Checking data methodology

This page describes the release rules for SwitchWize's approved checking dataset. It does not imply that a current release exists.

Check current category status

Required evidence and freshness

A current release uses evidence no older than 72 hours at publication. Every displayed metric and required term has its own source receipt.

• A current release needs editor approval, a source receipt for every displayed metric and required term, and no unresolved exclusions.
• Current releases require official or government evidence. An aggregator observation alone cannot approve a current rate.
• Missing, conflicting, future-dated, or stale evidence excludes a record from a current release.
• Rates and terms may change after the evidence time; check the issuer before applying.

Product qualification

A checking record needs its own fee, ATM, overdraft, and direct-deposit evidence. A savings observation cannot stand in for checking terms.

Fields we require

Metric convention: headline_apy.

• minimum_balance_usd
• monthly_fee_usd
• insurance_agency
• apy_tiers
• apy_qualification
• fee_waiver_conditions
• geographic_eligibility
• bonus_offer
• overdraft_fee_usd
• atm_fee_usd
• direct_deposit_required

Ordering

The approved deposit feed orders current records by headline APY descending, then stable record ID. This is a rate order; account fees and direct-deposit requirements must be read alongside it.

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