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Sasquatch National Bank — Accounts

The 1-of-1 singleton accounts on SNB's GL plus the 1-of-many account templates materialized at posting time. Both kinds plug into the hierarchy diagram on the overview — singletons form the backbone, templates fan out beneath their parent singletons.

Singleton accounts

These are the 1-of-1 accounts SNB holds — the GL control accounts on the asset/liability side, plus the named external counterparties.

ID Role Scope Parent role Description
gl-1010-cash-due-frb CashDueFRB internal — SNB's master settlement balance with the Federal Reserve. Every net-settled flow (ACH origination, wire settlement, daily cash concentration sweep, card-acquiring net settlement) ultimately credits or debits this account. Drift here means SNB's view of its FRB balance and the Fed statement disagree — a regulatory exposure.
gl-1810-ach-orig-settlement ACHOrigSettlement internal — Holding account for the daily ACH origination batch before it sweeps to the Fed. Activity nets to zero each cycle; a non-zero EOD balance means a batch leg failed to settle as scheduled.
gl-1815-card-acquiring-settlement CardAcquiringSettlement internal — Pass-through GL for daily card-processor settlements. Card authorizations debit here when the processor force-posts; the offsetting credit lands on the customer's DDA when SNB matches the auth to a card transaction.
gl-1820-wire-settlement-suspense WireSettlementSuspense internal — Holding account for inbound wires awaiting Fedwire confirmation and outbound wires awaiting beneficiary bank acknowledgment. A wire is fully reconciled when both legs have posted; rows stuck here past the same-day cutoff are reconciliation work.
gl-1830-internal-transfer-suspense InternalTransferSuspense internal — Two-step suspense for on-us transfers. The source DDA debits here, then the destination DDA credits from here, allowing the two halves to be authorized independently. A non-zero balance means a credit-half is stuck — the source-DDA owner's money is in flight.
gl-1840-merchant-payable-clearing MerchantPayableClearing internal — Holding GL for merchant-acquiring settlement. Card sales (every MerchantCardSale firing) credit here as the card network delivers the funds; merchant payouts (one of MerchantPayoutACH / Wire / Check, per the XOR chain) debit here when SNB releases the held balance to the merchant. Per-merchant balance equals sales-not-yet-paid-out.
gl-1850-cash-concentration-master ConcentrationMaster internal — Concentration target for SNB's ZBA (zero-balance account) operating sub-accounts. Every operating sub-account sweeps its EOD balance to this master; the master then makes a single aggregate transfer to the Fed. Reduces wire and ACH count vs. settling per sub-account.
gl-1899-internal-suspense-recon InternalSuspenseRecon internal — General-purpose suspense GL for entries that don't fit a more specific suspense account. Manual reconciliation entries (research adjustments, stale-suspense reclassifications) flow through here. Should be empty or near-empty on any given day.
gl-2010-dda-control DDAControl internal — Aggregate GL for all customer demand-deposit accounts. The customer DDA template (CustomerDDA role) rolls up to this control account. SNB's regulatory deposits balance is the sum of the children minus float in the suspense GLs.
gl-2020-merchant-dda-control MerchantDDAControl internal — Aggregate GL for all merchant demand-deposit accounts. Mirrors the customer DDA control but tracks the merchant-acquiring book (merchants who hold an SNB DDA receive ACH payouts directly to it; merchants banking elsewhere get wire / check payouts to external counterparties). Per-merchant LimitSchedules cap outbound payout flow per type.
ext-frb-snb-master ExternalCounterparty external — The Federal Reserve's authoritative record of SNB's settlement balance. SNB reconciles its CashDueFRB GL daily against the Fed statement; any disagreement is the canonical "regulatory drift" exception.
ext-payment-gateway-processor ExternalCounterparty external — Third-party card-network acquirer that force-posts daily card settlements to SNB's CardAcquiringSettlement GL. SNB reconciles processor reports against the GL to catch missed authorizations.
ext-card-network-acquirer ExternalCardNetwork external — The card network (Visa / MasterCard / etc.) that originates MerchantCardSale postings on SNB's books. Force-posts every sale leg via the daily settlement file; the daily aggregating ExternalCardSettlement rail bundles them and reports back the net.
ext-coffee-shop-supply-co ExternalCounterparty external — Commercial supplier counterparty for the coffee-retail customer cohort. Outbound ACH and wire payments to this party originate from the coffee-retailer DDAs.
ext-valley-grain-coop ExternalCounterparty external — Agricultural commercial counterparty. Inbound and outbound flows with farming-cooperative customers (Big Meadow Dairy, Cascade Timber Mill) settle through this entity.
ext-harvest-credit-exchange ExternalCounterparty external — Agricultural credit clearing counterparty. Inbound credit advances and outbound loan repayments for the farm-customer cohort flow through this party.

Account templates

Templates declare the SHAPE of a 1-of-many account class — the specific account instance is selected at posting time (typically from Transaction.Metadata). Customer DDAs, merchant settlement accounts, and per-product subledgers all live here.

Role Scope Parent role Description
CustomerDDA internal DDAControl Per-customer demand-deposit account. One runtime instance per retail or commercial customer; the account number and name are supplied by SNB's onboarding ETL. Balance and transaction activity are reconciled per-customer; the DDA Control GL is the aggregate roll-up.
MerchantDDA internal MerchantDDAControl Per-merchant demand-deposit account. Merchants who bank at SNB receive their card-sales payouts directly via the MerchantPayoutACH rail (one of the XOR payout vehicles). Merchants banking elsewhere get MerchantPayoutWire / Check to an external counterparty instead.
ZBASubAccount internal ConcentrationMaster Operating sub-account under the cash-concentration master. Each ZBA location (a customer's main location, a separate operating site, etc.) has its own sub-account; nightly sweeps zero them and consolidate the balance at the master.