Traceable to the row
Each signal shows the activity it was computed from. Open any figure and read the transactions producing it.
Existing portfolio monitoring
See what changed before the payment does.
A borrower can still be current while cash activity begins to move in the wrong direction.
CircumFi turns available account activity into inspectable trend evidence, then routes the case to your team for review. Your policy and your people decide what happens next.
Fits alongside your servicing, payment, and document systems.
From activity to evidence
Follow the same borrower through three layers.
The example keeps the math visible: inspect the ledger, compare two 90-day windows, then see why the case enters a human review queue. The starting points reflect commonly used practices; each lender sets thresholds to its own policy.
01 · Inspect
Raw activity
Aug 27, 2024–Mar 10, 2026. 764 transactions, 61 of them deposits. Opening balance $3,628.66; closing balance $1,469.81.
Every transaction, in order
The account exactly as it was exported: real dates, real amounts, nothing classified or summarised. Borrower, institution and account details have been removed.
| Date | Description | Amount | Balance |
|---|---|---|---|
| Aug 27, 2024 | Primary customer payment — ACH | $4,355.36 | $7,984.02 |
| Aug 27, 2024 | Seneca One Stop | -$21.06 | $7,962.96 |
| Aug 27, 2024 | Primary customer payment — ACH | $4,763.11 | $12,726.07 |
| Aug 27, 2024 | Insurance premium — ACH | -$305.45 | $12,420.62 |
| Aug 27, 2024 | Branch withdrawal | -$3,400.00 | $9,020.62 |
| Aug 28, 2024 | Sunoco | -$12.06 | $9,008.56 |
| Aug 30, 2024 | ATM withdrawal fee | -$9.00 | $8,999.56 |
| Sep 3, 2024 | Wine & Liq | -$74.00 | $8,925.56 |
| Sep 3, 2024 | Fastrac | -$8.01 | $8,917.55 |
| Sep 3, 2024 | Aldi | -$13.95 | $8,903.60 |
| Sep 3, 2024 | Wine & Spirits | -$8.00 | $8,895.60 |
| Sep 3, 2024 | Out The Door Liquors | -$48.00 | $8,847.60 |
| Sep 4, 2024 | ATM deposit | $100.00 | $8,947.60 |
| Sep 4, 2024 | ATM deposit | $300.00 | $9,247.60 |
| Sep 4, 2024 | Card purchase | -$5.48 | $9,242.12 |
| Sep 6, 2024 | Sunoco | -$11.32 | $9,230.80 |
| Sep 6, 2024 | Speedway | -$11.78 | $9,219.02 |
| Sep 9, 2024 | Sunoco | -$12.00 | $9,207.02 |
| Sep 9, 2024 | Transfer to linked account | -$320.00 | $8,887.02 |
| Sep 9, 2024 | Sunoco | -$13.43 | $8,873.59 |
| Sep 10, 2024 | Prime Food And | -$5.00 | $8,868.59 |
| Sep 11, 2024 | Sunoco | -$12.82 | $8,855.77 |
| Sep 12, 2024 | Fastrac | -$12.99 | $8,842.78 |
| Sep 13, 2024 | Speedway | -$8.17 | $8,834.61 |
| Sep 13, 2024 | Lucky's Food Market | -$50.96 | $8,783.65 |
| Sep 16, 2024 | Universal Liquor And W | -$18.00 | $8,765.65 |
| Sep 16, 2024 | Fastrac | -$13.87 | $8,751.78 |
| Sep 16, 2024 | Out The Door Liquors | -$32.00 | $8,719.78 |
| Sep 16, 2024 | Prime Food And | -$6.90 | $8,712.88 |
| Sep 16, 2024 | Seneca One Stop | -$18.00 | $8,694.88 |
| Sep 16, 2024 | Fastrac | -$10.02 | $8,684.86 |
| Sep 16, 2024 | Prime Food And | -$5.40 | $8,679.46 |
| Sep 16, 2024 | Branch withdrawal | -$900.00 | $7,779.46 |
| Sep 17, 2024 | Fastrac | -$10.02 | $7,769.44 |
| Sep 17, 2024 | Secondary customer payment — ACH | -$239.40 | $7,530.04 |
| Sep 18, 2024 | Raymondo's Pizzeria | -$42.25 | $7,487.79 |
| Sep 20, 2024 | Secondary customer payment — ACH | $76.13 | $7,563.92 |
| Sep 20, 2024 | ATM deposit | $710.00 | $8,273.92 |
| Sep 23, 2024 | Chili's | -$42.94 | $8,230.98 |
| Sep 23, 2024 | Sunoco | -$10.03 | $8,220.95 |
| Sep 23, 2024 | Sunoco | -$12.45 | $8,208.50 |
| Sep 23, 2024 | Wine & Liq | -$33.01 | $8,175.49 |
| Sep 23, 2024 | NYC Market | -$7.24 | $8,168.25 |
| Sep 23, 2024 | Wendy's | -$7.07 | $8,161.18 |
| Sep 23, 2024 | Shepherd's Liquor Store | -$15.00 | $8,146.18 |
| Sep 23, 2024 | Card purchase | -$8.00 | $8,138.18 |
| Sep 24, 2024 | Branch withdrawal | -$325.00 | $7,813.18 |
| Sep 25, 2024 | Prime Food And | -$4.00 | $7,809.18 |
| Sep 25, 2024 | Fastrac | -$9.66 | $7,799.52 |
| Sep 26, 2024 | Transfer to linked account | -$1,400.00 | $6,399.52 |
| Sep 26, 2024 | Speedway | -$7.92 | $6,391.60 |
| Sep 26, 2024 | CSC Serviceworks | -$2.50 | $6,389.10 |
| Sep 27, 2024 | Branch withdrawal | -$5,983.00 | $406.10 |
| Sep 27, 2024 | Primary customer payment — ACH | $4,626.35 | $5,032.45 |
| Sep 27, 2024 | Primary customer payment — ACH | $4,298.80 | $9,331.25 |
| Sep 27, 2024 | Sunoco | -$9.97 | $9,321.28 |
| Sep 27, 2024 | Insurance premium — ACH | -$305.45 | $9,015.83 |
| Sep 30, 2024 | Family Dollar | -$16.90 | $8,998.93 |
| Sep 30, 2024 | Speedway | -$8.02 | $8,990.91 |
| Sep 30, 2024 | Fastrac | -$14.63 | $8,976.28 |
| Oct 1, 2024 | Fastrac | -$10.01 | $8,966.27 |
| Oct 2, 2024 | Card purchase | -$10.00 | $8,956.27 |
| Oct 2, 2024 | Fastrac | -$10.27 | $8,946.00 |
| Oct 3, 2024 | ATM withdrawal | -$102.75 | $8,843.25 |
| Oct 3, 2024 | Speedway | -$7.10 | $8,836.15 |
| Oct 3, 2024 | Liberty Mutual | -$469.85 | $8,366.30 |
| Oct 3, 2024 | Delta Sonic | -$12.03 | $8,354.27 |
| Oct 4, 2024 | Fastrac | -$10.00 | $8,344.27 |
| Oct 4, 2024 | Queen City Storage | -$150.00 | $8,194.27 |
| Oct 4, 2024 | Super Power | -$7.91 | $8,186.36 |
| Oct 7, 2024 | Market And Deli | -$6.76 | $8,179.60 |
| Oct 7, 2024 | Stop & Shop | -$5.49 | $8,174.11 |
| Oct 8, 2024 | Fastrac | -$9.05 | $8,165.06 |
| Oct 9, 2024 | ATM deposit | $500.00 | $8,665.06 |
| Oct 9, 2024 | Super Power | -$9.87 | $8,655.19 |
| Oct 10, 2024 | Fastrac | -$12.14 | $8,643.05 |
| Oct 11, 2024 | Sunoco | -$10.00 | $8,633.05 |
| Oct 15, 2024 | Boost Mobile | -$89.83 | $8,543.22 |
| Oct 15, 2024 | Fastrac | -$10.00 | $8,533.22 |
| Oct 16, 2024 | Sunoco | -$15.00 | $8,518.22 |
| Oct 16, 2024 | Speedway | -$6.78 | $8,511.44 |
| Oct 18, 2024 | Wine & Spirits | -$7.05 | $8,504.39 |
| Oct 21, 2024 | Fastrac | -$10.00 | $8,494.39 |
| Oct 24, 2024 | Card purchase | -$225.31 | $8,269.08 |
| Oct 25, 2024 | Primary customer payment — ACH | $3,032.41 | $11,301.49 |
| Oct 25, 2024 | Primary customer payment — ACH | $4,429.36 | $15,730.85 |
| Oct 25, 2024 | Branch withdrawal | -$1,460.00 | $14,270.85 |
| Oct 25, 2024 | Branch withdrawal | -$3,540.00 | $10,730.85 |
| Oct 25, 2024 | Speedway | -$13.88 | $10,716.97 |
| Oct 25, 2024 | Sunoco | -$7.40 | $10,709.57 |
| Oct 28, 2024 | Insurance premium — ACH | -$305.45 | $10,404.12 |
| Oct 30, 2024 | Transfer to linked account | -$550.00 | $9,854.12 |
| Oct 31, 2024 | ATM withdrawal fee | -$3.00 | $9,851.12 |
| Nov 1, 2024 | ATM deposit | $100.00 | $9,951.12 |
| Nov 1, 2024 | ATM deposit | $400.00 | $10,351.12 |
| Nov 1, 2024 | Sunoco | -$15.00 | $10,336.12 |
| Nov 4, 2024 | Transfer to linked account | -$520.00 | $9,816.12 |
| Nov 4, 2024 | Universal Liquor And W | -$43.00 | $9,773.12 |
| Nov 6, 2024 | Jims Steakout | -$24.88 | $9,748.24 |
| Nov 13, 2024 | Card purchase | -$8.00 | $9,740.24 |
| Nov 13, 2024 | Seneca One Stop | -$20.00 | $9,720.24 |
| Nov 14, 2024 | Boost Mobile | -$90.00 | $9,630.24 |
| Nov 18, 2024 | Fastrac | -$10.01 | $9,620.23 |
| Nov 20, 2024 | 1800accountant | -$464.84 | $9,155.39 |
| Nov 20, 2024 | Seneca One Stop | -$15.02 | $9,140.37 |
| Nov 22, 2024 | Five Guys | -$28.86 | $9,111.51 |
| Nov 27, 2024 | Insurance premium — ACH | -$305.45 | $8,806.06 |
| Nov 27, 2024 | Primary customer payment — ACH | $2,604.01 | $11,410.07 |
| Nov 27, 2024 | Primary customer payment — ACH | $4,504.28 | $15,914.35 |
| Nov 27, 2024 | Branch withdrawal | -$4,900.00 | $11,014.35 |
| Dec 2, 2024 | Lucky Mart Inc | -$40.00 | $10,974.35 |
| Dec 2, 2024 | Transfer to linked account | -$500.00 | $10,474.35 |
| Dec 2, 2024 | Rainbow Shops | -$35.00 | $10,439.35 |
| Dec 2, 2024 | AutoZone | -$14.12 | $10,425.23 |
| Dec 2, 2024 | Fastrac | -$13.87 | $10,411.36 |
| Dec 6, 2024 | Sunoco | -$14.78 | $10,396.58 |
| Dec 6, 2024 | Sunoco | -$10.04 | $10,386.54 |
| Dec 6, 2024 | Speedway | -$7.01 | $10,379.53 |
| Dec 6, 2024 | Prime Food And | -$4.40 | $10,375.13 |
| Dec 9, 2024 | Gabriel Brothers | -$30.93 | $10,344.20 |
| Dec 9, 2024 | Sunoco | -$12.02 | $10,332.18 |
| Dec 10, 2024 | Stop & Shop | -$5.49 | $10,326.69 |
| Dec 10, 2024 | Xpress Lane | -$3.00 | $10,323.69 |
| Dec 11, 2024 | Sunoco | -$10.00 | $10,313.69 |
| Dec 11, 2024 | Secondary customer payment — ACH | -$51.58 | $10,262.11 |
| Dec 13, 2024 | Fastrac | -$15.01 | $10,247.10 |
| Dec 13, 2024 | Transfer to linked account | -$100.00 | $10,147.10 |
| Dec 16, 2024 | Fastrac | -$12.40 | $10,134.70 |
| Dec 16, 2024 | AutoZone | -$68.72 | $10,065.98 |
| Dec 17, 2024 | Gabriel Brothers | -$260.99 | $9,804.99 |
| Dec 18, 2024 | Transfer to linked account | -$300.00 | $9,504.99 |
| Dec 19, 2024 | Transfer to linked account | -$1,810.00 | $7,694.99 |
| Dec 20, 2024 | Speedway | -$10.60 | $7,684.39 |
| Dec 23, 2024 | Fastrac | -$10.14 | $7,674.25 |
| Dec 23, 2024 | Regal | -$97.93 | $7,576.32 |
| Dec 23, 2024 | Branch deposit | $180.00 | $7,756.32 |
| Dec 23, 2024 | COACH | -$144.32 | $7,612.00 |
| Dec 23, 2024 | 1800accountant | -$464.84 | $7,147.16 |
| Dec 23, 2024 | Transfer to linked account | -$400.00 | $6,747.16 |
| Dec 24, 2024 | Gabriel Brothers | -$61.37 | $6,685.79 |
| Dec 24, 2024 | Dollar Tree | -$29.91 | $6,655.88 |
| Dec 24, 2024 | Five Below | -$32.14 | $6,623.74 |
| Dec 24, 2024 | Walmart | -$86.71 | $6,537.03 |
| Dec 24, 2024 | Aldi | -$58.91 | $6,478.12 |
| Dec 24, 2024 | Speedway | -$8.78 | $6,469.34 |
| Dec 24, 2024 | Chili's | -$46.20 | $6,423.14 |
| Dec 24, 2024 | Out The Door Liquors | -$39.00 | $6,384.14 |
| Dec 24, 2024 | Prime Food And | -$6.90 | $6,377.24 |
| Dec 26, 2024 | Tops | -$15.29 | $6,361.95 |
| Dec 26, 2024 | Universal Liquor And W | -$80.00 | $6,281.95 |
| Dec 26, 2024 | Lucky's Food Market | -$10.40 | $6,271.55 |
| Dec 26, 2024 | Burger King | -$9.36 | $6,262.19 |
| Dec 26, 2024 | Tops | -$32.00 | $6,230.19 |
| Dec 27, 2024 | Branch withdrawal | -$2,115.00 | $4,115.19 |
| Dec 27, 2024 | Primary customer payment — ACH | $2,511.70 | $6,626.89 |
| Dec 27, 2024 | Primary customer payment — ACH | $4,504.28 | $11,131.17 |
| Dec 30, 2024 | Transfer to linked account | -$700.00 | $10,431.17 |
| Dec 30, 2024 | Sunoco | -$15.00 | $10,416.17 |
| Dec 30, 2024 | Just Pizza Elmwood | -$23.65 | $10,392.52 |
| Dec 30, 2024 | Tops Friendly Markets Fuel | -$12.00 | $10,380.52 |
| Dec 30, 2024 | ATM withdrawal | -$160.00 | $10,220.52 |
| Jan 2, 2025 | Universal Liquor And W | -$50.00 | $10,170.52 |
| Jan 6, 2025 | Boost Mobile | -$163.11 | $10,007.41 |
| Jan 10, 2025 | Speedway | -$9.00 | $9,998.41 |
| Jan 13, 2025 | Franco S Pizza | -$8.37 | $9,990.04 |
| Jan 13, 2025 | Out The Door Liquors | -$53.00 | $9,937.04 |
| Jan 14, 2025 | Fastrac | -$12.01 | $9,925.03 |
| Jan 16, 2025 | Kensington & Poultney | -$8.99 | $9,916.04 |
| Jan 16, 2025 | Seneca One Stop | -$14.00 | $9,902.04 |
| Jan 17, 2025 | Raymondo's Pizzeria | -$29.01 | $9,873.03 |
| Jan 17, 2025 | Fastrac | -$13.00 | $9,860.03 |
| Jan 17, 2025 | Wendy's | -$13.05 | $9,846.98 |
| Jan 23, 2025 | Kingcity Fashion | -$5.00 | $9,841.98 |
| Jan 27, 2025 | PriceRite | -$79.80 | $9,762.18 |
| Jan 27, 2025 | Universal Liquor And W | -$20.00 | $9,742.18 |
| Jan 27, 2025 | Card purchase | -$30.00 | $9,712.18 |
| Jan 27, 2025 | Primary customer payment — ACH | $4,266.18 | $13,978.36 |
| Jan 27, 2025 | Primary customer payment — ACH | $2,603.70 | $16,582.06 |
| Jan 27, 2025 | Transfer to linked account | -$4,300.00 | $12,282.06 |
| Jan 27, 2025 | Prime Food And | -$5.40 | $12,276.66 |
| Jan 29, 2025 | Fastrac | -$14.49 | $12,262.17 |
| Jan 29, 2025 | Charles Velu | -$200.00 | $12,062.17 |
| Jan 30, 2025 | Transfer to linked account | -$535.00 | $11,527.17 |
| Jan 30, 2025 | Sunoco | -$8.04 | $11,519.13 |
| Jan 30, 2025 | Fastrac | -$12.61 | $11,506.52 |
| Feb 3, 2025 | Wendy's | -$22.83 | $11,483.69 |
| Feb 3, 2025 | Right Price Liquor Wine | -$45.00 | $11,438.69 |
| Feb 3, 2025 | Xpress Lane | -$10.00 | $11,428.69 |
| Feb 3, 2025 | Sunoco | -$10.00 | $11,418.69 |
| Feb 4, 2025 | Transfer to linked account | -$925.00 | $10,493.69 |
| Feb 5, 2025 | Transfer to linked account | -$170.00 | $10,323.69 |
| Feb 10, 2025 | Seneca One Stop | -$15.10 | $10,308.59 |
| Feb 10, 2025 | Sunoco | -$10.02 | $10,298.57 |
| Feb 10, 2025 | Kensington & Poultney | -$5.49 | $10,293.08 |
| Feb 18, 2025 | Chick-fil-A | -$13.87 | $10,279.21 |
| Feb 18, 2025 | Speedway | -$1.78 | $10,277.43 |
| Feb 18, 2025 | Boost Mobile | -$90.00 | $10,187.43 |
| Feb 18, 2025 | Sunoco | -$10.01 | $10,177.42 |
| Feb 18, 2025 | Universal Liquor And W | -$60.00 | $10,117.42 |
| Feb 20, 2025 | Transfer to linked account | -$520.00 | $9,597.42 |
| Feb 24, 2025 | Fastrac | -$10.02 | $9,587.40 |
| Feb 24, 2025 | Branch withdrawal | -$1,940.00 | $7,647.40 |
| Feb 26, 2025 | ATM deposit | $240.00 | $7,887.40 |
| Feb 27, 2025 | Seneca One Stop | -$13.04 | $7,874.36 |
| Feb 27, 2025 | Primary customer payment — ACH | $2,632.71 | $10,507.07 |
| Feb 27, 2025 | Primary customer payment — ACH | $3,885.77 | $14,392.84 |
| Feb 27, 2025 | Branch withdrawal | -$1,000.00 | $13,392.84 |
| Feb 27, 2025 | Insurance premium — ACH | -$297.90 | $13,094.94 |
| Feb 27, 2025 | Branch withdrawal | -$2,000.00 | $11,094.94 |
| Mar 3, 2025 | ATM withdrawal | -$60.00 | $11,034.94 |
| Mar 3, 2025 | ATM withdrawal | -$300.00 | $10,734.94 |
| Mar 3, 2025 | Kensington & Poultney | -$6.49 | $10,728.45 |
| Mar 3, 2025 | La Nova Pizzeria | -$38.05 | $10,690.40 |
| Mar 3, 2025 | Card purchase | -$9.89 | $10,680.51 |
| Mar 5, 2025 | Branch withdrawal | -$900.00 | $9,780.51 |
| Mar 7, 2025 | Family Dollar | -$4.51 | $9,776.00 |
| Mar 7, 2025 | Ravidassia Ban | -$1.08 | $9,774.92 |
| Mar 7, 2025 | Speedway | -$8.00 | $9,766.92 |
| Mar 7, 2025 | Sunoco | -$12.02 | $9,754.90 |
| Mar 7, 2025 | Speedway | -$7.08 | $9,747.82 |
| Mar 7, 2025 | Ravidassia Ban | -$5.45 | $9,742.37 |
| Mar 10, 2025 | Queen City Storage | -$3.26 | $9,739.11 |
| Mar 10, 2025 | Card purchase | -$11.95 | $9,727.16 |
| Mar 10, 2025 | Prime Food And | -$5.00 | $9,722.16 |
| Mar 10, 2025 | Gabriel Brothers | -$37.33 | $9,684.83 |
| Mar 10, 2025 | Speedway | -$1.79 | $9,683.04 |
| Mar 10, 2025 | Lucky's Food Market | -$5.20 | $9,677.84 |
| Mar 10, 2025 | Sunoco | -$11.78 | $9,666.06 |
| Mar 10, 2025 | Prime Food And | -$6.40 | $9,659.66 |
| Mar 12, 2025 | Card purchase | -$16.30 | $9,643.36 |
| Mar 12, 2025 | Branch withdrawal | -$250.00 | $9,393.36 |
| Mar 12, 2025 | Fastrac | -$11.01 | $9,382.35 |
| Mar 12, 2025 | Walmart | -$113.10 | $9,269.25 |
| Mar 12, 2025 | Card purchase | -$3.26 | $9,265.99 |
| Mar 14, 2025 | Sunoco | -$12.03 | $9,253.96 |
| Mar 14, 2025 | Speedway | -$10.00 | $9,243.96 |
| Mar 17, 2025 | Prime Food And | -$7.40 | $9,236.56 |
| Mar 17, 2025 | Fastrac | -$11.62 | $9,224.94 |
| Mar 18, 2025 | Branch withdrawal | -$200.00 | $9,024.94 |
| Mar 19, 2025 | Fastrac | -$12.01 | $9,012.93 |
| Mar 20, 2025 | Card purchase | -$1.99 | $9,010.94 |
| Mar 24, 2025 | Fastrac | -$12.14 | $8,998.80 |
| Mar 24, 2025 | Branch withdrawal | -$195.00 | $8,803.80 |
| Mar 25, 2025 | Branch withdrawal | -$625.00 | $8,178.80 |
| Mar 25, 2025 | Speedway | -$7.07 | $8,171.73 |
| Mar 27, 2025 | Branch withdrawal | -$4,000.00 | $4,171.73 |
| Mar 27, 2025 | Insurance premium — ACH | -$297.90 | $3,873.83 |
| Mar 27, 2025 | Primary customer payment — ACH | $2,308.53 | $6,182.36 |
| Mar 27, 2025 | Primary customer payment — ACH | $2,851.85 | $9,034.21 |
| Mar 28, 2025 | Branch deposit | $400.00 | $9,434.21 |
| Mar 31, 2025 | Branch withdrawal | -$550.00 | $8,884.21 |
| Mar 31, 2025 | Fastrac | -$9.34 | $8,874.87 |
| Mar 31, 2025 | Speedway | -$1.78 | $8,873.09 |
| Mar 31, 2025 | Seneca One Stop | -$14.02 | $8,859.07 |
| Mar 31, 2025 | Apon Super Market | -$9.61 | $8,849.46 |
| Mar 31, 2025 | Super Stop Del | -$1.63 | $8,847.83 |
| Apr 1, 2025 | Aldi | -$5.46 | $8,842.37 |
| Apr 1, 2025 | Branch withdrawal | -$100.00 | $8,742.37 |
| Apr 2, 2025 | Speedway | -$5.22 | $8,737.15 |
| Apr 2, 2025 | ATM withdrawal | -$22.99 | $8,714.16 |
| Apr 2, 2025 | Speedway | -$10.02 | $8,704.14 |
| Apr 2, 2025 | Subway | -$9.23 | $8,694.91 |
| Apr 3, 2025 | Card purchase | -$3.99 | $8,690.92 |
| Apr 3, 2025 | Bigmoes Automotive Repair | -$54.38 | $8,636.54 |
| Apr 3, 2025 | Speedway | -$6.78 | $8,629.76 |
| Apr 4, 2025 | Express Market | -$5.49 | $8,624.27 |
| Apr 4, 2025 | Annual Juneteen | -$722.96 | $7,901.31 |
| Apr 4, 2025 | Fastrac | -$13.40 | $7,887.91 |
| Apr 4, 2025 | Fastrac | -$12.05 | $7,875.86 |
| Apr 4, 2025 | Uptownn Wholesale Corp | -$5.44 | $7,870.42 |
| Apr 4, 2025 | Speedway | -$5.12 | $7,865.30 |
| Apr 7, 2025 | Prime Food And | -$5.00 | $7,860.30 |
| Apr 7, 2025 | Sunoco | -$12.14 | $7,848.16 |
| Apr 7, 2025 | Universal Liquor And Win | -$43.00 | $7,805.16 |
| Apr 7, 2025 | Transfer to linked account | -$900.00 | $6,905.16 |
| Apr 7, 2025 | N Doat Pizzeria | -$9.00 | $6,896.16 |
| Apr 7, 2025 | Fastrac | -$10.00 | $6,886.16 |
| Apr 9, 2025 | Fastrac | -$10.02 | $6,876.14 |
| Apr 10, 2025 | Prime Food And | -$5.00 | $6,871.14 |
| Apr 11, 2025 | Dunkin' | -$4.87 | $6,866.27 |
| Apr 11, 2025 | Seneca One Stop | -$13.05 | $6,853.22 |
| Apr 14, 2025 | Out The Door Liquors | -$33.00 | $6,820.22 |
| Apr 14, 2025 | Golden Fuel Deli Inc | -$7.00 | $6,813.22 |
| Apr 14, 2025 | Uptownn Wholesale Corp | -$5.44 | $6,807.78 |
| Apr 14, 2025 | Express Market | -$5.49 | $6,802.29 |
| Apr 17, 2025 | Delta Sonic | -$13.65 | $6,788.64 |
| Apr 18, 2025 | Secondary customer payment — ACH | -$81.50 | $6,707.14 |
| Apr 22, 2025 | ATM withdrawal | -$100.00 | $6,607.14 |
| Apr 23, 2025 | Speedway | -$2.80 | $6,604.34 |
| Apr 23, 2025 | Sunoco | -$12.19 | $6,592.15 |
| Apr 25, 2025 | Primary customer payment — ACH | $3,581.72 | $10,173.87 |
| Apr 25, 2025 | Branch withdrawal | -$3,000.00 | $7,173.87 |
| Apr 25, 2025 | Primary customer payment — ACH | $2,851.85 | $10,025.72 |
| Apr 28, 2025 | Insurance premium — ACH | -$297.90 | $9,727.82 |
| Apr 28, 2025 | Seneca One Stop | -$15.01 | $9,712.81 |
| Apr 29, 2025 | Queen City Storage | -$59.80 | $9,653.01 |
| Apr 30, 2025 | ATM withdrawal fee | -$3.00 | $9,650.01 |
| May 1, 2025 | Primary customer payment — ACH | $1,215.94 | $10,865.95 |
| May 2, 2025 | Charles Velu | -$200.00 | $10,665.95 |
| May 5, 2025 | Aldi | -$21.06 | $10,644.89 |
| May 5, 2025 | ATM withdrawal | -$300.00 | $10,344.89 |
| May 5, 2025 | Card purchase | -$16.00 | $10,328.89 |
| May 5, 2025 | McDonald's | -$6.30 | $10,322.59 |
| May 5, 2025 | Niagara Deli & Pizzeria | -$8.00 | $10,314.59 |
| May 5, 2025 | Fastrac | -$10.01 | $10,304.58 |
| May 5, 2025 | Raymondo's Pizzeria | -$13.32 | $10,291.26 |
| May 5, 2025 | ATM withdrawal | -$300.00 | $9,991.26 |
| May 5, 2025 | Universal Liquor And Win | -$30.00 | $9,961.26 |
| May 5, 2025 | Franco S Pizza | -$10.31 | $9,950.95 |
| May 6, 2025 | Card purchase | -$3.99 | $9,946.96 |
| May 6, 2025 | Speedway | -$10.80 | $9,936.16 |
| May 7, 2025 | Sunoco | -$10.99 | $9,925.17 |
| May 7, 2025 | Sunoco | -$10.00 | $9,915.17 |
| May 8, 2025 | Franco S Pizza | -$10.31 | $9,904.86 |
| May 9, 2025 | McDonald's | -$6.51 | $9,898.35 |
| May 9, 2025 | Branch withdrawal | -$1,020.00 | $8,878.35 |
| May 9, 2025 | Branch deposit | $100.00 | $8,978.35 |
| May 12, 2025 | Valero | -$12.02 | $8,966.33 |
| May 12, 2025 | Corr Distributors | -$43.75 | $8,922.58 |
| May 12, 2025 | Ias Convenience | -$2.99 | $8,919.59 |
| May 12, 2025 | Fastrac | -$10.00 | $8,909.59 |
| May 12, 2025 | ATM withdrawal | -$303.50 | $8,606.09 |
| May 12, 2025 | Smiley Mart & Deli | -$5.20 | $8,600.89 |
| May 12, 2025 | Sunoco | -$12.99 | $8,587.90 |
| May 13, 2025 | Universal Liquor And Win | -$30.00 | $8,557.90 |
| May 13, 2025 | Branch withdrawal | -$600.00 | $7,957.90 |
| May 14, 2025 | Card purchase | -$23.43 | $7,934.47 |
| May 14, 2025 | Tops | -$13.03 | $7,921.44 |
| May 14, 2025 | ATM withdrawal | -$150.00 | $7,771.44 |
| May 14, 2025 | Sunoco | -$6.51 | $7,764.93 |
| May 14, 2025 | McDonald's | -$8.68 | $7,756.25 |
| May 14, 2025 | Speedway | -$11.79 | $7,744.46 |
| May 15, 2025 | Boost Mobile | -$90.00 | $7,654.46 |
| May 15, 2025 | Uptownn Wholesale Corp | -$5.44 | $7,649.02 |
| May 15, 2025 | Sunoco | -$12.00 | $7,637.02 |
| May 16, 2025 | Speedway | -$10.02 | $7,627.00 |
| May 19, 2025 | Seneca One Stop | -$14.88 | $7,612.12 |
| May 19, 2025 | Seneca One Stop | -$15.01 | $7,597.11 |
| May 19, 2025 | Speedway | -$10.00 | $7,587.11 |
| May 21, 2025 | Chuck E. Cheese | -$43.40 | $7,543.71 |
| May 22, 2025 | Franco S Pizza | -$10.31 | $7,533.40 |
| May 22, 2025 | Franco S Pizza | -$5.52 | $7,527.88 |
| May 23, 2025 | Speedway | -$11.23 | $7,516.65 |
| May 23, 2025 | Sunoco | -$13.01 | $7,503.64 |
| May 27, 2025 | Card purchase | -$16.93 | $7,486.71 |
| May 27, 2025 | Primary customer payment — ACH | $2,925.48 | $10,412.19 |
| May 27, 2025 | Fastrac | -$10.07 | $10,402.12 |
| May 27, 2025 | McDonald's | -$16.28 | $10,385.84 |
| May 27, 2025 | Checkers | -$11.18 | $10,374.66 |
| May 27, 2025 | Branch withdrawal | -$2,560.00 | $7,814.66 |
| May 27, 2025 | Primary customer payment — ACH | $3,490.23 | $11,304.89 |
| May 27, 2025 | ATM deposit | $710.00 | $12,014.89 |
| May 27, 2025 | ATM deposit | $90.00 | $12,104.89 |
| May 28, 2025 | Uptownn Wholesale Corp | -$6.53 | $12,098.36 |
| May 28, 2025 | Transfer to linked account | -$1,400.00 | $10,698.36 |
| May 30, 2025 | Card purchase | -$5.05 | $10,693.31 |
| May 30, 2025 | ATM withdrawal fee | -$3.00 | $10,690.31 |
| Jun 2, 2025 | Abc Hardware Rental | -$19.55 | $10,670.76 |
| Jun 2, 2025 | Abc Hardware Rental | -$1.47 | $10,669.29 |
| Jun 3, 2025 | Aldi | -$12.68 | $10,656.61 |
| Jun 3, 2025 | Sunoco | -$11.98 | $10,644.63 |
| Jun 4, 2025 | Card purchase | -$2.09 | $10,642.54 |
| Jun 4, 2025 | Uptownn Wholesale Corp | -$5.44 | $10,637.10 |
| Jun 4, 2025 | ATM deposit | $270.00 | $10,907.10 |
| Jun 4, 2025 | Tops | -$5.19 | $10,901.91 |
| Jun 5, 2025 | Branch withdrawal | -$500.00 | $10,401.91 |
| Jun 5, 2025 | Fastrac | -$10.02 | $10,391.89 |
| Jun 5, 2025 | Nayax Parking | -$5.00 | $10,386.89 |
| Jun 6, 2025 | Insurance premium — ACH | -$297.90 | $10,088.99 |
| Jun 6, 2025 | Uptownn Wholesale Corp | -$5.44 | $10,083.55 |
| Jun 6, 2025 | Super Power | -$13.69 | $10,069.86 |
| Jun 9, 2025 | Card purchase | -$5.65 | $10,064.21 |
| Jun 10, 2025 | Sunoco | -$10.00 | $10,054.21 |
| Jun 10, 2025 | Sunoco | -$10.00 | $10,044.21 |
| Jun 10, 2025 | Supreme Tires Inc | -$11.19 | $10,033.02 |
| Jun 10, 2025 | Fastrac | -$10.00 | $10,023.02 |
| Jun 10, 2025 | Speedway | -$8.78 | $10,014.24 |
| Jun 11, 2025 | Genesee Mini Mart Express | -$1.25 | $10,012.99 |
| Jun 11, 2025 | Speedway | -$4.98 | $10,008.01 |
| Jun 11, 2025 | Sunoco | -$10.00 | $9,998.01 |
| Jun 12, 2025 | Speedway | -$10.80 | $9,987.21 |
| Jun 13, 2025 | Uptown Market Corp | -$5.44 | $9,981.77 |
| Jun 16, 2025 | Boost Mobile | -$90.00 | $9,891.77 |
| Jun 16, 2025 | Card purchase | -$2.15 | $9,889.62 |
| Jun 16, 2025 | Sunoco | -$12.01 | $9,877.61 |
| Jun 16, 2025 | NYC Market | -$1.74 | $9,875.87 |
| Jun 17, 2025 | Branch withdrawal | -$1,500.00 | $8,375.87 |
| Jun 23, 2025 | Discount | -$14.00 | $8,361.87 |
| Jun 23, 2025 | Branch withdrawal | -$475.00 | $7,886.87 |
| Jun 23, 2025 | Sunoco | -$10.02 | $7,876.85 |
| Jun 23, 2025 | ATM withdrawal | -$303.50 | $7,573.35 |
| Jun 24, 2025 | Sunoco | -$11.98 | $7,561.37 |
| Jun 24, 2025 | Fastrac | -$10.00 | $7,551.37 |
| Jun 25, 2025 | Speedway | -$2.16 | $7,549.21 |
| Jun 25, 2025 | Gabriel Brothers | -$50.48 | $7,498.73 |
| Jun 25, 2025 | ATM withdrawal | -$200.00 | $7,298.73 |
| Jun 26, 2025 | Niagara Deli & Pizzeria | -$4.29 | $7,294.44 |
| Jun 26, 2025 | Card purchase | -$4.99 | $7,289.45 |
| Jun 26, 2025 | Card purchase | -$1.00 | $7,288.45 |
| Jun 27, 2025 | Primary customer payment — ACH | $2,993.43 | $10,281.88 |
| Jun 27, 2025 | Primary customer payment — ACH | $3,433.60 | $13,715.48 |
| Jun 27, 2025 | Branch withdrawal | -$3,387.00 | $10,328.48 |
| Jun 27, 2025 | Seneca One Stop | -$15.00 | $10,313.48 |
| Jun 27, 2025 | Insurance premium — ACH | -$297.90 | $10,015.58 |
| Jun 30, 2025 | ATM withdrawal fee | -$3.00 | $10,012.58 |
| Jul 1, 2025 | Delta Sonic | -$13.01 | $9,999.57 |
| Jul 1, 2025 | Stop & Shop | -$5.49 | $9,994.08 |
| Jul 3, 2025 | Planet Fitness | -$1.36 | $9,992.72 |
| Jul 7, 2025 | S&S Deli | -$4.49 | $9,988.23 |
| Jul 7, 2025 | Branch withdrawal | -$600.00 | $9,388.23 |
| Jul 7, 2025 | ARCO | -$13.74 | $9,374.49 |
| Jul 7, 2025 | Solo Eats | -$27.99 | $9,346.50 |
| Jul 8, 2025 | Branch withdrawal | -$300.00 | $9,046.50 |
| Jul 9, 2025 | Transfer to linked account | -$280.00 | $8,766.50 |
| Jul 9, 2025 | Planet Fitness | -$1.90 | $8,764.60 |
| Jul 10, 2025 | Transfer to linked account | -$80.00 | $8,684.60 |
| Jul 14, 2025 | PriceRite | -$14.13 | $8,670.47 |
| Jul 14, 2025 | Dollar General | -$10.80 | $8,659.67 |
| Jul 14, 2025 | Boost Mobile | -$90.00 | $8,569.67 |
| Jul 14, 2025 | Card purchase | -$7.91 | $8,561.76 |
| Jul 14, 2025 | Discount Liquor | -$30.00 | $8,531.76 |
| Jul 15, 2025 | COACH | -$102.19 | $8,429.57 |
| Jul 16, 2025 | Lucky's Food Market | -$62.40 | $8,367.17 |
| Jul 16, 2025 | Card purchase | -$9.90 | $8,357.27 |
| Jul 17, 2025 | Branch withdrawal | -$2,000.00 | $6,357.27 |
| Jul 21, 2025 | ATM deposit | $140.00 | $6,497.27 |
| Jul 21, 2025 | ATM deposit | $520.00 | $7,017.27 |
| Jul 22, 2025 | Express Market | -$5.49 | $7,011.78 |
| Jul 22, 2025 | AutoZone | -$16.29 | $6,995.49 |
| Jul 22, 2025 | Crickler Vending Company | -$2.50 | $6,992.99 |
| Jul 22, 2025 | Fastrac | -$10.00 | $6,982.99 |
| Jul 23, 2025 | Transfer to linked account | -$1,130.00 | $5,852.99 |
| Jul 23, 2025 | Speedway | -$2.59 | $5,850.40 |
| Jul 24, 2025 | Card purchase | -$15.27 | $5,835.13 |
| Jul 25, 2025 | COACH | -$123.97 | $5,711.16 |
| Jul 25, 2025 | Speedway | -$6.58 | $5,704.58 |
| Jul 25, 2025 | Primary customer payment — ACH | $4,236.68 | $9,941.26 |
| Jul 25, 2025 | Branch withdrawal | -$1,600.00 | $8,341.26 |
| Jul 25, 2025 | Primary customer payment — ACH | $2,716.53 | $11,057.79 |
| Jul 28, 2025 | Branch withdrawal | -$1,400.00 | $9,657.79 |
| Jul 28, 2025 | Citi Trends | -$13.61 | $9,644.18 |
| Jul 28, 2025 | Insurance premium — ACH | -$297.90 | $9,346.28 |
| Jul 29, 2025 | Kingcity Fashion | -$5.00 | $9,341.28 |
| Aug 4, 2025 | Fat Boi S Catering | -$14.00 | $9,327.28 |
| Aug 4, 2025 | ATM deposit | $390.00 | $9,717.28 |
| Aug 4, 2025 | Fastrac | -$12.13 | $9,705.15 |
| Aug 6, 2025 | Kingcity Fashion | -$5.00 | $9,700.15 |
| Aug 6, 2025 | McDonald's | -$6.30 | $9,693.85 |
| Aug 6, 2025 | Fastrac | -$10.00 | $9,683.85 |
| Aug 6, 2025 | Dollar General | -$8.59 | $9,675.26 |
| Aug 6, 2025 | Speedway | -$10.00 | $9,665.26 |
| Aug 7, 2025 | Express Market | -$5.49 | $9,659.77 |
| Aug 7, 2025 | Allentown Food Shoppe | -$2.00 | $9,657.77 |
| Aug 7, 2025 | Sunoco | -$4.00 | $9,653.77 |
| Aug 7, 2025 | Planet Fitness | -$59.00 | $9,594.77 |
| Aug 8, 2025 | Red Apple | -$12.00 | $9,582.77 |
| Aug 11, 2025 | Transfer to linked account | -$1,100.00 | $8,482.77 |
| Aug 11, 2025 | Family Dollar | -$11.15 | $8,471.62 |
| Aug 12, 2025 | Speedway | -$10.00 | $8,461.62 |
| Aug 12, 2025 | Transfer to linked account | -$500.00 | $7,961.62 |
| Aug 13, 2025 | Wendy's | -$7.07 | $7,954.55 |
| Aug 13, 2025 | Fastrac | -$12.00 | $7,942.55 |
| Aug 14, 2025 | Checkers | -$3.14 | $7,939.41 |
| Aug 14, 2025 | Card purchase | -$7.85 | $7,931.56 |
| Aug 14, 2025 | Sunoco | -$10.99 | $7,920.57 |
| Aug 14, 2025 | Uptown Market Corp | -$5.44 | $7,915.13 |
| Aug 15, 2025 | Uptown Market Corp | -$5.44 | $7,909.69 |
| Aug 18, 2025 | Fastrac | -$11.10 | $7,898.59 |
| Aug 18, 2025 | Super Power | -$12.74 | $7,885.85 |
| Aug 18, 2025 | Boost Mobile | -$121.43 | $7,764.42 |
| Aug 19, 2025 | Sunoco | -$17.61 | $7,746.81 |
| Aug 19, 2025 | Card purchase | -$10.00 | $7,736.81 |
| Aug 19, 2025 | Dollar General | -$14.30 | $7,722.51 |
| Aug 20, 2025 | Burger King | -$6.57 | $7,715.94 |
| Aug 20, 2025 | Family Dollar | -$15.66 | $7,700.28 |
| Aug 20, 2025 | Sunoco | -$10.00 | $7,690.28 |
| Aug 21, 2025 | Fastrac | -$11.00 | $7,679.28 |
| Aug 25, 2025 | Branch withdrawal | -$400.00 | $7,279.28 |
| Aug 25, 2025 | Branch withdrawal | -$900.00 | $6,379.28 |
| Aug 25, 2025 | Fastrac | -$12.00 | $6,367.28 |
| Aug 25, 2025 | N Doat Pizzeria | -$8.00 | $6,359.28 |
| Aug 26, 2025 | Fastrac | -$10.00 | $6,349.28 |
| Aug 26, 2025 | ATM withdrawal | -$300.00 | $6,049.28 |
| Aug 26, 2025 | Right Price | -$5.49 | $6,043.79 |
| Aug 27, 2025 | Branch withdrawal | -$2,500.00 | $3,543.79 |
| Aug 27, 2025 | Sunoco | -$12.00 | $3,531.79 |
| Aug 27, 2025 | Primary customer payment — ACH | $3,598.72 | $7,130.51 |
| Aug 27, 2025 | Primary customer payment — ACH | $2,993.43 | $10,123.94 |
| Aug 27, 2025 | Insurance premium — ACH | -$2,076.90 | $8,047.04 |
| Aug 28, 2025 | Transfer to linked account | -$500.00 | $7,547.04 |
| Aug 28, 2025 | N Doat Pizzeria | -$33.17 | $7,513.87 |
| Aug 29, 2025 | Little Caesar's | -$8.15 | $7,505.72 |
| Aug 29, 2025 | Card purchase | -$10.00 | $7,495.72 |
| Sep 2, 2025 | Aldi | -$11.72 | $7,484.00 |
| Sep 2, 2025 | National Grid | -$140.85 | $7,343.15 |
| Sep 2, 2025 | Ferry Express V LLC | -$16.50 | $7,326.65 |
| Sep 3, 2025 | Transfer to linked account | -$1,900.00 | $5,426.65 |
| Sep 5, 2025 | Union Mart | -$11.03 | $5,415.62 |
| Sep 5, 2025 | Speedway | -$13.45 | $5,402.17 |
| Sep 5, 2025 | ATM deposit | $300.00 | $5,702.17 |
| Sep 8, 2025 | Out The Door Liquors | -$33.00 | $5,669.17 |
| Sep 9, 2025 | Branch deposit | $100.00 | $5,769.17 |
| Sep 9, 2025 | Speedway | -$10.00 | $5,759.17 |
| Sep 9, 2025 | Fastrac | -$10.00 | $5,749.17 |
| Sep 10, 2025 | Uptown Wholesale | -$5.44 | $5,743.73 |
| Sep 11, 2025 | Card purchase | -$7.85 | $5,735.88 |
| Sep 11, 2025 | Progressive Insurance | -$325.86 | $5,410.02 |
| Sep 11, 2025 | Stop & Shop | -$5.49 | $5,404.53 |
| Sep 12, 2025 | Tops Friendly Markets Fuel | -$20.00 | $5,384.53 |
| Sep 12, 2025 | Wine & Spirits | -$2.15 | $5,382.38 |
| Sep 15, 2025 | Delta | -$35.00 | $5,347.38 |
| Sep 15, 2025 | Burger King | -$8.47 | $5,338.91 |
| Sep 15, 2025 | Sears | -$1.24 | $5,337.67 |
| Sep 15, 2025 | QuikTrip | -$25.00 | $5,312.67 |
| Sep 15, 2025 | Fastrac | -$10.00 | $5,302.67 |
| Sep 16, 2025 | Branch deposit | $740.00 | $6,042.67 |
| Sep 16, 2025 | Boost Mobile | -$121.43 | $5,921.24 |
| Sep 16, 2025 | Speedway | -$2.49 | $5,918.75 |
| Sep 17, 2025 | Branch withdrawal | -$900.00 | $5,018.75 |
| Sep 19, 2025 | ATM withdrawal | -$22.75 | $4,996.00 |
| Sep 22, 2025 | Sunoco | -$8.32 | $4,987.68 |
| Sep 26, 2025 | Primary customer payment — ACH | $2,680.13 | $7,667.81 |
| Sep 26, 2025 | Branch withdrawal | -$3,800.00 | $3,867.81 |
| Sep 26, 2025 | Primary customer payment — ACH | $3,576.01 | $7,443.82 |
| Sep 29, 2025 | Delta Sonic | -$10.00 | $7,433.82 |
| Sep 29, 2025 | Branch withdrawal | -$2,800.00 | $4,633.82 |
| Sep 29, 2025 | Insurance premium — ACH | -$297.90 | $4,335.92 |
| Sep 29, 2025 | Tops | -$21.08 | $4,314.84 |
| Sep 29, 2025 | Wendy's | -$11.95 | $4,302.89 |
| Sep 30, 2025 | Marathon | -$10.02 | $4,292.87 |
| Sep 30, 2025 | ATM withdrawal fee | -$3.00 | $4,289.87 |
| Sep 30, 2025 | Fastrac | -$12.00 | $4,277.87 |
| Oct 1, 2025 | Lucky's Food Market | -$11.31 | $4,266.56 |
| Oct 1, 2025 | Loan disbursement — ACH | $5,000.00 | $9,266.56 |
| Oct 1, 2025 | Transfer to linked account | -$4,000.00 | $5,266.56 |
| Oct 1, 2025 | Delta Sonic | -$15.00 | $5,251.56 |
| Oct 1, 2025 | Transfer to linked account | -$1,001.00 | $4,250.56 |
| Oct 2, 2025 | Wendy's | -$21.52 | $4,229.04 |
| Oct 6, 2025 | Transfer to linked account | -$54.00 | $4,175.04 |
| Oct 6, 2025 | Card purchase | -$9.81 | $4,165.23 |
| Oct 6, 2025 | Fastrac | -$10.54 | $4,154.69 |
| Oct 8, 2025 | Speedway | -$10.00 | $4,144.69 |
| Oct 8, 2025 | Seneca One Stop | -$20.01 | $4,124.68 |
| Oct 8, 2025 | Uptown Wholesale | -$5.44 | $4,119.24 |
| Oct 9, 2025 | Out The Door Liquors | -$13.00 | $4,106.24 |
| Oct 10, 2025 | Fastrac | -$12.03 | $4,094.21 |
| Oct 14, 2025 | Uptown Wholesale | -$7.61 | $4,086.60 |
| Oct 14, 2025 | Speedway | -$8.28 | $4,078.32 |
| Oct 15, 2025 | Current | -$185.00 | $3,893.32 |
| Oct 15, 2025 | ARCO | -$13.19 | $3,880.13 |
| Oct 16, 2025 | Loan payment — ACH | -$439.04 | $3,441.09 |
| Oct 17, 2025 | ATM withdrawal | -$164.00 | $3,277.09 |
| Oct 17, 2025 | Mayer Bros Apple Products Inc | -$33.97 | $3,243.12 |
| Oct 21, 2025 | Prime Food And | -$5.40 | $3,237.72 |
| Oct 23, 2025 | Fastrac | -$11.92 | $3,225.80 |
| Oct 23, 2025 | Crickler Vending Company | -$2.25 | $3,223.55 |
| Oct 27, 2025 | Transfer to linked account | -$940.00 | $2,283.55 |
| Oct 27, 2025 | Transfer to linked account | -$2,000.00 | $283.55 |
| Oct 27, 2025 | Primary customer payment — ACH | $3,633.26 | $3,916.81 |
| Oct 27, 2025 | Primary customer payment — ACH | $2,959.63 | $6,876.44 |
| Oct 27, 2025 | Insurance premium — ACH | -$297.90 | $6,578.54 |
| Oct 29, 2025 | Uptown Wholesale | -$5.44 | $6,573.10 |
| Oct 30, 2025 | Jims Steakout | -$16.89 | $6,556.21 |
| Oct 30, 2025 | Organic & Natural Herb | -$31.19 | $6,525.02 |
| Oct 30, 2025 | Transfer to linked account | -$31.00 | $6,494.02 |
| Oct 30, 2025 | Branch withdrawal | -$2,500.00 | $3,994.02 |
| Oct 31, 2025 | ATM withdrawal fee | -$3.00 | $3,991.02 |
| Nov 3, 2025 | Fastrac | -$10.61 | $3,980.41 |
| Nov 3, 2025 | Sunoco | -$10.69 | $3,969.72 |
| Nov 3, 2025 | Speedway | -$9.71 | $3,960.01 |
| Nov 4, 2025 | Loan payment — ACH | -$439.04 | $3,520.97 |
| Nov 5, 2025 | Transfer to linked account | -$250.00 | $3,270.97 |
| Nov 12, 2025 | Sunoco | -$10.00 | $3,260.97 |
| Nov 12, 2025 | Speedway | -$9.46 | $3,251.51 |
| Nov 12, 2025 | Dollar General | -$3.50 | $3,248.01 |
| Nov 12, 2025 | Dollar General | -$5.67 | $3,242.34 |
| Nov 14, 2025 | Sunoco | -$5.31 | $3,237.03 |
| Nov 17, 2025 | Right Price Liquor Wine | -$23.00 | $3,214.03 |
| Nov 17, 2025 | Card purchase | -$9.80 | $3,204.23 |
| Nov 18, 2025 | Loan payment — ACH | -$439.04 | $2,765.19 |
| Nov 24, 2025 | Speedway | -$10.00 | $2,755.19 |
| Nov 24, 2025 | Aldi | -$8.87 | $2,746.32 |
| Nov 24, 2025 | 1800accountant | -$25.00 | $2,721.32 |
| Nov 24, 2025 | Fastrac | -$10.00 | $2,711.32 |
| Nov 26, 2025 | ATM withdrawal | -$62.75 | $2,648.57 |
| Nov 26, 2025 | Branch withdrawal | -$2,500.00 | $148.57 |
| Nov 26, 2025 | Primary customer payment — ACH | $3,259.49 | $3,408.06 |
| Nov 26, 2025 | Primary customer payment — ACH | $2,871.21 | $6,279.27 |
| Nov 28, 2025 | Prime Food And | -$11.40 | $6,267.87 |
| Nov 28, 2025 | Insurance premium — ACH | -$297.90 | $5,969.97 |
| Nov 28, 2025 | Sunoco | -$13.98 | $5,955.99 |
| Nov 28, 2025 | Walmart | -$195.89 | $5,760.10 |
| Nov 28, 2025 | ATM withdrawal fee | -$6.00 | $5,754.10 |
| Nov 28, 2025 | ATM withdrawal | -$123.50 | $5,630.60 |
| Nov 28, 2025 | Tops | -$50.31 | $5,580.29 |
| Dec 2, 2025 | Loan payment — ACH | -$439.04 | $5,141.25 |
| Dec 5, 2025 | GameStop | -$483.54 | $4,657.71 |
| Dec 5, 2025 | Fastrac | -$8.74 | $4,648.97 |
| Dec 8, 2025 | Out The Door Liquors | -$15.00 | $4,633.97 |
| Dec 8, 2025 | Tops | -$217.48 | $4,416.49 |
| Dec 9, 2025 | Fastrac | -$10.00 | $4,406.49 |
| Dec 10, 2025 | Speedway | -$10.00 | $4,396.49 |
| Dec 15, 2025 | Express Mart | -$10.40 | $4,386.09 |
| Dec 15, 2025 | Fastrac | -$13.00 | $4,373.09 |
| Dec 15, 2025 | Seneca One Stop | -$17.50 | $4,355.59 |
| Dec 16, 2025 | Branch withdrawal | -$250.00 | $4,105.59 |
| Dec 16, 2025 | Loan payment — ACH | -$439.04 | $3,666.55 |
| Dec 16, 2025 | Boost Mobile | -$121.43 | $3,545.12 |
| Dec 16, 2025 | Jims Steakout | -$17.00 | $3,528.12 |
| Dec 17, 2025 | Stop & Shop | -$5.49 | $3,522.63 |
| Dec 17, 2025 | Card purchase | -$7.54 | $3,515.09 |
| Dec 18, 2025 | Carter's | -$12.57 | $3,502.52 |
| Dec 18, 2025 | Super Stop Deli | -$4.00 | $3,498.52 |
| Dec 18, 2025 | Stop & Shop | -$5.49 | $3,493.03 |
| Dec 22, 2025 | United Mens St | -$20.00 | $3,473.03 |
| Dec 22, 2025 | Walmart | -$37.48 | $3,435.55 |
| Dec 23, 2025 | Sam's Club | -$27.19 | $3,408.36 |
| Dec 23, 2025 | Dollar General | -$9.50 | $3,398.86 |
| Dec 23, 2025 | Speedway | -$12.13 | $3,386.73 |
| Dec 26, 2025 | Transfer to linked account | -$1,400.00 | $1,986.73 |
| Dec 26, 2025 | Primary customer payment — ACH | $2,684.69 | $4,671.42 |
| Dec 26, 2025 | Primary customer payment — ACH | $3,351.19 | $8,022.61 |
| Dec 26, 2025 | Branch withdrawal | -$2,900.00 | $5,122.61 |
| Dec 26, 2025 | Card purchase | -$5.43 | $5,117.18 |
| Dec 26, 2025 | Card purchase | -$6.53 | $5,110.65 |
| Dec 29, 2025 | ATM withdrawal | -$300.00 | $4,810.65 |
| Dec 29, 2025 | Niagara Deli & Pizzeria | -$8.50 | $4,802.15 |
| Dec 29, 2025 | Progressive Insurance | -$554.92 | $4,247.23 |
| Dec 29, 2025 | First Line | -$10.00 | $4,237.23 |
| Dec 29, 2025 | Out The Door Liquors | -$23.00 | $4,214.23 |
| Dec 29, 2025 | Speedway | -$10.00 | $4,204.23 |
| Dec 29, 2025 | Stop & Shop | -$5.49 | $4,198.74 |
| Dec 29, 2025 | Citi Trends | -$25.50 | $4,173.24 |
| Dec 29, 2025 | Niagara Deli & Pizzeria | -$8.00 | $4,165.24 |
| Dec 30, 2025 | Branch withdrawal | -$100.00 | $4,065.24 |
| Dec 30, 2025 | Out The Door Liquors | -$39.00 | $4,026.24 |
| Jan 2, 2026 | Kwik Fill | -$10.00 | $4,016.24 |
| Jan 5, 2026 | Card purchase | -$16.00 | $4,000.24 |
| Jan 5, 2026 | Loan payment — ACH | -$439.04 | $3,561.20 |
| Jan 5, 2026 | Fastrac | -$13.02 | $3,548.18 |
| Jan 5, 2026 | Trader Joe's | -$6.97 | $3,541.21 |
| Jan 5, 2026 | Aldi | -$19.98 | $3,521.23 |
| Jan 6, 2026 | Family Dollar | -$31.29 | $3,489.94 |
| Jan 6, 2026 | Phone Zone | -$20.80 | $3,469.14 |
| Jan 6, 2026 | Marathon | -$5.03 | $3,464.11 |
| Jan 6, 2026 | Delta Sonic | -$23.68 | $3,440.43 |
| Jan 6, 2026 | Walmart | -$58.95 | $3,381.48 |
| Jan 6, 2026 | Walmart | -$3.14 | $3,378.34 |
| Jan 8, 2026 | Branch withdrawal | -$420.00 | $2,958.34 |
| Jan 9, 2026 | ATM withdrawal | -$120.00 | $2,838.34 |
| Jan 12, 2026 | Imperial Marke | -$5.99 | $2,832.35 |
| Jan 12, 2026 | Checkers | -$6.93 | $2,825.42 |
| Jan 12, 2026 | Imperial Marke | -$4.99 | $2,820.43 |
| Jan 12, 2026 | Right Price Liquor Wine | -$39.00 | $2,781.43 |
| Jan 12, 2026 | Fastrac | -$14.74 | $2,766.69 |
| Jan 13, 2026 | Greyhound | -$20.98 | $2,745.71 |
| Jan 13, 2026 | Aldi | -$20.86 | $2,724.85 |
| Jan 14, 2026 | Imperial Marke | -$4.99 | $2,719.86 |
| Jan 14, 2026 | ABC*P PF CHEEKTO | -$35.00 | $2,684.86 |
| Jan 15, 2026 | A&a Quick Stopny | -$7.83 | $2,677.03 |
| Jan 15, 2026 | Lucky's Food Market | -$5.65 | $2,671.38 |
| Jan 16, 2026 | Uptown Wholesale | -$5.44 | $2,665.94 |
| Jan 16, 2026 | Sunoco | -$10.00 | $2,655.94 |
| Jan 16, 2026 | Dunkin' | -$3.38 | $2,652.56 |
| Jan 16, 2026 | Family Dollar | -$6.85 | $2,645.71 |
| Jan 16, 2026 | Trader Joe's | -$6.98 | $2,638.73 |
| Jan 16, 2026 | Whole Foods | -$24.16 | $2,614.57 |
| Jan 16, 2026 | Walmart | -$59.69 | $2,554.88 |
| Jan 16, 2026 | Loan payment — ACH | -$439.04 | $2,115.84 |
| Jan 20, 2026 | Tops | -$2.50 | $2,113.34 |
| Jan 20, 2026 | Fastrac | -$12.12 | $2,101.22 |
| Jan 20, 2026 | Uptown Wholesale | -$5.44 | $2,095.78 |
| Jan 21, 2026 | Fastrac | -$12.07 | $2,083.71 |
| Jan 22, 2026 | Stop & Shop | -$5.49 | $2,078.22 |
| Jan 22, 2026 | Seneca One Stop | -$14.38 | $2,063.84 |
| Jan 23, 2026 | Seneca One Stop | -$13.02 | $2,050.82 |
| Jan 26, 2026 | Speedway | -$10.00 | $2,040.82 |
| Jan 26, 2026 | Imperial Marke | -$5.42 | $2,035.40 |
| Jan 27, 2026 | Imperial Marke | -$4.34 | $2,031.06 |
| Jan 27, 2026 | Primary customer payment — ACH | $2,850.57 | $4,881.63 |
| Jan 27, 2026 | Transfer to linked account | -$1,200.00 | $3,681.63 |
| Jan 27, 2026 | Fastrac | -$14.13 | $3,667.50 |
| Jan 27, 2026 | Branch withdrawal | -$3,265.00 | $402.50 |
| Jan 27, 2026 | Primary customer payment — ACH | $3,337.77 | $3,740.27 |
| Jan 27, 2026 | Crosbys | -$10.00 | $3,730.27 |
| Jan 28, 2026 | Fresh Farm Market | -$5.00 | $3,725.27 |
| Jan 28, 2026 | ATM withdrawal | -$300.00 | $3,425.27 |
| Jan 28, 2026 | Bocce Club Pizza | -$28.81 | $3,396.46 |
| Jan 29, 2026 | Dunn Tire | -$118.99 | $3,277.47 |
| Jan 29, 2026 | ATM withdrawal | -$42.75 | $3,234.72 |
| Jan 29, 2026 | Stop & Shop | -$5.49 | $3,229.23 |
| Jan 30, 2026 | Card purchase | -$16.00 | $3,213.23 |
| Jan 30, 2026 | ATM withdrawal fee | -$3.00 | $3,210.23 |
| Jan 30, 2026 | Passnysta Viol | -$304.68 | $2,905.55 |
| Feb 2, 2026 | Lexington Coop | -$3.30 | $2,902.25 |
| Feb 2, 2026 | Niagara Deli & Pizzeria | -$6.00 | $2,896.25 |
| Feb 2, 2026 | Fastrac | -$12.54 | $2,883.71 |
| Feb 2, 2026 | Crickler Vending Company | -$2.25 | $2,881.46 |
| Feb 2, 2026 | Out The Door Liquors | -$15.00 | $2,866.46 |
| Feb 2, 2026 | Double Apple | -$9.98 | $2,856.48 |
| Feb 2, 2026 | Imperial Marke | -$5.98 | $2,850.50 |
| Feb 2, 2026 | Family Dollar | -$13.93 | $2,836.57 |
| Feb 2, 2026 | A&a Quick Stopny | -$13.90 | $2,822.67 |
| Feb 3, 2026 | Loan payment — ACH | -$439.04 | $2,383.63 |
| Feb 3, 2026 | Dollar General | -$14.85 | $2,368.78 |
| Feb 3, 2026 | Prime Food And | -$5.00 | $2,363.78 |
| Feb 5, 2026 | Golden Market | -$10.00 | $2,353.78 |
| Feb 6, 2026 | Express Market | -$5.20 | $2,348.58 |
| Feb 6, 2026 | Branch withdrawal | -$800.00 | $1,548.58 |
| Feb 6, 2026 | Fastrac | -$12.00 | $1,536.58 |
| Feb 9, 2026 | Speedway | -$5.93 | $1,530.65 |
| Feb 9, 2026 | Aldi | -$12.79 | $1,517.86 |
| Feb 9, 2026 | Fastrac | -$14.80 | $1,503.06 |
| Feb 9, 2026 | Fastrac | -$13.22 | $1,489.84 |
| Feb 10, 2026 | Fastrac | -$11.03 | $1,478.81 |
| Feb 10, 2026 | Dollar General | -$10.25 | $1,468.56 |
| Feb 12, 2026 | Corr Distributors | -$43.70 | $1,424.86 |
| Feb 13, 2026 | Progressive Insurance | -$305.82 | $1,119.04 |
| Feb 17, 2026 | Lucky's Food Market | -$124.80 | $994.24 |
| Feb 17, 2026 | Imperial Marke | -$1.19 | $993.05 |
| Feb 17, 2026 | Lexington Coop | -$17.00 | $976.05 |
| Feb 17, 2026 | Price Chopper Supermarkets | -$3.99 | $972.06 |
| Feb 17, 2026 | Card purchase | -$8.00 | $964.06 |
| Feb 17, 2026 | A&a Quick Stopny | -$11.94 | $952.12 |
| Feb 17, 2026 | Venus | -$17.93 | $934.19 |
| Feb 18, 2026 | Loan payment — ACH | -$439.04 | $495.15 |
| Feb 18, 2026 | Kensington & Poultney | -$5.49 | $489.66 |
| Feb 19, 2026 | Queen City Storage | -$97.87 | $391.79 |
| Feb 19, 2026 | Branch deposit | $630.00 | $1,021.79 |
| Feb 20, 2026 | Uptown Wholesale | -$5.44 | $1,016.35 |
| Feb 20, 2026 | Speedway | -$9.36 | $1,006.99 |
| Feb 20, 2026 | Fastrac | -$10.01 | $996.98 |
| Feb 23, 2026 | Aldi | -$2.75 | $994.23 |
| Feb 23, 2026 | Card purchase | -$11.00 | $983.23 |
| Feb 23, 2026 | Express Market | -$5.20 | $978.03 |
| Feb 23, 2026 | Imperial Marke | -$4.00 | $974.03 |
| Feb 23, 2026 | Out The Door Liquors | -$23.00 | $951.03 |
| Feb 23, 2026 | Aldi | -$7.95 | $943.08 |
| Feb 24, 2026 | Fastrac | -$12.01 | $931.07 |
| Feb 24, 2026 | Speedway | -$9.71 | $921.36 |
| Feb 25, 2026 | Prime Food And Meat Ma | -$5.00 | $916.36 |
| Feb 25, 2026 | Secondary customer payment — ACH | -$215.66 | $700.70 |
| Feb 27, 2026 | Primary customer payment — ACH | $4,343.79 | $5,044.49 |
| Feb 27, 2026 | Primary customer payment — ACH | $2,851.67 | $7,896.16 |
| Feb 27, 2026 | Branch withdrawal | -$1,700.00 | $6,196.16 |
| Feb 27, 2026 | Insurance premium — ACH | -$303.20 | $5,892.96 |
| Feb 27, 2026 | Branch withdrawal | -$2,000.00 | $3,892.96 |
| Mar 2, 2026 | Aldi | -$19.29 | $3,873.67 |
| Mar 2, 2026 | Branch withdrawal | -$1,800.00 | $2,073.67 |
| Mar 3, 2026 | The Home Depot | -$29.14 | $2,044.53 |
| Mar 3, 2026 | Loan payment — ACH | -$439.04 | $1,605.49 |
| Mar 4, 2026 | Stop & Shop | -$5.49 | $1,600.00 |
| Mar 5, 2026 | Fastrac | -$12.06 | $1,587.94 |
| Mar 6, 2026 | Prime Food And | -$5.00 | $1,582.94 |
| Mar 9, 2026 | Card purchase | -$16.00 | $1,566.94 |
| Mar 9, 2026 | Kingcity Fashion | -$5.00 | $1,561.94 |
| Mar 9, 2026 | Quicklee’s | -$10.14 | $1,551.80 |
| Mar 9, 2026 | Fastrac | -$13.05 | $1,538.75 |
| Mar 9, 2026 | Aldi | -$11.17 | $1,527.58 |
| Mar 9, 2026 | Sunoco | -$7.01 | $1,520.57 |
| Mar 9, 2026 | Dunkin' | -$3.38 | $1,517.19 |
| Mar 9, 2026 | Walmart | -$32.39 | $1,484.80 |
| Mar 10, 2026 | Niagara Deli & Pizzeri | -$5.00 | $1,479.80 |
| Mar 10, 2026 | Fastrac | -$9.99 | $1,469.81 |
02 · Compare
Structured Data
Sep 12, 2025–Dec 10, 2025 compared with Dec 11, 2025–Mar 10, 2026. Payment status remains Current.
| Measure and calculation | Prior 90 days | Recent 90 days | Observed change | Illustrative lender threshold | Review state and limit |
|---|---|---|---|---|---|
| Average daily balanceMean carried-forward daily closing balance in each 90-day window | $4,289 | $2,606 | 39.24% decline | 25% | ReviewShows balance direction, not the reason for it |
| Days negativeCount of daily closing balances below zero in the recent window | 0 | 0 | 0 more days | 2 days | Within thresholdA negative day may be timing-related and needs context |
| Deposit frequencyDeposit count normalized to 30 days | 2.67 / 30 days | 2.33 / 30 days | 12.73% decline | 20% | Within thresholdTransfers and processor batches can distort frequency |
| Average deposit amountIncoming deposit value divided by deposit count | $3,090 | $2,864 | 7.31% decline | 20% | Within thresholdDeposit size is not the same as recognized revenue |
| Deposit source concentrationLargest grouped deposit source divided by incoming deposit value | 76.78% | 96.86% | 20.08% point increase | 50% | ReviewApproximate; depends on recognizable deposit descriptions |
Try different illustrative thresholds
03 · Route
Review output
Your team chooses the owner, checks borrower context, and decides whether any follow-up is appropriate.
Review packet
2 of 5 illustrative thresholds crossed
Routed to a person for review
- Average daily balance 39.24% decline Limit 25% Review
- Days negative 0 days Limit 2 days Within threshold
- Deposit frequency 12.73% decline Limit 20% Within threshold
- Average deposit amount 7.31% decline Limit 20% Within threshold
- Deposit source concentration 96.86% Limit 50% Review
CircumFi can gather, normalize, calculate, and route evidence. Your team sets policy, evaluates exceptions, approves actions, and manages the borrower relationship.
Illustrative owner
- Portfolio manager
- Customer service representative
- Credit or risk officer
- Workout group
Possible review action
- Flag for check-in conversation
- Request updated information
- Possible deferral review
- Possible modification review
- Continue monitoring
Naming an owner is what turns a flag into follow-through. Pick who would carry this file at your institution.
20 months, month by month
The full available history, so the recent change is visible against the account's own past rather than against an assumption.
Aug 2024peak $10,280Mar 2026
Aug 2024peak $11,593Mar 2026
Aug 2024peak 6 depositsMar 2026
Review record
- Flag raised
- Oct 13, 2025
- Evidence
- Average daily balance 39.24% decline · Deposit source concentration 96.86%
- Assigned
- —
- Action
- —
- Recorded
- —
This example keeps nothing. In use the flag, the evidence behind it, and the action your team took are preserved together.
Inspectable and auditable
Every figure traces back to a transaction.
Transaction evidence gives you a real-time, structured, auditable record to supplement documents you already collect, and an audit trail from any flag back to the rows that produced it. Raw data, structured data, review flags, and actions taken can be preserved in auditable storage.
Actionable signals between reporting
Supplement payment history, annual financial statements and debt schedules in real time — verifying what they report and filling the months in between.
Your team decides
You set the policy and the signal thresholds, hold the follow-up conversation, and make the final judgment on any mitigation.
How does your team identify default risk today?
If you're ready to discuss post-origination portfolio monitoring…
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