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Find out why and how to navigate a report that is missing the baseline
*Baseline is calculated as days 31-120 divided by 3*
For a detailed breakdown of financial institutions and the percentage of reports that do not generate a baseline, please scroll to the bottom of this article.
The Baseline is generated when an account has 112-120+ days of transactions available on the account.
If a TurboPass report did not generate a Baseline in the Cash Flow Over Time section of the report, make sure to check the top of the report for the amount of days the financial institution provided as seen below.
In the case of a report bringing back only 90 days, the issue lies in two places; The financial institution does not allow 90+ days of transactions to be shared with any third-party company. Or there is specific setting(s) not allowing 90+ days to be shared.
First, advise the customer to navigate to their account settings and look for settings related to Privacy Preferences, Security Settings, or Privacy Setting sections of their online banking platform. By accessing these settings, the customer can review and modify their privacy preferences to allow third party access to the necessary account information. This could also be related to the "Paperless Statements" section of the account. If only 90 days comes back, make sure the customer has "Paperless Statements" ON. Once they enable the required settings, send the invitation to the customer and try again.
Unfortunately, there are some financial institutions that DO NOT allow 90+ of transactions to be shared with third parties. Please refer to the bottom of this article for these known institutions.
If the report brings back between 95-110 days, this indicates there is not enough days available on the account to generate the Baseline. We suggest you wait the remaining days to get to AT LEAST 112 days of transactions and run the report again.
If you have tried the suggested workarounds with no success, please contact
Ethan Jarman
ethan@turbopassusa.com
(737)256-7990
Since every bank has unique settings, we are unable to provide specific solutions for each individual bank.
As we continue to address this issue and work with specific used cases, we will include them below:
- TD Bank Report: (Only 90 days)
Download Document with Next Steps Tutorial
Keep in mind that if a financial institution has a 0% chance of returning a baseline, it's likely due to the institutions restrictions in sharing certain amounts of data with third-party providers.
Financial Institution |
% of Reports with Baseline |
| Credit Karma | 0.00% |
| Dave | 0.00% |
| Capital One | 0.33% |
| Suncoast Credit Union | 0.60% |
| First National Bank Texas & First Convenience Bank | 0.92% |
| PNC | 22.44% |
| Square | 27.09% |
| TD Bank | 38.74% |
| BankMobile VIBE | 40.38% |
| Green Dot Prepaid Debit Card | 41.18% |
| Golden 1 Credit Union | 48.34% |
| Seis | 51.81% |
| PayPal | 53.75% |
| Space Coast Credit Union | 55.14% |
| Citizens Bank | 58.55% |
| Skylight ONE - SkylightOne | 59.43% |
| GO2bank | 62.80% |
| Frost Bank | 64.26% |
| Atlantic Union Bank - Personal Online Banking | 65.60% |
| Discover | 66.56% |
| SoFi | 69.17% |
| Current | 69.86% |
| ONE | 70.99% |
| Branch | 71.03% |
| Wisely | 71.07% |
| Uber Pro Card | 72.22% |
| Rockland Trust | 72.56% |
| Venmo - Personal | 72.75% |
| Found | 73.15% |
| Netspend All-Access Account by MetaBank | 73.82% |
| Redwood Credit Union - Digital Banking | 75.00% |
| Mountain America Credit Union | 76.16% |
| America First Credit Union | 76.47% |
| BMO (US) | 77.64% |
| Chime | 77.68% |
| Walmart MoneyCard by Green Dot | 78.15% |
| Delta Community Credit Union | 79.73% |
| FirstBank (Colorado) - Personal Online Banking | 81.01% |
| ACE Flare Account by Metabank | 82.41% |
| Old National Bank | 82.46% |
| Varo Bank | 83.32% |
| First National Bank of Omaha - Online Banking | 83.51% |
| Dade County Federal Credit Union | 83.96% |
| Regions Bank | 84.11% |
| Navy Federal Credit Union | 84.23% |
| SAFE Credit Union (CA) | 84.25% |
| Woodforest National Bank | 84.28% |
| Ally Bank | 84.35% |
| Fifth Third Bank | 85.08% |
| Truist | 85.14% |
| Desert Financial Credit Union | 85.27% |
| SouthState Bank - Online Banking | 85.59% |
| Boeing Employees Credit Union (BECU) - Personal Online Banking | 85.64% |
| VyStar Credit Union | 85.77% |
| Ocean Bank (FL) | 85.82% |
| KeyBank | 85.90% |
| Altura Credit Union | 85.96% |
| Digital Federal Credit Union | 86.07% |
| United Bank - Personal & Small Business | 86.18% |
| U.S. Bank | 86.60% |
| First Horizon Bank - Digital Banking | 86.62% |
| Nusenda Credit Union | 87.10% |
| M&T Bank | 87.37% |
| Santander - Personal | 87.60% |
| Chase | 87.62% |
| FAIRWINDS Credit Union | 87.64% |
| MIDFLORIDA Credit Union | 87.80% |
| IBC Bank | 87.97% |
| Synovus - Personal | 88.15% |
| Citibank Online | 88.20% |
| Bank of America | 88.99% |
| Arvest Bank - Online Banking | 89.38% |
| Huntington Bank | 89.44% |
| South State Bank - Online Banking | 89.53% |
| Randolph Brooks Federal Credit Union | 89.61% |
| Cadence Bank - Retail | 89.62% |
| Ent Credit Union | 90.20% |
| Idaho Central Credit Union | 90.23% |
| First Financial Bank | 90.26% |
| Global Credit Union | 90.29% |
| Arrowhead Credit Union | 90.38% |
| Wells Fargo | 90.67% |
| GECU | 90.74% |
| OnPoint Community Credit Union | 90.96% |
| First United Bank | 90.99% |
| Schools First FCU | 91.03% |
| State Employees' Credit Union (NC) | 91.29% |
| Prosperity Bank | 91.46% |
| First Citizens Bank - Digital Banking | 92.61% |
| USAA | 93.27% |
The data presented was gathered in 2024. It is important to note that some of the percentages may have changed over time due to integrations and connections with specific financial institutions.