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Consumer API > API Reference > v0 > Accounts > Details

Account Number Masking

Account numbers for SymXchange shares and loans will be masked to the last two digits of the member number. This masked member number will then be concatenated with the account type (S or L), followed by the ID (e.g., 01 or 0001).

unmasked: "0000050000S01"
masked:   "x00S01"

unmasked: "0000050000L0001"
masked:   "x00L0001"

SymXchange external accounts will be masked to the last four digits of the account number. jXchange account numbers will also be masked to the last four digits.

unmasked: "123456789"
masked:   "x6789"

Account Types

The accountType and accountSubType are the general ways of describing an account.

The enumerated values of accountType are static and do not change.

However, the values of accountSubType are not static and can be wildly different between accounts.

Decisions should be based of the value of accountType, but not accountSubType.

Credit Union core(s)

These are the accountType and accountSubtype values for credit unions.

Symitar

Regarding valid values
  • This listing is not an enumeration of valid values.
  • New values may be added in the future.
  • Your application should be robust and gracefully handle new and/or unexpected values.
accountTypeaccountSubType
DebtLease
DebtLoan
DepositClub
DepositChecking
DepositSavings
InvestmentCertificate of Deposit
Line of CreditCredit Card
Line of CreditCredit Card External Loan
Line of CreditLine of Credit
Line of CreditLOC Combination
OtherThird Party

Bank core(s)

These are the accountType and accountSubtype values for banks.

SilverLake

Regarding valid values
  • This listing is not an enumeration of valid values.
  • New values may be added in the future.
  • Your application should be robust and gracefully handle new and/or unexpected values.
accountTypeaccountSubType
DebtLoan
DepositChecking
DepositClub
DepositSavings
InvestmentTime deposit
Line of CreditCredit Card
Line of CreditLine of Credit
OtherGeneral Ledger
OtherSafe Deposit Box
OtherShareholder
OtherThird Party

CIF 20/20

Regarding valid values
  • This listing is not an enumeration of valid values.
  • New values may be added in the future.
  • Your application should be robust and gracefully handle new and/or unexpected values.
accountTypeaccountSubType
DebtLoan
DepositChecking
DepositClub
DepositSavings
InvestmentTime deposit
Line of CreditCredit Card
Line of CreditLine of Credit
Line of CreditOverdraft Protection
OtherGeneral Ledger
OtherSafe Deposit Box
OtherThird Party

Core Director

Regarding valid values
  • This listing is not an enumeration of valid values.
  • New values may be added in the future.
  • Your application should be robust and gracefully handle new and/or unexpected values.
accountTypeaccountSubType
DebtLoan
DepositChecking
DepositSavings
InvestmentCertificate of Deposit
InvestmentIndividual Retirement Account (IRA)
InvestmentInvestments
Line of CreditCredit Card
Line of CreditLine of Credit
OtherOther
OtherSafe Deposit Box

Values of accountType

  • Deposit

    A bank account that allows money to be deposited and withdrawn by the account owner. Includes accountSubType of most commonly Checking and Savings, but also Interest Checking and others.

  • Line of Credit

    A credit source extended to a consumer by a financial institution. Includes accountSubType of Credit Card, Home Equity Line, etc.

  • Debt

    An obligation owed by a consumer to a financial institution. Includes accountSubType of Loan and others.

  • Investment

    The commitment of money to purchase financial instruments. Includes accountSubType of Certificate of Deposit, Bond, etc.

  • Bill Pay

    An account that is used only to pay bills.

  • Other

    An account that does not fit into one of the other account types. Includes an accountSubType.

  • Unknown

    An account type cannot be derived. accountSubType will also be Unknown.

Balances

Deposit Accounts

A positive balance indicates the amount of money the owner has in the account.

A negative balance would indicate other conditions (such as an overdraft).

Debt and Line of Credit Accounts

A positive balance indicates the amount owed. For example, a balance of 70,422 on a home loan would indicate that the owner owes $70,422 on their home.

A negative balance indicates a credit owed. For example, a balance of -5.22 might indicate a refund was posted to a credit card that had no outstanding balance.

Investment and Other Types of Accounts

No inference is applied to the balances with regard to positive or negative numbers.

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Last updated Fri Sep 15 2023