Clutch · Schema
Clutch Account Opening Data Export record
Daily export of deposit/account opening applications, including fraud check, funding and core booking milestones. Derived from the published Clutch data dictionary at https://support.withclutch.com/support/solutions/articles/153000248799-data-exports-account-opening
CompanyCredit UnionsLendingLoan OriginationAccount OpeningFinancial ServicesFintechBankingData Exports
Properties
| Name | Type | Description |
|---|---|---|
| application_id | stringnull | String: a UUID that represents a unique account opening application. |
| applicant_id | stringnull | String: a UUID that represents an applicant (not unique — user_id is the unique ID per applicant). |
| account_nr | numbernull | Number: the account number in core, if an account was created. Null if no account was created. |
| applicant_name | stringnull | String: applicant's first and last name. Null if the user dropped off before identifying themselves. |
| applicant_email | stringnull | String: applicant's email address. Null if the user dropped off before identifying themselves. |
| member_nr | numbernull | Number: the user's member number in core. Null if the user wasn't an existing member and didn't finish the application. |
| applicant_phone | stringnull | String: applicant's phone number. Null if the user dropped off before identifying themselves. |
| applicant_address | stringnull | String: applicant's address. Null if the user dropped off before identifying themselves. |
| applicant_zipCode | stringnull | String: applicant's zip code. Null if the user dropped off before identifying themselves. |
| applicant_city | stringnull | String: applicant's city. Null if the user dropped off before identifying themselves. |
| applicant_state | stringnull | String: applicant's state. Null if the user dropped off before identifying themselves. |
| applicant_employer | stringnull | String: applicant's employer. Null if the user dropped off before identifying themselves. |
| applicant_job_title | stringnull | String: applicant's job title. Null if the user dropped off before identifying themselves. |
| eligibility_criteria | stringnull | String: applicant's eligibility criteria for membership. Null if the user dropped off before identifying themselves. |
| eligibility_detail | stringnull | String: details entered for the applicant's eligibility criteria. Null if the user dropped off before identifying themselves. |
| product_name | stringnull | String: the account name the user is applying for. Null if the user dropped off before selecting one. |
| product_type | stringnull | String: account type the user is applying for. Null if the user dropped off before selecting one. |
| is_new_member | booleannull | Boolean: true if the applicant was an existing member when the application started, false if not. |
| funding_type | stringnull | String: the funding method the applicant chose:; CREDIT_CARD: credit card; INTERNAL_ACCOUNT: transfer from an existing account at the credit union; ACH: transfer from an existing account at another in |
| funding_amnt | numbernull | Number: amount the user chose to fund the account with. |
| application_origin | stringnull | String: where the application originated: branch portal or consumer portal. |
| branch_name | stringnull | String: the name of the branch where the application is sitting. |
| branch_user_id | numbernull | Number: identifier of the employee responsible for the application. |
| employee_name | stringnull | String: first and last name of the employee responsible for the application. |
| application_status | stringnull | String: current status of the application. Possible values:; ACCEPTED: the application was successful and an account has been opened; INITIATED: the application started and is still in progress; FRAUD |
| account_status | stringnull | String: current status of the account. Possible values:; CREATED: the account has been opened; CANCELLED: the application was cancelled before an account was created; PENDING: the account opening proc |
| funding_status | stringnull | String: current status of the funding. Possible values:; COMPLETED: the account has been funded; CANCELLED_OR_REFUNDED: the application was cancelled before an account was created; CREATED / INITIATED |
| application_created_at | stringnull | Timestamp: date and time when the application started. |
| account_created_at | stringnull | Timestamp: date and time when the account was created. Deprecated — use account_booked_to_core_at instead. |
| application_updated_at | stringnull | Timestamp: date and time when this record was last updated. |
| received_AAN | booleannull | Boolean: true if the applicant received an Adverse Action Notice, false if not. |
| aan_created_at | stringnull | Timestamp: date and time when the Adverse Action Notice was sent. |
| aan_reason | stringnull | String: reason(s) the applicant received an Adverse Action Notice. |
| utm_source | stringnull | String: part of the URL used for tracking (must be present in the Clutch URL). |
| utm_medium | stringnull | String: part of the URL used for tracking (must be present in the Clutch URL). |
| utm_campaign | stringnull | String: part of the URL used for tracking (must be present in the Clutch URL). |
| utm_content | stringnull | String: part of the URL used for tracking (must be present in the Clutch URL). |
| utm_term | stringnull | String: part of the URL used for tracking (must be present in the Clutch URL). |
| funding_started_at | stringnull | Timestamp: date and time when the user chose a funding method (null if they didn't). |
| funding_authorized_at | stringnull | Timestamp: date and time when the user's funding was authorized (null if it wasn't). |
| fraud_check_approved_at | stringnull | Timestamp: date and time when the user was approved by the integrated fraud check flow (null if not applicable). |
| account_booked_to_core_at | stringnull | Timestamp: date and time when the user's account was booked to core (null if not applicable). |
| user_id | stringnull | String: a UUID that represents a unique applicant. |
| session_id | stringnull | String: an ID representing a unique user session. A session lasts up to 4 hours, or ends after 15 minutes of inactivity. |
| extra_fee | numbernull | Number: the extra fee applied, if any. Can be null. |
| accepted_tcpa_at | stringnull | Timestamp: date and time when TCPA was accepted (null if it wasn't). |
| fraud_check_entity_token | stringnull | String: an identifier for the fraud check token. Can be null. |
| account_id | stringnull | String: a UUID that represents a unique account. |
| citizenship | stringnull | String: applicant's citizenship. |
| handoff_type | stringnull | String: how the handoff for in-branch applications happened. Possible values: DIGITAL or NON_DIGITAL. |
| consent_type | stringnull | String: how consent for account opening was given. Possible values: DIGITAL_CONSENT (applicant clicked in the experience) or MANUAL_CONSENT (applicant gave consent to the employee assisting them). |
| account_features | arraynull | Array: list of features the applicant added to the account. |
| fraud_check_status | stringnull | String: most up-to-date fraud check status. Possible values:; APPROVED; DENIED; PENDING_USER_ACTION; REFER; ERROR |
| fraud_check_application_id | stringnull | String: an identifier for the fraud check application. Can be null. |
| promo_code | stringnull | String: promotional code entered during the application for special offers. |
| had_manual_review | booleannull | Boolean: whether a human had to intervene or manually review the application. |
| had_step_up | booleannull | Boolean: whether the user saw a step-up screen during the fraud check flow. |
| fraud_check_started_at | stringnull | Timestamp: date and time when the fraud check was started. |
| fraud_check_decision_made_at | stringnull | Timestamp: date and time when the fraud check was completed (application approved or declined). |
| device_id | stringnull | String: unique identifier for the device used to start the application session. |
| authentication_method | stringnull | String: the method used to authenticate the session that created the application. Possible values: sso, password. |
| referral_code | stringnull | String: referral code entered during the application (e.g., member-get-member or employee referral program). Null if no referral code was used. |
| fraud_check_tags | stringnull | String: fraud check tags associated with the application, returned as a semicolon-separated string. Null if no tags were returned. |
| Employee | stringnull | Count of Applications |
JSON Schema
{
"$schema": "https://json-schema.org/draft/2020-12/schema",
"$id": "https://raw.githubusercontent.com/api-evangelist/withclutch/refs/heads/main/json-schema/withclutch-account-opening.json",
"title": "Clutch Account Opening Data Export record",
"description": "Daily export of deposit/account opening applications, including fraud check, funding and core booking milestones. Derived from the published Clutch data dictionary at https://support.withclutch.com/support/solutions/articles/153000248799-data-exports-account-opening",
"x-provenance": {
"generated": "2026-08-05",
"method": "derived",
"source": "https://support.withclutch.com/support/solutions/articles/153000248799-data-exports-account-opening"
},
"type": "object",
"properties": {
"application_id": {
"type": [
"string",
"null"
],
"description": "String: a UUID that represents a unique account opening application."
},
"applicant_id": {
"type": [
"string",
"null"
],
"description": "String: a UUID that represents an applicant (not unique \u2014 user_id is the unique ID per applicant)."
},
"account_nr": {
"type": [
"number",
"null"
],
"description": "Number: the account number in core, if an account was created. Null if no account was created."
},
"applicant_name": {
"type": [
"string",
"null"
],
"description": "String: applicant's first and last name. Null if the user dropped off before identifying themselves."
},
"applicant_email": {
"type": [
"string",
"null"
],
"description": "String: applicant's email address. Null if the user dropped off before identifying themselves."
},
"member_nr": {
"type": [
"number",
"null"
],
"description": "Number: the user's member number in core. Null if the user wasn't an existing member and didn't finish the application."
},
"applicant_phone": {
"type": [
"string",
"null"
],
"description": "String: applicant's phone number. Null if the user dropped off before identifying themselves."
},
"applicant_address": {
"type": [
"string",
"null"
],
"description": "String: applicant's address. Null if the user dropped off before identifying themselves."
},
"applicant_zipCode": {
"type": [
"string",
"null"
],
"description": "String: applicant's zip code. Null if the user dropped off before identifying themselves."
},
"applicant_city": {
"type": [
"string",
"null"
],
"description": "String: applicant's city. Null if the user dropped off before identifying themselves."
},
"applicant_state": {
"type": [
"string",
"null"
],
"description": "String: applicant's state. Null if the user dropped off before identifying themselves."
},
"applicant_employer": {
"type": [
"string",
"null"
],
"description": "String: applicant's employer. Null if the user dropped off before identifying themselves."
},
"applicant_job_title": {
"type": [
"string",
"null"
],
"description": "String: applicant's job title. Null if the user dropped off before identifying themselves."
},
"eligibility_criteria": {
"type": [
"string",
"null"
],
"description": "String: applicant's eligibility criteria for membership. Null if the user dropped off before identifying themselves."
},
"eligibility_detail": {
"type": [
"string",
"null"
],
"description": "String: details entered for the applicant's eligibility criteria. Null if the user dropped off before identifying themselves."
},
"product_name": {
"type": [
"string",
"null"
],
"description": "String: the account name the user is applying for. Null if the user dropped off before selecting one."
},
"product_type": {
"type": [
"string",
"null"
],
"description": "String: account type the user is applying for. Null if the user dropped off before selecting one."
},
"is_new_member": {
"type": [
"boolean",
"null"
],
"description": "Boolean: true if the applicant was an existing member when the application started, false if not."
},
"funding_type": {
"type": [
"string",
"null"
],
"description": "String: the funding method the applicant chose:; CREDIT_CARD: credit card; INTERNAL_ACCOUNT: transfer from an existing account at the credit union; ACH: transfer from an existing account at another institution; CASH: cash; LFAO: funding performed by the credit union via internal transfer; NULL: user dropped off before choosing a funding method"
},
"funding_amnt": {
"type": [
"number",
"null"
],
"description": "Number: amount the user chose to fund the account with."
},
"application_origin": {
"type": [
"string",
"null"
],
"description": "String: where the application originated: branch portal or consumer portal."
},
"branch_name": {
"type": [
"string",
"null"
],
"description": "String: the name of the branch where the application is sitting."
},
"branch_user_id": {
"type": [
"number",
"null"
],
"description": "Number: identifier of the employee responsible for the application."
},
"employee_name": {
"type": [
"string",
"null"
],
"description": "String: first and last name of the employee responsible for the application."
},
"application_status": {
"type": [
"string",
"null"
],
"description": "String: current status of the application. Possible values:; ACCEPTED: the application was successful and an account has been opened; INITIATED: the application started and is still in progress; FRAUD_VERIFICATION: the fraud management review is in progress; DENIED: the application wasn't allowed to proceed; CANCELLED: the application started but didn't continue; ERROR: the application had an issue; EXTERNAL_FUNDING_CONFIRMATION: waiting for funding confirmation; LOAN_FIRST_DRAFT: a non-member submitted a loan application but an employee hasn't triggered account opening yet"
},
"account_status": {
"type": [
"string",
"null"
],
"description": "String: current status of the account. Possible values:; CREATED: the account has been opened; CANCELLED: the application was cancelled before an account was created; PENDING: the account opening process is still in progress"
},
"funding_status": {
"type": [
"string",
"null"
],
"description": "String: current status of the funding. Possible values:; COMPLETED: the account has been funded; CANCELLED_OR_REFUNDED: the application was cancelled before an account was created; CREATED / INITIATED / PENDING: funding is still in progress; ERROR: a funding issue occurred"
},
"application_created_at": {
"type": [
"string",
"null"
],
"description": "Timestamp: date and time when the application started.",
"format": "date-time"
},
"account_created_at": {
"type": [
"string",
"null"
],
"description": "Timestamp: date and time when the account was created. Deprecated \u2014 use account_booked_to_core_at instead.",
"format": "date-time"
},
"application_updated_at": {
"type": [
"string",
"null"
],
"description": "Timestamp: date and time when this record was last updated.",
"format": "date-time"
},
"received_AAN": {
"type": [
"boolean",
"null"
],
"description": "Boolean: true if the applicant received an Adverse Action Notice, false if not."
},
"aan_created_at": {
"type": [
"string",
"null"
],
"description": "Timestamp: date and time when the Adverse Action Notice was sent.",
"format": "date-time"
},
"aan_reason": {
"type": [
"string",
"null"
],
"description": "String: reason(s) the applicant received an Adverse Action Notice."
},
"utm_source": {
"type": [
"string",
"null"
],
"description": "String: part of the URL used for tracking (must be present in the Clutch URL)."
},
"utm_medium": {
"type": [
"string",
"null"
],
"description": "String: part of the URL used for tracking (must be present in the Clutch URL)."
},
"utm_campaign": {
"type": [
"string",
"null"
],
"description": "String: part of the URL used for tracking (must be present in the Clutch URL)."
},
"utm_content": {
"type": [
"string",
"null"
],
"description": "String: part of the URL used for tracking (must be present in the Clutch URL)."
},
"utm_term": {
"type": [
"string",
"null"
],
"description": "String: part of the URL used for tracking (must be present in the Clutch URL)."
},
"funding_started_at": {
"type": [
"string",
"null"
],
"description": "Timestamp: date and time when the user chose a funding method (null if they didn't).",
"format": "date-time"
},
"funding_authorized_at": {
"type": [
"string",
"null"
],
"description": "Timestamp: date and time when the user's funding was authorized (null if it wasn't).",
"format": "date-time"
},
"fraud_check_approved_at": {
"type": [
"string",
"null"
],
"description": "Timestamp: date and time when the user was approved by the integrated fraud check flow (null if not applicable).",
"format": "date-time"
},
"account_booked_to_core_at": {
"type": [
"string",
"null"
],
"description": "Timestamp: date and time when the user's account was booked to core (null if not applicable).",
"format": "date-time"
},
"user_id": {
"type": [
"string",
"null"
],
"description": "String: a UUID that represents a unique applicant."
},
"session_id": {
"type": [
"string",
"null"
],
"description": "String: an ID representing a unique user session. A session lasts up to 4 hours, or ends after 15 minutes of inactivity."
},
"extra_fee": {
"type": [
"number",
"null"
],
"description": "Number: the extra fee applied, if any. Can be null."
},
"accepted_tcpa_at": {
"type": [
"string",
"null"
],
"description": "Timestamp: date and time when TCPA was accepted (null if it wasn't).",
"format": "date-time"
},
"fraud_check_entity_token": {
"type": [
"string",
"null"
],
"description": "String: an identifier for the fraud check token. Can be null."
},
"account_id": {
"type": [
"string",
"null"
],
"description": "String: a UUID that represents a unique account."
},
"citizenship": {
"type": [
"string",
"null"
],
"description": "String: applicant's citizenship."
},
"handoff_type": {
"type": [
"string",
"null"
],
"description": "String: how the handoff for in-branch applications happened. Possible values: DIGITAL or NON_DIGITAL."
},
"consent_type": {
"type": [
"string",
"null"
],
"description": "String: how consent for account opening was given. Possible values: DIGITAL_CONSENT (applicant clicked in the experience) or MANUAL_CONSENT (applicant gave consent to the employee assisting them)."
},
"account_features": {
"type": [
"array",
"null"
],
"description": "Array: list of features the applicant added to the account.",
"items": {
"type": "string"
}
},
"fraud_check_status": {
"type": [
"string",
"null"
],
"description": "String: most up-to-date fraud check status. Possible values:; APPROVED; DENIED; PENDING_USER_ACTION; REFER; ERROR"
},
"fraud_check_application_id": {
"type": [
"string",
"null"
],
"description": "String: an identifier for the fraud check application. Can be null."
},
"promo_code": {
"type": [
"string",
"null"
],
"description": "String: promotional code entered during the application for special offers."
},
"had_manual_review": {
"type": [
"boolean",
"null"
],
"description": "Boolean: whether a human had to intervene or manually review the application."
},
"had_step_up": {
"type": [
"boolean",
"null"
],
"description": "Boolean: whether the user saw a step-up screen during the fraud check flow."
},
"fraud_check_started_at": {
"type": [
"string",
"null"
],
"description": "Timestamp: date and time when the fraud check was started.",
"format": "date-time"
},
"fraud_check_decision_made_at": {
"type": [
"string",
"null"
],
"description": "Timestamp: date and time when the fraud check was completed (application approved or declined).",
"format": "date-time"
},
"device_id": {
"type": [
"string",
"null"
],
"description": "String: unique identifier for the device used to start the application session."
},
"authentication_method": {
"type": [
"string",
"null"
],
"description": "String: the method used to authenticate the session that created the application. Possible values: sso, password."
},
"referral_code": {
"type": [
"string",
"null"
],
"description": "String: referral code entered during the application (e.g., member-get-member or employee referral program). Null if no referral code was used."
},
"fraud_check_tags": {
"type": [
"string",
"null"
],
"description": "String: fraud check tags associated with the application, returned as a semicolon-separated string. Null if no tags were returned."
},
"Employee": {
"type": [
"string",
"null"
],
"description": "Count of Applications"
}
}
}