DDAControl::CustomerOutboundACH::Outbound
- Parent role
- DDAControl
- Rail
- CustomerOutboundACH
- Cap
- 12000.0
- Direction
- Outbound
- Description
- $12,000 daily ACH outbound cap per customer DDA. Mirrors the
legacy AR policy. Breaches surface on the Today's Exceptions
sheet's Limit Breach check.
DDAControl::CustomerOutboundWire::Outbound
- Parent role
- DDAControl
- Rail
- CustomerOutboundWire
- Cap
- 15000.0
- Direction
- Outbound
- Description
- $15,000 daily wire outbound cap per customer DDA. Higher than
the ACH cap because wires are typically larger but lower-volume
and higher-friction (Fedwire fees, real-time settlement).
DDAControl::CustomerCashWithdrawal::Outbound
- Parent role
- DDAControl
- Rail
- CustomerCashWithdrawal
- Cap
- 10000.0
- Direction
- Outbound
- Description
- $10,000 daily cash withdrawal cap per customer DDA. Aligns with
the federal currency-transaction-reporting threshold so SNB
surfaces the breach for compliance review even when it's
otherwise within policy.
MerchantDDAControl::MerchantPayoutACH::Outbound
- Parent role
- MerchantDDAControl
- Rail
- MerchantPayoutACH
- Cap
- 50000.0
- Direction
- Outbound
- Description
- $50,000 daily ACH payout cap per merchant DDA. Sized to
accommodate normal small-merchant settlement volumes (a coffee
shop's daily card sales rarely exceed this). Larger merchants
negotiate elevated caps via SNB onboarding.
MerchantDDAControl::MerchantPayoutWire::Outbound
- Parent role
- MerchantDDAControl
- Rail
- MerchantPayoutWire
- Cap
- 100000.0
- Direction
- Outbound
- Description
- $100,000 daily wire payout cap per merchant DDA. Sized higher
than the ACH payout cap — merchants choosing wire delivery are
typically higher-volume operations where the per-transaction
Fedwire cost is justified.
MerchantDDAControl::MerchantPayoutCheck::Outbound
- Parent role
- MerchantDDAControl
- Rail
- MerchantPayoutCheck
- Cap
- 25000.0
- Direction
- Outbound
- Description
- $25,000 daily check payout cap per merchant DDA. Lower than the
ACH cap because check-payout merchants are by definition
lower-tech / lower-volume operations; SNB caps aggressive
check issuance to surface anomalies.
DDAControl::CustomerInboundACH::Inbound
- Parent role
- DDAControl
- Rail
- CustomerInboundACH
- Cap
- 20000.0
- Direction
- Inbound
- Description
- AB.1 (2026-05-19): $20,000 daily ACH inbound cap per customer DDA.
AML / structuring threshold — modeled after the federal
currency-transaction-reporting rule but applied to ACH inbound
volume so SNB compliance surfaces aggregated deposits that
approach the threshold from below. Breaches surface on the
Inbound branch of the L1 Limit Breach matview (UNION ALL split)
and route to the AML review queue, distinct from the operations
triage queue that the Outbound payout breaches use.