Studio editor — account

ID: gl-1010-cash-due-frb
Scope: internal
Display name: Cash & Due From Federal Reserve
Role: CashDueFRB
Parent role: —
Expected EOD balance: —
Description: 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.

ID: gl-1810-ach-orig-settlement
Scope: internal
Display name: ACH Origination Settlement
Role: ACHOrigSettlement
Parent role: —
Expected EOD balance: 0
Description: 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.

ID: gl-1815-card-acquiring-settlement
Scope: internal
Display name: Card Acquiring Settlement
Role: CardAcquiringSettlement
Parent role: —
Expected EOD balance: —
Description: 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.

ID: gl-1820-wire-settlement-suspense
Scope: internal
Display name: Wire Settlement Suspense
Role: WireSettlementSuspense
Parent role: —
Expected EOD balance: —
Description: 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.

ID: gl-1830-internal-transfer-suspense
Scope: internal
Display name: Internal Transfer Suspense
Role: InternalTransferSuspense
Parent role: —
Expected EOD balance: 0
Description: 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.

ID: gl-1840-merchant-payable-clearing
Scope: internal
Display name: Merchant Payable Clearing
Role: MerchantPayableClearing
Parent role: —
Expected EOD balance: —
Description: 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.

ID: gl-1850-cash-concentration-master
Scope: internal
Display name: Cash Concentration Master
Role: ConcentrationMaster
Expected EOD balance: —
Description: 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.

ID: gl-1899-internal-suspense-recon
Scope: internal
Display name: Internal Suspense / Reconciliation
Role: InternalSuspenseRecon
Parent role: —
Expected EOD balance: 0
Description: 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.

ID: gl-2010-dda-control
Scope: internal
Display name: Customer Deposits — DDA Control
Role: DDAControl
Expected EOD balance: —
Description: 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.

ID: gl-2020-merchant-dda-control
Scope: internal
Display name: Merchant Deposits — DDA Control
Role: MerchantDDAControl
Expected EOD balance: —
Description: 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.

ID: ext-frb-snb-master
Scope: external
Display name: Federal Reserve Bank — SNB Master
Role: ExternalCounterparty
Parent role: —
Expected EOD balance: —
Description: 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.

ID: ext-payment-gateway-processor
Scope: external
Display name: Payment Gateway Processor
Role: ExternalCounterparty
Parent role: —
Expected EOD balance: —
Description: 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.

ID: ext-card-network-acquirer
Scope: external
Display name: Card Network Acquirer
Role: ExternalCardNetwork
Parent role: —
Expected EOD balance: —
Description: 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.

ID: ext-coffee-shop-supply-co
Scope: external
Display name: Coffee Shop Supply Co
Role: ExternalCounterparty
Parent role: —
Expected EOD balance: —
Description: Commercial supplier counterparty for the coffee-retail customer cohort. Outbound ACH and wire payments to this party originate from the coffee-retailer DDAs.

ID: ext-valley-grain-coop
Scope: external
Display name: Valley Grain Co-op
Role: ExternalCounterparty
Parent role: —
Expected EOD balance: —
Description: Agricultural commercial counterparty. Inbound and outbound flows with farming-cooperative customers (Big Meadow Dairy, Cascade Timber Mill) settle through this entity.

ID: ext-harvest-credit-exchange
Scope: external
Display name: Harvest Credit Exchange
Role: ExternalCounterparty
Parent role: —
Expected EOD balance: —
Description: Agricultural credit clearing counterparty. Inbound credit advances and outbound loan repayments for the farm-customer cohort flow through this party.