{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "title": "DepositAccountDescriptor",
  "description": "A deposit account. For example, a checking, savings or money market account.\nPlaid consumes more detailed information for `CHECKING` and `SAVINGS` accounts.\n\nThe `accountType` field for deposit accounts may be set to any of the following:\n\n- `CHECKING`: A deposit account held at a financial institution that allows withdrawals and deposits.\n- `SAVINGS`: An interest-bearing deposit account held at a bank or other financial institution.\n- `CD`: A certificate of deposit (CD) is a product offered by banks and credit unions that provides an interest rate premium in exchange for the customer agreeing to leave a lump-sum deposit untouched for a predetermined period of time.\n- `COMMERCIALDEPOSIT`: A deposit account for commercial customers, for example a business trust account.\n- `ESCROW`: A contractual arrangement in which a third party (the stakeholder or escrow agent) receives and disburses money or property for the primary transacting parties, with the disbursement dependent on conditions agreed to by the transacting parties.\n- `MONEYMARKET`: A deposit account that pays interest based on current interest rates in the money markets.\n- `OTHERDEPOSIT`: Use when none of the listed enums apply.\n\n**Consumption scope:**\n- **Balances**: Plaid returns balances for all deposit account types.\n- **Auth**: Plaid only consumes `CHECKING` and `SAVINGS` by default for Auth. The following types are not Auth-eligible unless allowlisted: `CD`, `MONEYMARKET`, `ESCROW`, `HIGHINTERESTSAVINGSACCOUNT`, `FIRSTHOMESAVINGSACCOUNT`, `OTHERDEPOSIT`.\n- **Transactions**: Plaid consumes transactions only for accounts mapped to `depository` (CHECKING, SAVINGS, CD, MONEYMARKET). Other deposit types mapped to `other/other` return balances only (no Auth, no transactions).\n",
  "allOf": [
    {
      "$ref": "#/components/schemas/AccountDescriptor"
    },
    {
      "type": "object",
      "properties": {
        "accountCategory": {
          "type": "string",
          "example": "DEPOSIT_ACCOUNT",
          "enum": [
            "DEPOSIT_ACCOUNT"
          ]
        },
        "accountType": {
          "$ref": "#/components/schemas/DepositAccountType"
        }
      },
      "required": [
        "accountType",
        "accountCategory"
      ]
    }
  ]
}