Overview

This guide introduces new API capabilities and reporting enhancements that enable programmatic alignment between Newline transaction data and monthly bank statements issued by Fifth Third via Fifth Third Direct.

These new features provide structured, queryable access to key financial data, supporting automation and improved accuracy in reconciliation workflows.

This guide covers:

• API endpoints for retrieving daily closing balances for synthetic and custodial accounts
• Transaction-level metadata to identify statement posting dates
• Enhanced reporting via a daily CSV export and updates to existing transaction reports

These tools are designed to support developers integrating Newline data into internal accounting, reconciliation, and audit systems—enabling automation, accuracy, and operational efficiency.

Key Capabilities

• Statement Posting Date Identification: Enables correlation between Newline transactions and Fifth Third statement posting dates.
• Daily Account Closing Balances via API: Provides access to closing balances for synthetic and custodial accounts through dedicated endpoints.
• Enhanced Reporting: Includes a new daily CSV report and updates to existing reports to support automated reconciliation and auditing.

API Endpoints

Synthetic Accounts

1. GET /synthetic-account-closing-balances Retrieves a paginated list of synthetic account closing balances. Supports filtering by account identifiers and date ranges.
2. GET /synthetic-account-closing-balances/{uid} Retrieves the closing balance details for a specific synthetic account, including its balance as of a given date and associated metadata.

Custodial Accounts

1. GET /custodial-account-closing-balances Retrieves a paginated list of custodial account closing balances. Supports filtering by account identifiers and date ranges.
2. GET /custodial-account-closing-balances/{uid} Retrieves the closing balance details for a specific custodial account, including its balance as of a given date and associated metadata.

Reporting Enhancements

To complement the new API endpoints, the Transaction Reconciliation feature includes updates to reporting that support automated workflows and integration with internal accounting systems.

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Note: When receiving the initial settled MQ event or querying the API for a transaction with a settled status, the statement_posted_at and net_usd_closing_balance fields may not yet be populated. These fields are updated later in the lifecycle. Clients should implement a polling strategy to retrieve these data points once they become available.

Daily CSV Report

A new daily CSV report is available to facilitate programmatic reconciliation. It includes:

• Closing balances for synthetic and custodial accounts
• Transaction identifiers
• Statement posting dates

This file-based reporting option provides an alternative to API integration, enabling clients to ingest structured data into internal systems with minimal transformation.

Availability Timing for Closing Balances

Daily closing balance data will be available no later than 8:00 AM Eastern Time following a business banking day.

On a typical five-business-day week, balances will post Tuesday through Saturday, where:

• Tuesday reflects Monday’s closing balance
• Saturday reflects Friday’s closing balance

Clients should plan their data ingestion or polling strategies accordingly to ensure timely access to updated balances.

Updates to Existing Reports

Existing transaction reports have been enhanced with the following additions:

• **statement_posted_at**: Indicates the date a transaction was posted to the Fifth Third bank statement, allowing for precise alignment between Newline transaction data and official bank records.
• **net_usd_closing_balance**: A new field added to existing endpoints and CSV reports that provides the net closing balance in USD for synthetic and custodial accounts.