{"article":{"id":31616213845271,"url":"https://plaid.zendesk.com/api/v2/help_center/en-us/articles/31616213845271.json","html_url":"https://support.plaid.com/hc/en-us/articles/31616213845271-Which-balances-does-the-CRA-Base-Report-provide","author_id":5390778350871,"comments_disabled":false,"draft":false,"promoted":false,"position":0,"vote_sum":0,"vote_count":0,"section_id":36311990432791,"created_at":"2025-04-23T18:27:33Z","updated_at":"2026-05-31T19:17:47Z","name":"Which balances does the CRA Base Report provide?","title":"Which balances does the CRA Base Report provide?","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2026-05-31T19:17:47Z","user_segment_id":null,"permission_group_id":1121774,"content_tag_ids":[],"label_names":[],"body":"<p>The <a href=\"https://plaid.com/docs/api/products/check/#cracheck_reportbase_reportget\">CRA Base Report</a> returns an object with information on each account’s balances. Note that for all balance fields, for credit-type accounts, a positive balance indicates the amount owed, while a negative value may indicate the lender owes the account holder. In depository-type accounts, it reflects the total current balance, taking into account any pending transactions that have updated the ledger. The following balances are included:</p>\n<ul>\n<li>\n<strong>Available</strong> - The amount of funds available to be withdrawn from the account. Depending on the account type, this may reflect pending transactions, holds, or other institution-specific adjustments. See our <a href=\"https://plaid.com/docs/api/products/check/#cra-check_report-base_report-get-response-report-items-accounts-balances-available\">API docs</a> on specifics for each account type.</li>\n<li>\n<strong>Average Balance</strong> - The average historical balance for the entire report. This value is computed by averaging the account balance over the full period covered by the report.</li>\n<li>\n<strong>Average Monthly Balances</strong> - The average historical balance of each calendar month across the time period covered by the generated report. This breakdown lets you analyze how the account balance fluctuates on a month-to-month basis, providing insights into seasonal trends or recurring patterns.</li>\n<li>\n<strong>Current</strong> - The total amount of funds in or owed by the account.</li>\n<li>\n<strong>Most recent 30-day average balance</strong> - The average historical balance from the most recent 30 days. This more granular metric can indicate shorter-term trends and may be particularly useful for detecting recent changes in spending or saving behavior.</li>\n<li>\n<strong>Limit</strong> - For credit-type accounts, this represents the credit limit. For depository-type accounts, this represents the pre-arranged overdraft limit, which is common for current (checking) accounts in Europe. In North America, this field is typically only available for credit-type accounts.</li>\n</ul>","user_segment_ids":[]}}