Finicity to Meld Mappings

Note: You can always compare the raw responses from Finicity in the serviceProviderDetails section of a financial account.

Financial Account Base Fields

Identifiers

Balances

Owners

Transactions

Normalized Account Types and Subtypes

Financial Account Base Fields

This data comes from Finicity's /aggregation/v1/customers /{customerId}/institutionLogins /{institutionLoginId}/accounts/ endpoint and is returned from Meld's /bank-linking/accounts endpoint.

Meld	Description	Finicity Response Field
name	The account name	name
truncated AccountNumber	The last 4 digits of the account number	realAccountNumberLast4 If null: accountNumberDisplay
status	The real-time status of the account	status Possible values: - `PENDING` - `ACTIVE`
type	The type of the account. Mapped to a Meld standardized type	type
subtype	The subtype of the account. Mapped to a Meld standardized subtype based on the type	None. Meld subtype determined from Finicity type.

Product: Identifiers

This data comes from Finicity's /aggregation/v1/customers /{customerId}/accounts /{accountId}/details endpoint and is returned from Meld's /bank-linking/accounts endpoint.

Meld	Description	Finicity Response Field
ach	ACH data object
accountNumber	The account number	realAccountNumber
routingNumber	The account routing number. Reference Routing number	routingNumber
eft	EFT data object
accountNumber	The account number	None
institutionNumber	The account institution number	None
branchNumber	The institution branch number	None
international	International data object
iban	The International Bank Account Number (IBAN) for the financial account	None
bic	The Bank Identifier Code (BIC) for the financial account	None
bacs	The BACS data object
accountNumber	BACS account number	None
sortCode	BACS sort code	None

Product: Balances

This data comes from Finicity's /aggregation/v1/customers /{customerId}/institutionLogins /{institutionLoginId}/accounts/ endpoint and is returned from Meld's /bank-linking/accounts endpoint.

Meld	Description	Finicity Response Field
currency	The currency of the account balance	currency
currentAmount	The current amount in the account	balance
availableAmount	The available amount in the account	balance
updatedAt	The last time balances were updated	balanceDate

Product: Owners

This data comes from Finicity's /aggregation/v1/customers /{customerId}/accounts /{accountId}/owner endpoint and is returned from Meld's /bank-linking/accounts endpoint.

Meld Field	Description	Finicity Response Field
addresses	The address(es) associated with this owner
data	The address data object
street	The street and residence number	None
city	The city	None
region	The region/state	None
postalCode	The postal or zip code	None
country	The ISO 3166-1 alpha-2 country code	None
full	The full unparsed address	ownerAddress
primary	Indicates if this is the owner's primary residence	Does not provide. Meld will default to`Primary.UNKNOWN`
emails	The email(s) associated with this owner
data	The email address	None
primary	Indicates if this is the owner's primary email	None
names	The name(s) of this owner	ownerName
phoneNumbers	The phone number(s) associated with this owner
data	The phone number	None
primary	Indicates if this is the owner's primary phone number	None

Product: Transactions

This data comes from Finicity's /aggregation/v3/customers /{customerId}/accounts /{accountId}/transactions endpoint and is returned from Meld's /bank-linking/transactions endpoint.

Finicity's transaction signs (positive and negative) are inverted when mapped to make the behavior consistent with other providers. You can find more information on signage here.

Meld	Description	Finicity Response Field
amount	The amount of the transaction	amount
currency	The currency used in the transaction	currencySymbol If null: Meld will default to `USD`
payee	The recipient of the transaction	description
status	The status of the transaction	status - If returns `Active`, Meld will populate the value as `POSTED` - If returns `Pending`, Meld will populate the value as `PENDING` - If returns `Shadow`, Meld will populate the value as `SHADOW` Note: Some institutions continue to modify or delete transactions long after they are first posted to the institution’s data feed. This practice can cause Finicity transactions to appear as duplicates, or to continue to appear in the Finicity data after they have disappeared from the institution’s current website. Finicity has added the ability to identify transactions that were found in an earlier aggregation of an account, but are not found in the institution’s current data source. These `SHADOW` transactions are identified in the `transaction record`.
transactionDate	The date and time the transaction was made	transactionDate If null: postedDate
postedDate	The date and time the transaction was posted	postedDate

Product: Investment Holdings

This data comes from Finicity's /investments/holdings/get endpoint and is returned from Meld's /bank-linking/investments/holdings endpoint.

Meld Field	Description	Finicity Response Field
symbol	The symbol of the security	symbol
quantity	The number of shares of the security	units
currentValue	The total current value of the holding	marketValue
costBasis	The purchase price of the holding, per share	cost_basis
currencyCode	The ISO currency code that was used to purchase the holding	securityCurrency
updatedAt	The last time the details of this holding were updated	currentPriceDate
description	A description of the holding	Not Available
closePrice	The price of the security at last market close	Not Available
isin	The global ISO number for an individual security.	Securities.isin
cusip	A shortened version of the isin used for North American securities.	cusipNo
type	The type of holding (ex: stock, etf). This is normalized across providers.	securityType

Product: Investment Transactions

This data comes from Finicity's /investments/transactions/get endpoint and is returned from Meld's /bank-linking/investments/transactions endpoint.

Meld Field	Description	Finicty Response Field
symbol	The symbol of the security	symbol
quantity	The number of shares of the security	unitQuantity
costBasis	The purchase price of the holding, per share	costBasis
cashBalance	The cash balance of the account after the transaction	Not Available
accountId	The Id of the financial account	accountId
amount	The total currency involved in the transaction	amount
currency	The ISO currency code that was used to purchase the holding	currencySymbol
description	A description of the transaction	description
status	The status of the transaction	status - If returns `Active`, Meld will populate the value as `POSTED` - If returns `Pending`, Meld will populate the value as `PENDING` - If returns `Shadow`, Meld will populate the value as `PENDING` Note: Some institutions continue to modify or delete investment transactions long after they are first posted to the institution’s data feed. This practice can cause Finicity transactions to appear as duplicates, or to continue to appear in the Finicity data after they have disappeared from the institution’s current website. Finicity has added the ability to identify transactions that were found in an earlier aggregation of an account, but are not found in the institution’s current data source. These `SHADOW` transactions are identified in the `transaction record`.
transactionDate	The date the transaction was initiated	transactionDate
postedDate	The date the transaction was finalized	postedDate