Solutions for Credit Decisioning


The Risk Insight Suite delivers comprehensive reports based on consumer permissioned data for credit and lending.

Full Financial Snapshot

Gain critical visibility into a borrower's assets, income and expenses

//Risk Insight Suite JSON Report 
 {
 "currency": "Evaluated per Account Asset.",
 "days_requested": 90,
 "applicant": {
 "first_name": "Mike",
 "last_name": "Matas",
 "ssn": "",
 "dob": "",
 "email": "mmatas0707@gmail.com",
 "mobile_phone": "",
 "work_phone": "",
 "home_phone": "",
 "address": "",
 "address2": "",
 "city": "",
 "state": "",
 "zip": "33146",
 "employer": {
 "name": "",
 "position": "",
 "length_months": 0,
 "pay_cycle": "",
 "type": "",
 "start_date": "0001-01-01T00:00:00Z",
 "end_date": "0001-01-01T00:00:00Z",
 "pay_amt_gross": 0,
 "pay_amt_net": 0
 },
 "previous_employers": [],
 "annual_income": 0,
 "monthly_income": 0,
 "weekly_income": 0,
 "net_income": 0,
 "marital_status": "",
 "dependents": 0
 },
 "co_applicants": [],
 "order_id": "1f7916ed",
 "product_name": "FULL",
 "reference_no": "1491411259559",
 "refresh_period_days": "N/A",
 "report_date": "2017-04-05T17:05:52.949Z",
 "requested_by": {
 "company_id": "Not Provided",
 "company_name": "Not Provided",
 "broker": "Not Provided",
 "processor": "Not Provided",
 "phone": "Not Provided",
 "email": "Not Provided",
 "reference_no": "1491411259559"
 },
 "requested_end_date": "2017-04-05T23:59:59Z",
 "requested_start_date": "2017-01-05T00:00:00Z",
 "ability_to_repay": {
 "adj_leftover_cashflow": {
 "10%": 593.88628,
 "15%": 890.8294199999999,
 "30%": 1781.6588399999998,
 "5%": 296.94314
 },
 "avg_monthly_income": {
 "10%": 878.2078240000001,
 "15%": 1317.311736,
 "30%": 2634.623472,
 "5%": 439.10391200000004
 },
 "leftover_cashflow": {
 "10%": 658.9935300000001,
 "15%": 988.490295,
 "30%": 1976.98059,
 "5%": 329.49676500000004
 }
 },
 "asset_analysis": [
 {
 "_id": "58e523f4a002b9b6330fb2f1",
 "account_summary": {
 "account_holder": "Mike Mattas",
 "account_name": "IQ Bank Checking",
 "account_no": "XXX-XXX0118",
 "account_type": "bank",
 "ach_in": false,
 "ach_out": true,
 "available_balance": 20113.42,
 "current_balance": 20113.42,
 "currency": "USD",
 "direct_deposit": true,
 "investment_details": {
 "account_number": "",
 "link": "",
 "account_holder": "",
 "cash": 0,
 "total_balance": 0,
 "total_vested_balance": 0,
 "total_unvested_balance": 0,
 "funds_owed": 0,
 "available_loan": 0,
 "buying_power": 0,
 "margin_balance": 0,
 "unsettled_funds": 0,
 "short_balance": 0,
 "money_market_balance": 0,
 "loan_401k": 0,
 "account_name": "",
 "holdings": null
 },
 "negative_occurrences": 3,
 "nsf_occurrences": 2,
 "requested": {
 "account_holder": "Mike Matas",
 "account_name": "IQ Bank",
 "account_no": "0118",
 "routing_no": "999988181"
 },
 "routing_no": "N/A"
 },
 "ach_in": [],
 "ach_out": [
 {
 "account_name": "IQ Bank Checking",
 "amount": 15,
 "date": "2017-02-12T08:00:00Z",
 "description": "SXM*SIRIUSXM.COM/ACCT NY",
 "large_deposit": true,
 "transaction_id": "58e523d40addff000a57e618"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 9.98,
 "date": "2017-02-05T08:00:00Z",
 "description": "RECUR DEBIT CRD NETFLIX.COM NETFLIX.COM CA",
 "large_deposit": false,
 "transaction_id": "58e523d40addff000a57e62a"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 11.42,
 "date": "2017-01-27T08:00:00Z",
 "description": "WNE*ZAGATWINE 8xx-xxxx7211/03WNE*ZAGAT",
 "large_deposit": false,
 "transaction_id": "58e523d40addff000a57e640"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 15.65,
 "date": "2017-01-07T08:00:00Z",
 "description": "RECUR DEBIT CRD PMT NFI*WWW.NETFLIX.CO NETFLIX.COM CA",
 "large_deposit": true,
 "transaction_id": "58e523d40addff000a57e653"
 }
 ],
 "adjusted_cashflow_matrix": {
 "last_07_days": {
 "inflow": 2127.87,
 "leftover": 2127.87,
 "outflow": 0
 },
 "last_14_days": {
 "inflow": 6614.99,
 "leftover": 6414.639999999999,
 "outflow": 200.35
 },
 "last_30_days": {
 "inflow": 6614.99,
 "leftover": 6379.639999999999,
 "outflow": 235.35
 },
 "last_60_days": {
 "inflow": 18934.809999999998,
 "leftover": 12242.169999999996,
 "outflow": 6692.640000000001
 },
 "last_90_days": {
 "inflow": 25982.48,
 "leftover": 17570.6,
 "outflow": 8411.880000000001
 },
 "total_activity": {
 "inflow": 25982.48,
 "leftover": 17570.6,
 "outflow": 8411.880000000001
 }
 },
 "average_balance_matrix": {
 "last_07_days_avg": 17985.55,
 "last_14_days_avg": 18012.81428571428,
 "last_30_days_avg": 15725.996000000012,
 "last_60_days_avg": 13258.18900000001,
 "last_90_days_avg": 9229.974555555556,
 "total_activity_avg": 9229.974555555556
 },
 "balance_trends": {
 "occurrences_below_0": {
 "last_07_days": 0,
 "last_14_days": 0,
 "last_30_days": 0,
 "last_60_days": 0,
 "last_90_days": 3,
 "total_activity": 3
 },
 "occurrences_below_100": {
 "last_07_days": 0,
 "last_14_days": 0,
 "last_30_days": 0,
 "last_60_days": 0,
 "last_90_days": 11,
 "total_activity": 11
 },
 "occurrences_below_250": {
 "last_07_days": 0,
 "last_14_days": 0,
 "last_30_days": 0,
 "last_60_days": 0,
 "last_90_days": 12,
 "total_activity": 12
 },
 "occurrences_below_500": {
 "last_07_days": 0,
 "last_14_days": 0,
 "last_30_days": 0,
 "last_60_days": 0,
 "last_90_days": 14,
 "total_activity": 14
 }
 },
 "cashflow_matrix": {
 "last_07_days": {
 "inflow": 2127.87,
 "leftover": 2127.87,
 "outflow": 0
 },
 "last_14_days": {
 "inflow": 6614.99,
 "leftover": 6414.639999999999,
 "outflow": 200.35
 },
 "last_30_days": {
 "inflow": 6614.99,
 "leftover": 6379.639999999999,
 "outflow": 235.35
 },
 "last_60_days": {
 "inflow": 19435.14,
 "leftover": 12742.499999999998,
 "outflow": 6692.640000000001
 },
 "last_90_days": {
 "inflow": 27908.73,
 "leftover": 19496.85,
 "outflow": 8411.880000000001
 },
 "total_activity": {
 "inflow": 27908.73,
 "leftover": 19496.85,
 "outflow": 8411.880000000001
 }
 },
 "days_processed": 90,
 "depletion_matrix": {
 "avg_paycheck": 4041.719111111111,
 "last_07_depletion": 0.1618760025986742,
 "last_14_depletion": 0.3237520051973484,
 "last_30_depletion": 0.693754296851461,
 "last_60_depletion": 1,
 "last_90_depletion": 1,
 "last_activity_depletion": 1
 },
 "deposit_matrix": {
 "last_07_days": {
 "avg": 2127.87,
 "count": 1,
 "total": 2127.87
 },
 "last_14_days": {
 "avg": 3307.495,
 "count": 2,
 "total": 6614.99
 },
 "last_30_days": {
 "avg": 3307.495,
 "count": 2,
 "total": 6614.99
 },
 "last_60_days": {
 "avg": 3239.19,
 "count": 6,
 "total": 19435.14
 },
 "last_90_days": {
 "avg": 2964.7933333333335,
 "count": 9,
 "total": 26683.140000000003
 },
 "total_activity": {
 "avg": 2964.7933333333335,
 "count": 9,
 "total": 26683.140000000003
 }
 },
 "deposit_summary": {
 "average": {
 "amount": 2964.793333333334
 },
 "highest": {
 "amount": 5600,
 "date": "2017-02-16T08:00:00Z"
 },
 "lowest": {
 "amount": 200.33,
 "date": "2017-01-13T08:00:00Z"
 }
 },
 "end_date_processed": "2017-04-05T23:59:59Z",
 "last_refresh_date": "2017-04-05T23:59:59Z",
 "negative_occurrences_matrix": {
 "last_07_days": 0,
 "last_14_days": 0,
 "last_30_days": 0,
 "last_60_days": 0,
 "last_90_days": 3,
 "total_activity": 3
 },
 "paycheck_summary": {
 "average_paycheck_amount": 4041.719111111111,
 "most_recent_paycheck": {
 "amount": 2127.87,
 "date": "2017-04-05T07:00:00Z"
 },
 "total_paycheck_amount": 25982.48
 },
 "payroll_matrix": {
 "last_07_days": {
 "avg": 2127.87,
 "count": 1,
 "total": 2127.87
 },
 "last_14_days": {
 "avg": 3307.495,
 "count": 2,
 "total": 6614.99
 },
 "last_30_days": {
 "avg": 3307.495,
 "count": 2,
 "total": 6614.99
 },
 "last_60_days": {
 "avg": 3786.9619999999995,
 "count": 5,
 "total": 18934.809999999998
 },
 "last_90_days": {
 "avg": 3711.782857142857,
 "count": 7,
 "total": 25982.48
 },
 "total_activity": {
 "avg": 3711.782857142857,
 "count": 7,
 "total": 25982.48
 }
 },
 "start_date_processed": "2017-01-05T00:00:00Z",
 "transaction_history": [
 {
 "account_name": "IQ Bank Checking",
 "amount": 2127.87,
 "date": "2017-04-05T07:00:00Z",
 "description": "COMMISSIONS DIRECT DEPPPD",
 "tags": [
 "Payroll"
 ],
 "transaction_id": "58e523d40addff000a57e5e7",
 "type": "credit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 90.5,
 "date": "2017-03-25T07:00:00Z",
 "description": "CHECK CRD PURCHASE GAMESTOP.COM/EBGAM xxx-xxx-2085 TX",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e5e8",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 32.85,
 "date": "2017-03-24T07:00:00Z",
 "description": "DEBIT PURCHASE SPORTS GRILL RESTAURANT SOUTH MIAMI",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e5e9",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 44.5,
 "date": "2017-03-23T07:00:00Z",
 "description": "CROWN LIQUORS",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e5ea",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 17.5,
 "date": "2017-03-22T07:00:00Z",
 "description": "DEBIT PURCHASE MIAMI PARKING SYSTEM SOUTH BEACH",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e5eb",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 15,
 "date": "2017-03-22T07:00:00Z",
 "description": "MONTHLY CHECK RETURN/IMAGE STMT FEE",
 "tags": [
 "NSF"
 ],
 "transaction_id": "58e523d40addff000a57e5ec",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 4487.12,
 "date": "2017-03-22T07:00:00Z",
 "description": "COMMISSIONS DIRECT DEPPPD",
 "tags": [
 "Payroll"
 ],
 "transaction_id": "58e523d40addff000a57e5ed",
 "type": "credit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 35,
 "date": "2017-03-18T07:00:00Z",
 "description": "NSF FEE",
 "tags": [
 "NSF"
 ],
 "transaction_id": "58e523d40addff000a57e5ee",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 2973.67,
 "date": "2017-03-05T08:00:00Z",
 "description": "COMMISSIONS DIRECT DEPPPD",
 "tags": [
 "Payroll"
 ],
 "transaction_id": "58e523d40addff000a57e5ef",
 "type": "credit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 2471.24,
 "date": "2017-03-05T08:00:00Z",
 "description": "ACH TRANSFER TO PENNYMAC",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e5f0",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 40,
 "date": "2017-03-04T08:00:00Z",
 "description": "ONLINE TRANSFER REF #IBE58WKDL2",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e5f1",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 24.83,
 "date": "2017-03-03T08:00:00Z",
 "description": "CHECK CARD PURCHASE YELLOW CAB FORT LAUDERDAFLL",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e5f2",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 22.55,
 "date": "2017-03-02T08:00:00Z",
 "description": "TGI FRIDAYS RESTAURANT COCONUT GROVE",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e5f3",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 112.55,
 "date": "2017-03-01T08:00:00Z",
 "description": "GRAZIANOS RESTAURANT COCONUT GROVE",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e5f4",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 7.5,
 "date": "2017-02-28T08:00:00Z",
 "description": "DEBIT PURCHASE MIAMI PARKING SYSTEM COCONUT GROVE",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e5f5",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 8.27,
 "date": "2017-02-25T08:00:00Z",
 "description": "LIBERTY GAS / DAVIE FT Lxxxx5012/11LIBERTY G",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e5f6",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 250,
 "date": "2017-02-24T08:00:00Z",
 "description": "BILL PAY x8080 ELECTRICITY ON-LINE",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e5f7",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 17.41,
 "date": "2017-02-24T08:00:00Z",
 "description": "CHECK CARD PURCHASE SMOKEY BONES 7533 PLANTATION FL",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e5f8",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 916.98,
 "date": "2017-02-23T08:00:00Z",
 "description": "BEST BUY PLANTATION",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e5f9",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 5.85,
 "date": "2017-02-22T08:00:00Z",
 "description": "ChinaStar",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e5fa",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 27,
 "date": "2017-02-22T08:00:00Z",
 "description": "DEBIT PURCHASE CHEVRON POS DAVIE FL",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e5fb",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 350,
 "date": "2017-02-22T08:00:00Z",
 "description": "CARD SRVCS Online Pmt xx0923",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e5fc",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 32.85,
 "date": "2017-02-21T08:00:00Z",
 "description": "DEBIT PURCHASE BOKAMPER'S SPORTS GRILL RESTAURANT FT.LAUDERDALE",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e5fd",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 24.25,
 "date": "2017-02-21T08:00:00Z",
 "description": "AutoZone",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e5fe",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 14.5,
 "date": "2017-02-20T08:00:00Z",
 "description": "KENTUCKY FRIED CHICKEN CORAL GABLES",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e5ff",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 14,
 "date": "2017-02-20T08:00:00Z",
 "description": "DEBIT PIN PURCHASE MILAM'S MARKETS IGA",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e600",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 74.5,
 "date": "2017-02-20T08:00:00Z",
 "description": "GULF LIQUORS #7 CORAL GABLES",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e601",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 14.85,
 "date": "2017-02-19T08:00:00Z",
 "description": "DEBIT PURCHASE WALGREENS",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e602",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 25,
 "date": "2017-02-19T08:00:00Z",
 "description": "CHECK CRD PURCHASE USAPARKING/FLL AIRPORT FORT LAUDERDA FL",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e603",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 3746.15,
 "date": "2017-02-19T08:00:00Z",
 "description": "COMMISSIONS DIRECT DEPPPD",
 "tags": [
 "Payroll"
 ],
 "transaction_id": "58e523d40addff000a57e604",
 "type": "credit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 5600,
 "date": "2017-02-16T08:00:00Z",
 "description": "QUARTERLY BONUS DIRECT DEPPPD",
 "tags": [
 "Payroll"
 ],
 "transaction_id": "58e523d40addff000a57e605",
 "type": "credit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 50.25,
 "date": "2017-02-15T08:00:00Z",
 "description": "BEST BUY PLANTATION",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e606",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 22.85,
 "date": "2017-02-15T08:00:00Z",
 "description": "DEBIT PURCHASE DUFFY'S RESTAURANT SOUTH MIAMI",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e607",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 124.3,
 "date": "2017-02-15T08:00:00Z",
 "description": "DEBIT PIN PURCHASE 1401 MONZA AVE CORAL GABLES",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e608",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 37.85,
 "date": "2017-02-15T08:00:00Z",
 "description": "CHASE AUTOPAYPPD ID: xxxxxx9224",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e609",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 4.43,
 "date": "2017-02-15T08:00:00Z",
 "description": "CHECK CARD PURCHASE STARBUCKS CORPxxxx4298 PLANTATION FL",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e60a",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 40,
 "date": "2017-02-15T08:00:00Z",
 "description": "ATM WITHDRAWAL - 9501 WESTVIEW DRIVE CORAL SPRINGS FL 7041",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e60b",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 36.62,
 "date": "2017-02-15T08:00:00Z",
 "description": "CHECK CRD PURCHASE DAVE BUSTER'S #2 MIAMI FL",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e60c",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 74.25,
 "date": "2017-02-14T08:00:00Z",
 "description": "WALGREENS",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e60d",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 20.45,
 "date": "2017-02-14T08:00:00Z",
 "description": "DEBIT PURCHASE NEW MOON RESTAURANT",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e60e",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 60.67,
 "date": "2017-02-14T08:00:00Z",
 "description": "GROUPON INC xxx-xxx-785 8xxx8635ZW9 COUPONS",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e60f",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 48.71,
 "date": "2017-02-14T08:00:00Z",
 "description": "CHECK CRD PURCHASE BC CENTER BOOKSTORE DAVIE FL",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e610",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 28.54,
 "date": "2017-02-14T08:00:00Z",
 "description": "POS PURCHASE - FAU-DAVIE-BKSTO DAVIE FL",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e611",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 40,
 "date": "2017-02-14T08:00:00Z",
 "description": "SDL*SAVEOLOGYDEALS\t xxx-xxx-813 67SKK6",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e612",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 40,
 "date": "2017-02-13T08:00:00Z",
 "description": "DEBIT PIN PURCHASE SUNPASS OPERATIONS",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e613",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 200,
 "date": "2017-02-13T08:00:00Z",
 "description": "ATM WITHDRAWAL - 5830 SOUTH UNIVERSITY DAVIE FL",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e614",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 27.49,
 "date": "2017-02-13T08:00:00Z",
 "description": "PURCHASES FINANCE CHARGE",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e615",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 16.28,
 "date": "2017-02-13T08:00:00Z",
 "description": "CHECK CRD PURCHASE KFC Xxx5107 2975 PLANTATION FL",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e616",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 9.31,
 "date": "2017-02-13T08:00:00Z",
 "description": "POS PURCHASE - HOOK'S FISH PLANTATION FL 8013",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e617",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 15,
 "date": "2017-02-12T08:00:00Z",
 "description": "SXM*SIRIUSXM.COM/ACCT NY",
 "tags": [
 "ACH Out"
 ],
 "transaction_id": "58e523d40addff000a57e618",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 104,
 "date": "2017-02-12T08:00:00Z",
 "description": "DEBIT PIN PURCHASE PUBLIX",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e619",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 354.3,
 "date": "2017-02-12T08:00:00Z",
 "description": "BEST BUY 0013 MIAMI FL",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e61a",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 55.7,
 "date": "2017-02-12T08:00:00Z",
 "description": "POS PURCHASE - WALMART T2058 DA CORAL GABLES FL",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e61b",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 22.45,
 "date": "2017-02-12T08:00:00Z",
 "description": "DEBIT PURCHASE SPORTS GRILL RESTAURANT MIAMI",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e61c",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 16.86,
 "date": "2017-02-12T08:00:00Z",
 "description": "CACTUS CAR WASH - FT FOR01/08CACTUS CA",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e61d",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 500.33,
 "date": "2017-02-11T08:00:00Z",
 "description": "DEPOSIT MADE IN A BRANCH/STORE",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e61e",
 "type": "credit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 34.71,
 "date": "2017-02-11T08:00:00Z",
 "description": "JUST SHOE N ME INC CORRAL GABLES FL",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e61f",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 44.84,
 "date": "2017-02-10T08:00:00Z",
 "description": "USPS 1xxxxx0250/1201 FORxxxx9812/09USPS 1130",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e620",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 43.55,
 "date": "2017-02-09T08:00:00Z",
 "description": "SPORTS GRILL SUNSET MIAMI",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e621",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 7.5,
 "date": "2017-02-08T08:00:00Z",
 "description": "DEBIT PURCHASE FORT LAUDERDALE PARKING SYSTEM LAS OLAS",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e622",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 74.3,
 "date": "2017-02-08T08:00:00Z",
 "description": "AMEX CARD 06:19 4958",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e623",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 12.07,
 "date": "2017-02-08T08:00:00Z",
 "description": "LIME MEXICAN RESTAURANT",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e624",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 14.5,
 "date": "2017-02-07T08:00:00Z",
 "description": "GULF LIQUORS #7 CORAL GABLES",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e625",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 9.99,
 "date": "2017-02-07T08:00:00Z",
 "description": "UFC FIGHT PASS",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e626",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 5.5,
 "date": "2017-02-07T08:00:00Z",
 "description": "DEBIT PURCHASE BROWARD PARKING SYSTEM HOLLYWOOD",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e627",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 39.25,
 "date": "2017-02-06T08:00:00Z",
 "description": "AMERIKA POS CORAL GABLES FL",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e628",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 67,
 "date": "2017-02-05T08:00:00Z",
 "description": "DEBIT PURCHASE EXXONMOBIL POS MIAMI FL",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e629",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 9.98,
 "date": "2017-02-05T08:00:00Z",
 "description": "RECUR DEBIT CRD NETFLIX.COM NETFLIX.COM CA",
 "tags": [
 "ACH Out"
 ],
 "transaction_id": "58e523d40addff000a57e62a",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 74.5,
 "date": "2017-02-04T08:00:00Z",
 "description": "TOTAL WINE AND SPIRITS",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e62b",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 105,
 "date": "2017-02-04T08:00:00Z",
 "description": "POS PURCHASE - COSTCO DORAL FL",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e62c",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 10.16,
 "date": "2017-02-04T08:00:00Z",
 "description": "CHKCARDGOOGLE *MinecraGOOGLE",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e62d",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 25.59,
 "date": "2017-02-03T08:00:00Z",
 "description": "INTEREST DUE",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e62e",
 "type": "credit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 4872.33,
 "date": "2017-02-03T08:00:00Z",
 "description": "COMMISSIONS DIRECT DEPPPD",
 "tags": [
 "Payroll"
 ],
 "transaction_id": "58e523d40addff000a57e62f",
 "type": "credit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 1200,
 "date": "2017-02-02T08:00:00Z",
 "description": "PURCHASE RET. BEST BUY #551",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e630",
 "type": "credit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 40,
 "date": "2017-02-01T08:00:00Z",
 "description": "DEBIT PIN PURCHASE SUNPASS OPERATIONS",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e631",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 74,
 "date": "2017-02-01T08:00:00Z",
 "description": "DEBIT PIN PURCHASE WHOLE FOODS MARKET",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e632",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 27.31,
 "date": "2017-02-01T08:00:00Z",
 "description": "CHECK CRD PURCHASE STEAK-N-SHAKE#0595 DAVIE FL",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e633",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 37,
 "date": "2017-01-31T08:00:00Z",
 "description": "DEBIT PURCHASE EXXONMOBIL POS MIAMI FL",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e634",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 37,
 "date": "2017-01-31T08:00:00Z",
 "description": "DEBIT PURCHASE SHELL POS DAVIE FL",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e635",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 135.99,
 "date": "2017-01-31T08:00:00Z",
 "description": "USAA FUNDS TRANSFER CR~~x3051~~~~x1873~~0~~14~~0303",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e636",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 30.67,
 "date": "2017-01-31T08:00:00Z",
 "description": "KIKO JAPANESE RESTAURANT",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e637",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 17.45,
 "date": "2017-01-30T08:00:00Z",
 "description": "PHO 78 VIETNAMESE SUNRISE FL",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e638",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 24.3,
 "date": "2017-01-29T08:00:00Z",
 "description": "JIMMY JOHN'S # 125 PEMBROKE PIN FL",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e639",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 37,
 "date": "2017-01-28T08:00:00Z",
 "description": "DEBIT PURCHASE EXXONMOBIL POS DAVIE FL",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e63a",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 22.55,
 "date": "2017-01-28T08:00:00Z",
 "description": "CHILIES RESTAURANT COCONUT GROVE",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e63b",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 47.25,
 "date": "2017-01-28T08:00:00Z",
 "description": "Sears",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e63c",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 28.67,
 "date": "2017-01-28T08:00:00Z",
 "description": "CHECK CRD PURCHASE CHICK-FIL-A #x2600 DAVIE FL",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e63d",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 22.85,
 "date": "2017-01-27T08:00:00Z",
 "description": "DEBIT PURCHASE SPORTS GRILL RESTAURANT SOUTH MIAMI",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e63e",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 17,
 "date": "2017-01-27T08:00:00Z",
 "description": "SUPERCUTS x0235 COOPER CITY FL 8013",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e63f",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 11.42,
 "date": "2017-01-27T08:00:00Z",
 "description": "WNE*ZAGATWINE 8xx-xxxx7211/03WNE*ZAGAT",
 "tags": [
 "ACH Out"
 ],
 "transaction_id": "58e523d40addff000a57e640",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 75,
 "date": "2017-01-26T08:00:00Z",
 "description": "BILL PAY x0080 WATER ON-LINE",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e641",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 38.9,
 "date": "2017-01-26T08:00:00Z",
 "description": "POS PURCHASE - WALGREENS 3015 DAVIE FL xxxx xxxxxxxxxxxxx1216",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e642",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 47.67,
 "date": "2017-01-24T08:00:00Z",
 "description": "DEL BOCA VISTA HOTELS PORTFINO ORLANDO FL",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e643",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 23.43,
 "date": "2017-01-24T08:00:00Z",
 "description": "CHECK CARD PURCHASE AMAZON DIGITAL SVCS",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e644",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 33.22,
 "date": "2017-01-23T08:00:00Z",
 "description": "ANTHONYS COAL FIRE PEMBROKE PINES FL",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e645",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 28.17,
 "date": "2017-01-22T08:00:00Z",
 "description": "CHECK CRD PURCHASE VESTA *BOOST PREP xxx-xxx-9958 OR",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e646",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 36.49,
 "date": "2017-01-21T08:00:00Z",
 "description": "CHECK CARD PURCHASE EINSTEIN BROS BAGELS31 PLANTATION FL",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e647",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 2175.34,
 "date": "2017-01-20T08:00:00Z",
 "description": "COMMISSIONS DIRECT DEPPPD",
 "tags": [
 "Payroll"
 ],
 "transaction_id": "58e523d40addff000a57e648",
 "type": "credit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 9.32,
 "date": "2017-01-20T08:00:00Z",
 "description": "ELECTRONIC/ACH DEBIT MASSMUTUAL LIFE",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e649",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 8.92,
 "date": "2017-01-16T08:00:00Z",
 "description": "CHECK CRD PURCHASE CHICKEN KITCHEN PL PLANTATION FL",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e64a",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 35,
 "date": "2017-01-15T08:00:00Z",
 "description": "NSF FEE",
 "tags": [
 "NSF"
 ],
 "transaction_id": "58e523d40addff000a57e64b",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 5.34,
 "date": "2017-01-14T08:00:00Z",
 "description": "PANERA BREAD #4705 HALLA11/12PANERA BR",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e64c",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 200.33,
 "date": "2017-01-13T08:00:00Z",
 "description": "DEPOSIT MADE IN A BRANCH/STORE",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e64d",
 "type": "credit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 48.97,
 "date": "2017-01-13T08:00:00Z",
 "description": "OFFICE MAX",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e64e",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 74.11,
 "date": "2017-01-11T08:00:00Z",
 "description": "CHKCARDGREEN LEAF'S SUNRISE FLUS",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e64f",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 100,
 "date": "2017-01-10T08:00:00Z",
 "description": "ATM WITHDRAWAL SPACE COAST CU 7751 WEST OAKLAND B SUNRISE FLUS",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e650",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 115.45,
 "date": "2017-01-09T08:00:00Z",
 "description": "JUST SHOE N ME INC CORRAL SPRING FL",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e651",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 219.05,
 "date": "2017-01-08T08:00:00Z",
 "description": "PUBLIX SUPER MA DAVIE FL 8013",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e652",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 15.65,
 "date": "2017-01-07T08:00:00Z",
 "description": "RECUR DEBIT CRD PMT NFI*WWW.NETFLIX.CO NETFLIX.COM CA",
 "tags": [
 "ACH Out"
 ],
 "transaction_id": "58e523d40addff000a57e653",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 47.03,
 "date": "2017-01-06T08:00:00Z",
 "description": "CHECK CRD PURCHASE STEVE'S ESPRESSO DAVIE FL",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e654",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 32.74,
 "date": "2017-01-06T08:00:00Z",
 "description": "POS PURCHASE STEAK-N-SHAKE#0DAVIE",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e655",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 9.55,
 "date": "2017-01-06T08:00:00Z",
 "description": "PIZZA PALACE",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e656",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 67.83,
 "date": "2017-01-05T08:00:00Z",
 "description": "RACETRAC665 FT. LAUDERDAxxxx8101",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e657",
 "type": "debit"
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 36.94,
 "date": "2017-01-05T08:00:00Z",
 "description": "CHECK CRD PURCHASE SUNSET STRIP GASOL SUNRISE FL",
 "tags": [],
 "transaction_id": "58e523d40addff000a57e658",
 "type": "debit"
 }
 ]
 }
 ],
 "asset_summary": {
 "assets": [
 {
 "account_holder": "Mike Mattas",
 "account_name": "IQ Bank Checking",
 "account_no": "XXX-XXX0118",
 "account_type": "bank",
 "ach_in": false,
 "ach_out": true,
 "balance": 20113.42,
 "direct_deposit": true,
 "routing_no": "N/A"
 }
 ],
 "total_balance": 20113.42,
 "verification": [
 {
 "requested": {
 "account_holder": "Mike Matas",
 "account_name": "IQ Bank",
 "account_no": "0118",
 "routing_no": "999988181"
 },
 "returned": {
 "account_holder": "Mike Mattas",
 "account_name": "IQ Bank Checking",
 "account_no": "XXX-XXX0118",
 "routing_no": "N/A"
 }
 }
 ]
 },
 "deposit_history": [
 {
 "account_name": "IQ Bank Checking",
 "amount": 2127.87,
 "date": "2017-04-05T07:00:00Z",
 "description": "COMMISSIONS DIRECT DEPPPD",
 "large_deposit": false
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 4487.12,
 "date": "2017-03-22T07:00:00Z",
 "description": "COMMISSIONS DIRECT DEPPPD",
 "large_deposit": true
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 2973.67,
 "date": "2017-03-05T08:00:00Z",
 "description": "COMMISSIONS DIRECT DEPPPD",
 "large_deposit": false
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 3746.15,
 "date": "2017-02-19T08:00:00Z",
 "description": "COMMISSIONS DIRECT DEPPPD",
 "large_deposit": false
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 5600,
 "date": "2017-02-16T08:00:00Z",
 "description": "QUARTERLY BONUS DIRECT DEPPPD",
 "large_deposit": true
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 500.33,
 "date": "2017-02-11T08:00:00Z",
 "description": "DEPOSIT MADE IN A BRANCH/STORE",
 "large_deposit": false
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 4872.33,
 "date": "2017-02-03T08:00:00Z",
 "description": "COMMISSIONS DIRECT DEPPPD",
 "large_deposit": true
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 2175.34,
 "date": "2017-01-20T08:00:00Z",
 "description": "COMMISSIONS DIRECT DEPPPD",
 "large_deposit": false
 },
 {
 "account_name": "IQ Bank Checking",
 "amount": 200.33,
 "date": "2017-01-13T08:00:00Z",
 "description": "DEPOSIT MADE IN A BRANCH/STORE",
 "large_deposit": false
 }
 ],
 "total_negative_occurrences": 3,
 "total_nsf_occurrences": 2
}

Set up a Developer Account for free

Contact Yodlee to get started.