 Pro (enrolled 2021-10-02)",
          "192.0.2.61",
          "Mobile carrier network, Columbus OH area",
          "Face ID"
        ],
        [
          "2026-09-16T10:33:26-04:00",
          "Online banking",
          "MacBook, Safari",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Password"
        ],
        [
          "2026-09-16T19:43:21-04:00",
          "Online banking",
          "MacBook, Safari",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Password"
        ],
        [
          "2026-09-17T07:06:38-04:00",
          "Mobile app",
          "iPhone 12 Pro (enrolled 2021-10-02)",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Face ID"
        ],
        [
          "2026-09-17T14:54:55-04:00",
          "Mobile app",
          "iPhone 12 Pro (enrolled 2021-10-02)",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Face ID"
        ],
        [
          "2026-09-18T07:40:12-04:00",
          "Mobile app",
          "iPhone 12 Pro (enrolled 2021-10-02)",
          "192.0.2.61",
          "Mobile carrier network, Columbus OH area",
          "Face ID"
        ],
        [
          "2026-09-18T13:33:56-04:00",
          "Online banking",
          "MacBook, Safari",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Password"
        ],
        [
          "2026-09-19T11:43:13-04:00",
          "Mobile app",
          "iPhone 12 Pro (enrolled 2021-10-02)",
          "192.0.2.61",
          "Mobile carrier network, Columbus OH area",
          "Face ID"
        ],
        [
          "2026-09-19T22:23:49-04:00",
          "Mobile app",
          "iPhone 12 Pro (enrolled 2021-10-02)",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Face ID"
        ],
        [
          "2026-09-20T20:54:16-04:00",
          "Online banking",
          "MacBook, Safari",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Password"
        ],
        [
          "2026-09-20T21:30:54-04:00",
          "Online banking",
          "MacBook, Safari",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Password"
        ],
        [
          "2026-09-21T09:06:14-04:00",
          "Mobile app",
          "iPhone 17 (enrolled 2026-09-21)",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Face ID"
        ],
        [
          "2026-09-21T15:38:12-04:00",
          "Mobile app",
          "iPhone 17 (enrolled 2026-09-21)",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Password + SMS code to phone on file (new device enrollment)"
        ],
        [
          "2026-09-21T19:58:26-04:00",
          "Online banking",
          "MacBook, Safari",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Password"
        ],
        [
          "2026-09-22T14:48:37-04:00",
          "Mobile app",
          "iPhone 17 (enrolled 2026-09-21)",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Face ID"
        ],
        [
          "2026-09-22T21:09:02-04:00",
          "Mobile app",
          "iPhone 17 (enrolled 2026-09-21)",
          "192.0.2.61",
          "Mobile carrier network, Columbus OH area",
          "Face ID"
        ],
        [
          "2026-09-23T12:57:31-04:00",
          "Online banking",
          "MacBook, Safari",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Password"
        ],
        [
          "2026-09-23T17:00:57-04:00",
          "Mobile app",
          "iPhone 17 (enrolled 2026-09-21)",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Face ID"
        ],
        [
          "2026-09-24T19:56:38-04:00",
          "Mobile app",
          "iPhone 17 (enrolled 2026-09-21)",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Face ID"
        ],
        [
          "2026-09-25T11:02:19-04:00",
          "Online banking",
          "MacBook, Safari",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Password"
        ],
        [
          "2026-09-25T18:51:12-04:00",
          "Mobile app",
          "iPhone 17 (enrolled 2026-09-21)",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Face ID"
        ],
        [
          "2026-09-25T22:44:39-04:00",
          "Online banking",
          "MacBook, Safari",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Password"
        ],
        [
          "2026-09-26T09:42:32-04:00",
          "Mobile app",
          "iPhone 17 (enrolled 2026-09-21)",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Face ID"
        ],
        [
          "2026-09-26T14:00:25-04:00",
          "Mobile app",
          "iPhone 17 (enrolled 2026-09-21)",
          "192.0.2.61",
          "Mobile carrier network, Columbus OH area",
          "Face ID"
        ],
        [
          "2026-09-26T21:28:53-04:00",
          "Online banking",
          "MacBook, Safari",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Password"
        ],
        [
          "2026-09-27T07:00:09-04:00",
          "Online banking",
          "MacBook, Safari",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Password"
        ],
        [
          "2026-09-28T14:26:36-04:00",
          "Mobile app",
          "iPhone 17 (enrolled 2026-09-21)",
          "192.0.2.61",
          "Mobile carrier network, Columbus OH area",
          "Face ID"
        ],
        [
          "2026-09-28T20:49:35-04:00",
          "Online banking",
          "MacBook, Safari",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Password"
        ],
        [
          "2026-09-28T20:53:47-04:00",
          "Mobile app",
          "iPhone 17 (enrolled 2026-09-21)",
          "192.0.2.61",
          "Mobile carrier network, Columbus OH area",
          "Face ID"
        ],
        [
          "2026-09-29T20:12:28-04:00",
          "Online banking",
          "MacBook, Safari",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Password"
        ],
        [
          "2026-09-30T13:18:49-04:00",
          "Mobile app",
          "iPhone 17 (enrolled 2026-09-21)",
          "192.0.2.61",
          "Mobile carrier network, Columbus OH area",
          "Face ID"
        ],
        [
          "2026-09-30T23:29:21-04:00",
          "Online banking",
          "MacBook, Safari",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Password"
        ],
        [
          "2026-10-01T20:05:18-04:00",
          "Mobile app",
          "iPhone 17 (enrolled 2026-09-21)",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Face ID"
        ],
        [
          "2026-10-02T09:39:44-04:00",
          "Mobile app",
          "iPhone 17 (enrolled 2026-09-21)",
          "192.0.2.61",
          "Mobile carrier network, Columbus OH area",
          "Face ID"
        ],
        [
          "2026-10-02T19:34:48-04:00",
          "Mobile app",
          "iPhone 17 (enrolled 2026-09-21)",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Face ID"
        ],
        [
          "2026-10-03T09:52:38-04:00",
          "Online banking",
          "MacBook, Safari",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Password"
        ],
        [
          "2026-10-03T12:43:11-04:00",
          "Online banking",
          "MacBook, Safari",
          "203.0.113.24",
          "Residential fiber ISP, Columbus OH",
          "Password"
        ],
        [
          "2026-10-04T08:00:55-04:00",
          "Mobile app",
          "iPhone 17 (enrolled 2026-09-21)",
          "203.0.113.140",
          "Hotel network, Chicago IL",
          "Face ID"
        ],
        [
          "2026-10-04T21:36:37-04:00",
          "Mobile app",
          "iPhone 17 (enrolled 2026-09-21)",
          "203.0.113.140",
          "Hotel network, Chicago IL",
          "Face ID"
        ],
        [
          "2026-10-05T11:56:17-04:00",
          "Mobile app",
          "iPhone 17 (enrolled 2026-09-21)",
          "192.0.2.88",
          "Mobile carrier network, Chicago IL",
          "Face ID"
        ],
        [
          "2026-10-05T20:44:19-04:00",
          "Mobile app",
          "iPhone 17 (enrolled 2026-09-21)",
          "203.0.113.140",
          "Hotel network, Chicago IL",
          "Face ID"
        ],
        [
          "2026-10-05T22:37:29-04:00",
          "Mobile app",
          "iPhone 17 (enrolled 2026-09-21)",
          "203.0.113.140",
          "Hotel network, Chicago IL",
          "Face ID"
        ],
        [
          "2026-10-06T08:52:18-04:00",
          "Mobile app",
          "iPhone 17 (enrolled 2026-09-21)",
          "203.0.113.140",
          "Hotel network, Chicago IL",
          "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",
          7,
          10596.36,
          36,
          4677.64,
          6,
          0,
          6031.57,
          14118.72
        ],
        [
          "2025-11",
          7,
          6651.11,
          38,
          11123.33,
          4,
          0,
          8918.91,
          9646.5
        ],
        [
          "2025-12",
          6,
          7240.01,
          40,
          4628.03,
          2,
          0,
          7730.57,
          12258.48
        ],
        [
          "2026-01",
          5,
          4043.25,
          45,
          7348.17,
          3,
          0,
          6968.35,
          8953.56
        ],
        [
          "2026-02",
          9,
          9154.28,
          42,
          6134.89,
          5,
          0,
          5850.1,
          11972.95
        ],
        [
          "2026-03",
          12,
          13869.28,
          50,
          10411.09,
          6,
          0,
          9856.87,
          15431.14
        ],
        [
          "2026-04",
          8,
          9209.62,
          33,
          6705.54,
          4,
          0,
          10994.08,
          17935.22
        ],
        [
          "2026-05",
          9,
          10248.76,
          53,
          18163.89,
          8,
          0,
          8780.34,
          10020.09
        ]
      ]
    },
    "checking_transactions_since_2026_06_01": {
      "columns": [
        "posted_at",
        "type",
        "description",
        "amount_usd",
        "balance_usd"
      ],
      "rows": [
        [
          "2026-06-01T05:06:00-04:00",
          "ACH debit",
          "LAKESHORE HOME LOANS MTG PMT",
          -1486.22,
          8533.87
        ],
        [
          "2026-06-01T09:21:26-04:00",
          "Debit card",
          "TRADER JOE'S #678 COLUMBUS OH",
          -69.45,
          8464.42
        ],
        [
          "2026-06-02T05:45:00-04:00",
          "Debit card",
          "SPOTIFY USA NEW YORK NY",
          -11.99,
          8452.43
        ],
        [
          "2026-06-02T06:30:00-04:00",
          "Mobile check deposit",
          "MOBILE DEPOSIT CHECK 4696",
          845,
          9297.43
        ],
        [
          "2026-06-02T08:39:56-04:00",
          "Debit card",
          "KROGER #0517 COLUMBUS OH",
          -98.57,
          9198.86
        ],
        [
          "2026-06-03T06:30:00-04:00",
          "Mobile check deposit",
          "MOBILE DEPOSIT CHECK 3378",
          710,
          9908.86
        ],
        [
          "2026-06-03T08:52:00-04:00",
          "ACH debit",
          "MIDWEST CARE PLAN PREMIUM",
          -412,
          9496.86
        ],
        [
          "2026-06-03T12:34:51-04:00",
          "Debit card",
          "GIANT EAGLE #6512 COLUMBUS OH",
          -31.79,
          9465.07
        ],
        [
          "2026-06-04T03:12:00-04:00",
          "Debit card",
          "SQUARESPACE INC NEW YORK NY",
          -276,
          9189.07
        ],
        [
          "2026-06-05T05:08:00-04:00",
          "Debit card",
          "FIGMA SAN FRANCISCO CA",
          -15,
          9174.07
        ],
        [
          "2026-06-05T06:30:00-04:00",
          "Mobile check deposit",
          "MOBILE DEPOSIT CHECK 1501",
          495,
          9669.07
        ],
        [
          "2026-06-05T07:00:00-04:00",
          "Transfer",
          "TRANSFER TO SAVINGS x8810",
          -500,
          9169.07
        ],
        [
          "2026-06-06T06:51:00-04:00",
          "Debit card",
          "SPECTRUM.COM STAMFORD CT",
          -89.99,
          9079.08
        ],
        [
          "2026-06-06T11:19:59-04:00",
          "Debit card",
          "PRINTWELL SUPPLY CO DAYTON OH",
          -163.03,
          8916.05
        ],
        [
          "2026-06-08T08:10:00-04:00",
          "Debit card",
          "NYTIMES*NYTIMES NEW YORK NY",
          -25,
          8891.05
        ],
        [
          "2026-06-08T17:54:50-04:00",
          "Debit card",
          "PANERA BREAD #601231 COLUMBUS OH",
          -13.88,
          8877.17
        ],
        [
          "2026-06-09T05:37:00-04:00",
          "ACH debit",
          "STATE FARM INSURANCE PREM",
          -118.6,
          8758.57
        ],
        [
          "2026-06-09T06:30:00-04:00",
          "Mobile check deposit",
          "MOBILE DEPOSIT CHECK 7858",
          1004.74,
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          "Business",
          "1366",
          745,
          "Paid",
          null
        ],
        [
          "2026-01-16",
          "Mobile",
          "Copperline Cycles LLC",
          "Business",
          "1405",
          920,
          "Paid",
          null
        ],
        [
          "2026-01-28",
          "Mobile",
          "Copperline Cycles LLC",
          "Business",
          "1439",
          616.41,
          "Paid",
          null
        ],
        [
          "2026-02-11",
          "Mobile",
          "Quarry Hill Veterinary Clinic",
          "Business",
          "6232",
          711.54,
          "Paid",
          null
        ],
        [
          "2026-02-17",
          "Mobile",
          "Fernhollow Dental Partners",
          "Business",
          "4637",
          850,
          "Paid",
          null
        ],
        [
          "2026-02-17",
          "Mobile",
          "Copperline Cycles LLC",
          "Business",
          "1456",
          975.37,
          "Paid",
          null
        ],
        [
          "2026-02-19",
          "Mobile",
          "Brightwater Yoga Studio LLC",
          "Business",
          "3340",
          780.65,
          "Paid",
          null
        ],
        [
          "2026-02-20",
          "Mobile",
          "Maple & Mortar Realty LLC",
          "Business",
          "10531",
          2185,
          "Paid",
          null
        ],
        [
          "2026-03-04",
          "Branch",
          "Cashier's check from another bank (remitter: Lena Marchetti)",
          "Official check",
          "604418",
          3000,
          "Paid",
          null
        ],
        [
          "2026-03-06",
          "Mobile",
          "Quarry Hill Veterinary Clinic",
          "Business",
          "6252",
          790,
          "Paid",
          null
        ],
        [
          "2026-03-12",
          "Mobile",
          "Fernhollow Dental Partners",
          "Business",
          "4642",
          1405.32,
          "Paid",
          null
        ],
        [
          "2026-03-17",
          "Mobile",
          "Fernhollow Dental Partners",
          "Business",
          "4664",
          1522.82,
          "Paid",
          null
        ],
        [
          "2026-03-17",
          "Mobile",
          "Quarry Hill Veterinary Clinic",
          "Business",
          "6271",
          826.8,
          "Paid",
          null
        ],
        [
          "2026-03-30",
          "Mobile",
          "Quarry Hill Veterinary Clinic",
          "Business",
          "6276",
          1086.05,
          "Paid",
          null
        ],
        [
          "2026-04-01",
          "Mobile",
          "Brightwater Yoga Studio LLC",
          "Business",
          "3361",
          838.77,
          "Paid",
          null
        ],
        [
          "2026-04-21",
          "Mobile",
          "Fernhollow Dental Partners",
          "Business",
          "4675",
          1055,
          "Paid",
          null
        ],
        [
          "2026-04-22",
          "Mobile",
          "Ninebark Landscape Co",
          "Business",
          "7788",
          1160,
          "Paid",
          null
        ],
        [
          "2026-04-28",
          "Mobile",
          "Maple & Mortar Realty LLC",
          "Business",
          "10569",
          3425,
          "Paid",
          null
        ],
        [
          "2026-05-07",
          "Mobile",
          "Quarry Hill Veterinary Clinic",
          "Business",
          "6307",
          1012.22,
          "Paid",
          null
        ],
        [
          "2026-05-12",
          "Mobile",
          "Wexley Community Theater",
          "Nonprofit",
          "2241",
          1065,
          "Paid",
          null
        ],
        [
          "2026-05-18",
          "Mobile",
          "Quarry Hill Veterinary Clinic",
          "Business",
          "6328",
          569.23,
          "Paid",
          null
        ],
        [
          "2026-05-18",
          "Mobile",
          "Brightwater Yoga Studio LLC",
          "Business",
          "3365",
          453.97,
          "Paid",
          null
        ],
        [
          "2026-05-19",
          "Mobile",
          "Maple & Mortar Realty LLC",
          "Business",
          "10598",
          3750.61,
          "Paid",
          null
        ],
        [
          "2026-05-22",
          "Mobile",
          "Copperline Cycles LLC",
          "Business",
          "1467",
          643.36,
          "Paid",
          null
        ],
        [
          "2026-05-22",
          "Mobile",
          "Ninebark Landscape Co",
          "Business",
          "7828",
          1385,
          "Paid",
          null
        ],
        [
          "2026-05-27",
          "Mobile",
          "Wexley Community Theater",
          "Nonprofit",
          "2255",
          1290,
          "Paid",
          null
        ],
        [
          "2026-06-01",
          "Mobile",
          "Fernhollow Dental Partners",
          "Business",
          "4696",
          845,
          "Paid",
          null
        ],
        [
          "2026-06-02",
          "Mobile",
          "Brightwater Yoga Studio LLC",
          "Business",
          "3378",
          710,
          "Paid",
          null
        ],
        [
          "2026-06-04",
          "Mobile",
          "Copperline Cycles LLC",
          "Business",
          "1501",
          495,
          "Paid",
          null
        ],
        [
          "2026-06-08",
          "Mobile",
          "Ninebark Landscape Co",
          "Business",
          "7858",
          1004.74,
          "Paid",
          null
        ],
        [
          "2026-06-10",
          "Mobile",
          "Brightwater Yoga Studio LLC",
          "Business",
          "3398",
          511.72,
          "Paid",
          null
        ],
        [
          "2026-06-12",
          "Mobile",
          "Maple & Mortar Realty LLC",
          "Business",
          "10614",
          3035.62,
          "Paid",
          null
        ],
        [
          "2026-06-30",
          "Mobile",
          "Ninebark Landscape Co",
          "Business",
          "7888",
          1115,
          "Paid",
          null
        ],
        [
          "2026-07-08",
          "Mobile",
          "Wexley Community Theater",
          "Nonprofit",
          "2282",
          1160.33,
          "Paid",
          null
        ],
        [
          "2026-07-14",
          "Mobile",
          "Copperline Cycles LLC",
          "Business",
          "1515",
          475.38,
          "Paid",
          null
        ],
        [
          "2026-07-16",
          "Mobile",
          "Fernhollow Dental Partners",
          "Business",
          "4716",
          855.58,
          "Paid",
          null
        ],
        [
          "2026-08-13",
          "Mobile",
          "Wexley Community Theater",
          "Nonprofit",
          "2297",
          1753.14,
          "Paid",
          null
        ],
        [
          "2026-08-19",
          "Mobile",
          "Brightwater Yoga Studio LLC",
          "Business",
          "3411",
          888.22,
          "Paid",
          null
        ],
        [
          "2026-09-08",
          "Mobile",
          "Copperline Cycles LLC",
          "Business",
          "1539",
          1095,
          "Paid",
          null
        ],
        [
          "2026-09-22",
          "Mobile",
          "Fernhollow Dental Partners",
          "Business",
          "4743",
          1300,
          "Paid",
          null
        ],
        [
          "2026-09-22",
          "Mobile",
          "Quarry Hill Veterinary Clinic",
          "Business",
          "6335",
          1035,
          "Paid",
          null
        ]
      ]
    },
    "deposit_session": {
      "submitted_at": "2026-10-05T22:41:09-04:00",
      "business_day_of_deposit": "2026-10-06 (submitted after the 6:00 p.m. ET cutoff)",
      "device": "iPhone 17 (enrolled 2026-09-21), our app 8.3.1; not jailbroken; no emulator; no screen-sharing or remote-access app active",
      "ip": "203.0.113.140",
      "network": "Hotel network, Chicago IL (about 350 miles from home address)",
      "login_auth": "Face ID",
      "time_in_deposit_flow": "1 min 58 s",
      "capture": "Front: 2 attempts (first rejected by the app for glare). Back: auto-capture, 1 attempt.",
      "amount_keyed_by_member_usd": 6480,
      "scam_warning": "Shown at 22:40:31 because this is the member's first check from the maker and over $2,500; member tapped Continue after 9 seconds",
      "member_answers": {
        "What is this check for?": "Payment for goods or services I sold",
        "Has anyone asked you to send part of this money to someone else?": "No"
      }
    },
    "after_the_deposit": [
      {
        "ts": "2026-10-06T07:51:40-04:00",
        "event": "Debit card",
        "detail": "INTELLIGENTSIA COFFEE CHICAGO IL, $6.95, approved"
      },
      {
        "ts": "2026-10-06T08:26:12-04:00",
        "event": "Debit card",
        "detail": "LYFT *RIDE TUE 7AM, $18.20, approved"
      },
      {
        "ts": "2026-10-06T08:55:03-04:00",
        "event": "External transfer scheduled",
        "detail": "$2,000.00 to her linked Fidelity SEP-IRA (linked 2019), to send 2026-10-07"
      }
    ],
    "balances_now": {
      "ledger_balance_usd": 6901.2,
      "pending_card_authorizations": [
        {
          "ts": "2026-10-04T15:10:22-04:00",
          "merchant": "THE LARKIN HOTEL CHICAGO IL",
          "amount_usd": 650,
          "note": "Hotel check-in hold"
        },
        {
          "ts": "2026-10-06T07:51:40-04:00",
          "merchant": "INTELLIGENTSIA COFFEE CHICAGO IL",
          "amount_usd": 6.95
        },
        {
          "ts": "2026-10-06T08:26:12-04:00",
          "merchant": "LYFT *RIDE TUE 7AM",
          "amount_usd": 18.2
        }
      ],
      "available_balance_usd": 6226.05,
      "savings_balance_usd": 27400,
      "deposit_under_review_usd": 6480
    },
    "review_alert": {
      "queue": "Deposit review: mobile check deposits held for an analyst before acceptance",
      "queued_at": "2026-10-05T22:41:16-04:00",
      "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 ($1,300.69)",
        "R-207 Deposit from a device enrolled less than 30 days ago",
        "R-215 Deposit session more than 250 miles from the home address"
      ],
      "vendor_deposit_risk_score": {
        "score": 604,
        "range": "0-999, higher is riskier",
        "reasons": [
          "First item from this maker for this depositor",
          "Amount above the depositor's check history",
          "Recently enrolled device",
          "Session location away from home"
        ]
      },
      "exposure": {
        "deposit_usd": 6480,
        "member_funds_available_usd": 33626.05,
        "uncovered_if_returned_usd": 0,
        "basis": "Available checking plus savings balances"
      },
      "decision_requested_at": "2026-10-06T09:40:00-04:00"
    },
    "item_under_review": {
      "deposit_id": "MD-20261005-120977",
      "channel": "Mobile app",
      "amount_usd": 6480,
      "courtesy_amount_read": 6480,
      "legal_amount_read": "Six thousand four hundred eighty and 00/100",
      "check_type": "Business check (three-to-a-page ledger stock)",
      "maker_name_printed": "HARROW LANE BREWING CO. LLC",
      "maker_address_printed": "Street address in Columbus, OH; phone 555-0131",
      "paying_bank": "A regional bank in Ohio (routing xxxxx0451)",
      "micr": {
        "routing": "xxxxx0451",
        "account": "x2093",
        "serial": "3318",
        "serial_field": "Auxiliary on-us field (business-check layout)"
      },
      "check_number_printed": "3318",
      "check_date": "2026-10-02",
      "payee": "MARCHETTI STUDIO",
      "memo": "INV 2026-114 rebrand ph 2",
      "signature": "One handwritten signature",
      "endorsement": "'Marchetti Studio, Lena Marchetti' and 'For mobile deposit only' with our institution's name, as required",
      "image_quality": {
        "front": "Pass (second attempt)",
        "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, background pattern",
        "check_stock_comparison": "Match: layout matches 9 of 9 reference images from this maker account"
      },
      "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": "Within range: recent paid items from this account are numbered 3241 to 3330",
        "account_owner_name_match": "Match: HARROW LANE BREWING CO LLC",
        "issued_item_data": "Not available for this account",
        "network_activity_last_30_days": "38 items from this account presented at 14 institutions; none returned",
        "paid_item_status": "No paid record for serial 3318"
      },
      "maker_history": {
        "this_member": "No earlier checks from this maker",
        "our_institution": "4 items from this maker account deposited by 3 other members in 24 months, all paid"
      }
    },
    "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"
      }
    }
  }
}