Bank account · Checking
Relay Household Checking
Relay Financial · ••4821 · Household-owned · Open · Primary operating account
$2,845.11
Observed Aug 22, 2026 · 7:42 AM
ReconciledCash Flow source
Accounts answers “what real account exists and what do we currently know about it?” Cash Flow still owns planning. Debt owns obligation terms. Investments owns holdings/performance. Binder owns the actual statement document.
Observed balance
$2,845.11
Manual/imported/connected observation
Available balance
$2,745.11
Optional institution-provided value
Last reconciled
Aug 21
Matched through statement ending 08/21
Account snapshot
InstitutionRelay Financial
Account typeChecking
PurposePrimary household operating
OwnershipBrown Household
Last four4821
OpenedMarch 2025
Attention
Statement expectedSep 1
Next reconciliationAfter statement
Connection healthHealthy
Missing metadataNone
Recent observations
DateSourceBalanceAvailableStatus
Aug 22Connected feed$2,845.11$2,745.11Current
Aug 21Statement close$2,910.44—Reconciled
Aug 20Connected feed$3,102.90$3,002.90Observed
Details is type-aware. Common identity fields stay fixed, while the question set changes when Account Type changes.
Common account identity
What institution holds this account?Relay Financial
Who owns it?Brown Household
What is the account's role?Primary household operating
How is the balance observed?Connected feed + statement verification
Checking-specific questions
Does this account allow checks?Yes
Is there overdraft protection?No
Is direct deposit expected here?Yes
Is this a Cash Flow source/destination?Yes · primary
Statement cycleMonthly · closes on the 21st
Type-specific questionnaire families
Checking
checks, overdraft, direct deposit, sweep/transfer behavior, cycle
Savings / Reserve
interest, withdrawal limits, reserve purpose, target relationship
Cash
custodian/location, count method, observation cadence
Credit Card
credit limit, statement cycle, due day, linked Debt obligation, autopay source
Investment Account
registration, custodian, contribution type; holdings remain Investments-owned
Other / Restricted
escrow, HSA/FSA, prepaid, custodial, trust-owned, or institution-specific metadata
Statements are linked evidence, not duplicate document storage. Accounts owns statement-cycle knowledge and extracted account facts; Binder owns the file.
Statement library
PeriodStatementEnding balanceReconciledEvidence
Aug 2026Aug 01–Aug 21$2,910.44YesBinder ↗
Jul 2026Jul 01–Jul 21$2,218.90YesBinder ↗
Jun 2026Jun 01–Jun 21$3,004.22YesBinder ↗
Statement rules
FrequencyMonthly
Expected day1st
Closing day21st
Missing statement alert3 days
Document ownerBinder
Current reconciliation
Statement ending$2,910.44
Ledger-cleared amount$2,910.44
Difference$0.00
Reconciled throughAug 21, 2026
Reconciliation checkpoints
Which statement are we reconciling to?August 2026
Does the statement ending balance match the recorded cleared balance?Yes
Are there unresolved differences?No
Was reconciliation completed manually or automatically assisted?Assisted · owner confirmed
Activity is the account's observed movement/history surface. It can display imported or connected transactions, but Cash Flow remains the planning/forecasting workspace.
DateDescriptionAmountStateSource
Aug 22Electric utility−$184.21PostedConnected
Aug 21Payroll deposit+$1,702.18PostedConnected
Aug 21Transfer to Annual Bills−$150.00PostedInternal
Aug 20Grocery purchase−$96.42PostedConnected
Data connections
Primary feedConnected financial data source
Last successful syncAug 22 · 7:42 AM
FallbackCSV / manual balance
Statement evidenceBinder link
Cross-Core relationships
Cash FlowPrimary source + destination
DebtNone
InvestmentsNone
Binder14 linked statements
RecordsRelay Financial
Account lifecycle
Created in Household LedgerMar 14, 2025
Marked primary operatingApr 02, 2025
Connection changedJul 07, 2026
Last metadata editAug 18, 2026
Auditability
Who changed account identity?Tracked separately from balance observations.
Can history be deleted?No; archive the account rather than erasing lineage.
Phase 1 · Accounts HTML authority set
HTMLs this Accounts family needs
Accounts Library / MasterSplit pane, search, filters, account selection
Overview TabBalance, status, observations, attention
Details TabCommon identity + type-aware questions
Statements TabCycles, linked Binder evidence, extracted balances
Reconciliation TabStatement-to-ledger reconciliation
Activity TabObserved/imported movements, not planning
Connections TabFeed, CSV/manual fallback, cross-Core links
History TabLifecycle and metadata audit trail
Add / Edit AccountType selection drives questionnaire
Checking TypeChecks, overdraft, direct deposit, cycle
Savings / Reserve TypeInterest, reserve purpose, access rules
Cash TypeCustodian/location, count method, cadence
Credit Card TypeLimit, cycle, Debt link, autopay source
Investment Account TypeRegistration/custodian; holdings elsewhere
Other / Restricted TypeHSA/FSA, escrow, prepaid, custodial, trust-owned