Application View

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From the Admin Platform's Applications list, select an application row to view its details. A scrollable sidebar opens where you can see applicant details, accounts and funding, disclosures, and application history. Scroll down in this article for descriptions of each field.

Use the arrows on the left to easily go to the next or previous application without having to select each application individually. When finished reviewing, select the "X" on the upper left to close the sidebar.

This article describes the information in the application view.

The application detail contains the following sections.

Header Details

Across the top of the application view, quickly see the applicant's name, application type, and status. Go to Application Actions for an explanation of the options available from the three dots menu that appears on the right for certain statuses.

Applicant Name – The applicant's first and last name; for joint applications, both names display
Application Type – Either "Business" or "Consumer" displays to the right of the applicant's name.
Application Status – The status of the application displays to the right of the application type. For a list of common application statuses, go to Application Statuses.

Application Details

Date created – The timestamp the application was initially created in the Digital Account Opening product. The application is created after the applicant submits their contact information.
Last updated – The date when the application was last updated. This could be the application submitted timestamp, but it may also be when the applicant returned to complete the application but did not submit it.
Application ID – A unique ID for the application. Please always reference this ID when submitting a support ticket to Narmi.
Membership card (for credit unions) or Application record (for banks) – Once the application has been submitted, you can select View PDF to view the applicant's membership card or application record, and download the file for your records. The following image is an example of a consumer membership card.
Application number – Used for internal Narmi tracking
Source – Specifies which product flow the application was initiated from, either “Account opening,” “Online banking,” or “Staffer-Led”

Applicant Details (Consumer Only)

This section displays applicant information for consumer applications only.

Name
Phone number
Email
Date of birth
Social security number/ITIN – SSN or Individual Taxpayer Identification Number (ITIN). Select the eye icon to reveal the number, select again to hide the number
Physical address
Mailing address
Identity evaluation – Select View in Alloy to see the full identity evaluation decision in the Alloy Platform. For more information on Alloy and the identity decisioning process, see About Identity Decisioning.
Identity evaluation tags – Criteria that the applicant met when they were evaluated in Alloy, for example, KYC DOB Match, KYC Address Match, KYC Name Match, KYC SSN Match, Phone Match
Existing applicant – Yes or No to whether the applicant has existing accounts at your financial institution

Business Details (Business Only)

This section displays for business applications only.

Business type – Either Corporation, General Partnership, Limited Liability Company (LLC), or Sole Proprietorship
Phone number
Email
Physical address
Mailing address
Date of organization/partnership/incorporation – For LLCs, general partnerships, or corporations
State of organization/partnership/incorporation – For LLCs, general partnerships, or corporations
Tax ID/EIN – The Federal Tax ID or IRS Employer Identification Number (EIN)
Identity evaluation – Select View in Alloy to see the full identity evaluation decision in the Alloy Platform. For more information on Alloy and the identity decisioning process, see About Identity Decisioning.
Identity evaluation tags – Criteria that the business met when they were evaluated by Alloy, for example, Secretary of State Match, Business Name Matched, Address Matched, FEIN Found
Industry – The industry entered by the applicant; determined from the entered NAICS code—the business’ six-digit North American Industry Classification System Code

Ownership Details (Business Only)

This section displays for business applications only.

Name
Phone number
Email
Date of birth
Social security number/ITIN –SSN or Individual Taxpayer Identification Number (ITIN). Select the eye icon to reveal the number, select again to hide the number
Ownership percentage – Percentage of ownership in the business
Role – For applicants who are not beneficial owners
Physical address
Mailing address
Control person – Yes or No to whether the control person has the ability to control, manage, or direct the business. To comply with BSA regulations, there must be at least one control person indicated to proceed with the application.
Authorized signer – Yes or No to whether an authorized signer is legally permitted to spend or commit monies on behalf of the business
Existing applicant –Yes or No to whether the applicant has existing accounts at your financial institution
Identity evaluation – Select View in Alloy to see the full identity evaluation decision in the Alloy Platform. For more information on Alloy and the identity decisioning process, see About Identity Decisioning.
Identity evaluation tags – Criteria that the beneficial owner or authorized signer met when they were evaluated in Alloy, for example, KYB DOB Match, KYC Address Match, KYC Name Match, KYC SSN Match, Phone Match

Additional Ownership Details (Business Only)

This section includes the same fields as the Ownership Details section above. This displays only if additional beneficial owners or authorized signers were added by the business applicant.

Accounts and Funding

Funding account – The method and account used for funding, for example, "Card XXXX4747"
Note: To protect customers from fraud, some financial institutions share a Tokenized Account Number (TAN), which is a substitute routing and account number pair used in place of an actual account number for debit or credit transactions. When reviewing applications, please keep in mind that the funding account number shown could be a TAN and therefore not match the user’s actual account number. This explanation appears when selecting the info icon next to the card number.
Funding processor – The processor who generates the NACHA files for funding; this displays one of the following:
- Authorize.net – for ACH and debit/credit card transactions
- Internal account - for debit/credit card transactions from internal accounts (accounts with your institution). This funding type is available from the Consumer Account Opening in Digital Banking flow.
Account number – The account number that is generated on the core banking system. This only displays if the application is in the “Opened” or “Opening Failed” statuses. The “Opening Failed” status can still result in account numbers if an error occurs during the opening of the account on the core. For more information, go to Core Banking System Outages or Errors.
Product (Savings, Checking, etc.) – The amount of initial funding allocated to the selected product
Courtesy pay – If "Yes," the applicant opted in to Courtesy Pay (for institutions that have it enabled)
Debit card – If the applicant requested a debit card, this field shows “Created for [account number].” If the applicant did not request a debit card, the value will be “None Requested.”
Referral code – If the applicant applies with a referral code, it will appear here, otherwise "None" shows. Go to Refer a Friend/Member for more information.

Account Activity

This section displays answers to the customer due diligence questions in the user's application. You can configure these yes/no questions in the Admin Platform under Institution Settings > Customer Due Diligence Consumer Questions or Customer Due Diligence Business Questions.

Metadata

This section displays relevant metadata for a user’s application, depending on the institution.

Debit Card Status – Either “Created for [account number],” “None Requested,” or “Requested but no eligible accounts.”
applicantYesNoResponses – Applicant responses to eligibility questions

Disclosures

If "Accepted," the applicant accepted the Terms & Conditions disclosure while opening an account. This is the record of the applicant accepting the terms, which includes the timestamp of when the disclosures were accepted.