Account Activity Questions

Depending on your institution's configuration, you can include an Account activity page in all Account Opening flows. This page contains customer due diligence questions for the applicant to answer. These custom questions give you the ability to capture an applicant’s intended usage of their accounts and help you build a risk profile for the account/applicant. For example, “Do you intend to write checks from this account?” 

Note: If you configure an account activity question, it is required that the applicant respond. They cannot proceed with the application without responding.

The questions and the applicant’s responses are displayed in the application view and Application Record/Membership Card of the Admin platform. They also display in the "account_activity_answers" column of the Consumer Account Applications report, Business Account Applications report, and Staffer-led Account Applications report. For more information on reports, go to Reports.

Questions for all Account Opening flows can be formatted as yes/no, freeform, and dropdown. The user's answers to freeform questions are limited to 95 characters. There is no limit to the number of questions you can add.

Configuring Account Activity Questions

You can configure these questions in the Admin Platform's Institution Settings using our rich editor, which is our basic formatting tool, or using JSON, which is a simple way to format data in web applications.

Using the Rich Editor

1. From the Admin Platform sidebar, select Configurations > Institution Settings and search for "Customer Due Diligence." Select Edit next to one of three settings to configure:
   • Customer Due Diligence Business Questions – For Business Account Opening
   • Customer Due Diligence Consumer Questions – For Consumer Account Opening
   • Customer Due Diligence Consumer Staffer-led Questions – For Consumer Staff-Led Account Opening
2. The rich editor is on by default. Each question is listed as an "Item." To add a new question, select Add item at the bottom of the rich editor (shown in the image below). To delete a question, select Delete item below the specific item.
   Scroll down for a list of the available item fields.
   
   Edit the available fields in the rich editor:
   • question – The text of the question
   • portalVersion (optional) – A simplified version of the question that displays in the Admin Platform's Applications view
   • questionType – The type of question, either: freeform (questions that allow open input text answers), dropdown (questions that allow answers to be selected from a dropdown menu), or Yes/no
   • label (optional) – A label for input fields, for example, "Select option"
   • options (optional) – A list of options the user can select as an answer to dropdown questions; check the box and select Add item to add answers.
   • index – A numerical index used for the Account Applications report and does not affect the user-facing question order
     
     To change the question order you can use JSON, or delete and re-add items in the desired order.
3. Once you are finished adding or editing questions, add a Note about the changes.
   
   
4. Select Save changes to finish.

Using JSON

To configure questions using JSON:

1. From the Admin Platform sidebar, select Configurations > Institution Settings and search for "Customer Due Diligence." Select Edit next to one of three settings to configure:
   • Customer Due Diligence Business Questions – For Business Account Opening
   • Customer Due Diligence Consumer Questions – For Consumer Account Opening
   • Customer Due Diligence Consumer Staffer-led Questions – For Consumer Staff-Led Account Opening
2.  Select the Use rich editor toggle to turn it off.
   
   
3. Once the rich editor is turned off, you can add or edit questions using JSON in the box provided.
   
   
   

   Understanding the JSON Structure

   The following values make up the JSON structure for account activity questions:
   

   • Array of Objects – The entire JSON is an array (or list of values) indicated by square brackets [], containing multiple objects
   • Object – Each object represents a question with various properties indicated by curly braces {}
   • question – The text of the question in quotes
   • portalVersion – A simplified version of the question that displays in the Admin Platform's Applications view
   • index – A numerical index used for the Account Applications report and does not affect the user-facing question order
   • questionType (optional) – The type of question, either: freeform (questions that allow freeform text answers), dropdown (questions that allow answers to be selected from a dropdown menu), or Yes/no (the default if no questionType is added)
   • label (optional) – A label for input fields, for example, "Select option"
   • options (optional) – A list of options the user can select as an answer to dropdown questions
   
   
4. The following instructions cover how to add a new question, edit an existing question, change dropdown options, remove a question, or change question order.

   Add a New Question

   To add a new question, add a new object within the array. Add a comma after the last curly brace }, and insert the new question before the last square bracket ]. For example, to add "Will you make remote deposits?" as a sixth question:
   Original:

       {
           "question": "How did you hear about us?",
           "portalVersion": "Marketing Reach",
           "index": 5,
           "questionType": "dropdown",
           "label": "Select option",
           "options": [
               "Social Media",
               "Friend/Family",
               "Aqua Bank Employee"
           ]
       }
   ]

   
   Edited:

       {
           "question": "How did you hear about us?",
           "portalVersion": "Marketing Reach",
           "index": 5,
           "questionType": "dropdown",
           "label": "Select option",
           "options": [
               "Social Media",
               "Friend/Family",
               "Aqua Bank Employee"
           ]
       },
       {
           "question": "Will you make remote check deposits?",
           "portalVersion": "Remote deposits",
           "index": 6
       }
   ]

   Edit an Existing Question

   To edit an existing question, change the values within the desired object. For example, to change the first question:
   Original:

   {
       "question": "Is this account for personal use?",
       "portalVersion": "Personal Use?",
       "index": 1
   }

   Edited:

   {
       "question": "Is this account for business use?",
       "portalVersion": "Business Use?",
       "index": 1
   }

   Change Dropdown Options

   To change the options in a dropdown, edit the options array within the object. For example, to add an option "Advertisement" to the fifth question:
   Original:

   {
       "question": "How did you hear about us?",
       "portalVersion": "Marketing Reach",
       "index": 5,
       "questionType": "dropdown",
       "label": "Select option",
       "options": [
           "Social Media",
           "Friend/Family",
           "Aqua Bank Employee"
       ]
   }

   Edited:

   {
       "question": "How did you hear about us?",
       "portalVersion": "Marketing Reach",
       "index": 5,
       "questionType": "dropdown",
       "label": "Select option",
       "options": [
           "Social Media",
           "Friend/Family",
           "Aqua Bank Employee",
           "Advertisement"
       ]
   }

   Remove a Question

   To remove a question, delete the entire object from the array. For example, to remove the second question:
   Original:

   {
       "question": "Will you be making frequent cash deposits or withdrawals?",
       "portalVersion": "Cash Transactions?",
       "index": 2
   }
   
   
   

   Remove the above object from the array, including the comma after the last set of curly braces in the array.

   Change Question Order

   To change the order of questions, move the entire object to a different position in the array. For example, to move the first question below the second:
   Original:

   [
       {
           "question": "Is this account for personal use?",
           "portalVersion": "Personal Use?",
           "index": 1
       },
       {
           "question": "Will you be making frequent cash deposits or withdrawals?",
           "portalVersion": "Cash Transactions?",
           "index": 2
       },

   
   Edited:

   [
       {
           "question": "Will you be making frequent cash deposits or withdrawals?",
           "portalVersion": "Cash Transactions?",
           "index": 2
       },
       {
           "question": "Is this account for personal use?",
           "portalVersion": "Personal Use?",
           "index": 1
       },

   
   
5. Once you are finished adding or editing questions, add a Note about the changes.
   
   
6. Select Save changes to finish.