Missing Baseline

Find out why and how to navigate a report that is missing the baseline

*Baseline is calculated as days 31-120 divided by 3*

 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.

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.

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. 

The data presented was gathered in 2023. It is important to note that some of the percentages may have changed over time due to integrations and connections with specific financial institutions.