---
title: Daily balance file
slug: concepts/cards/reporting-and-compliance/daily-balance-file
description: Daily card balance file for reconciliation and compliance, including card status, balances, lifecycle dates, transaction activity, and charge-offs.
docTags:
createdAt: 2026-06-08T14:23:41.023Z
---
## Card balance file
This file provides the ending balance and status for each issued card at the end of each business day. This file supports account reconciliation, negative balance monitoring, and charge-off reporting. It also supports other Cross River operational and compliance oversight functions.
:::hint{type="info"}
Daily balance files are only required for Cross River held funds and external ledger
:::
## File delivery and format
Refer here for [file delivery](docId\:i4b_iqAVcQFp9m1611twC) and [file format](docId\:i4b_iqAVcQFp9m1611twC) details.
## Sample card balance file
The following file contains sample data. If you have any questions, please be in touch with your onboarding team.
::File{src="https://api.archbee.com/api/presign/4hvUOg5mU1sCngl0n0Has/TgeIOM09YMTSUjm3mSRtZ-20260616-065427.csv" label="Card_Balance_Report_Template.csv"}
## Explanation of fields
| Field | Data Type | Description | Required/Conditional |
| ----------------------- | ------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------- |
| unique\_program\_id | varchar(12) | Processors planning to have
different programs should
provide an identifier that we
would map for settlement and
reconciliation. | Required |
| product\_id | varchar(12 | If a given program has more
than one type of card, the
processor should include a
product identifier, e.g., 1001 =
Credit Card, 1002 =
Commercial Prepaid, 1003 =
Platinum, etc.
| Required |
| user\_id | varchar(50) | Identifier given to each unique
customer or cardholder
| Required |
| card\_id | varchar(50) | Identifier given to each unique
card issued to an account
| Required |
| card\_status | varchar(20) | Card status at the prior day’s
cut-off time | Required |
| status\_change\_date | DATETIME (YYYY-MM-DD HH\:MM\:SS.sss) | Date and time of the most
recent status change of the
card
| Required |
| current\_balance | decimal(18,4) | Card balance, excluding
pending authorizations, at the
prior day’s cut-off time | Required |
| available\_balance | decimal(18,4) | Card balance, including
pending authorizations, at the
prior day’s cut-off time | Required |
| created\_date | DATETIME (YYYY-MM-DD HH\:MM\:SS.sss) | Date and time when the card
was first created | Required |
| activation\_date | DATETIME (YYYY-MM-DD HH\:MM\:SS.sss) | Date and time when the card
was first activated
| Conditional- blank if card is still in 'Issued' status. Required once card transitions to 'Active' |
| last\_transaction\_date | DATETIME (YYYY-MM-DD HH\:MM\:SS.sss) | Date and time when the card
last had a balance-affecting
transaction | Conditional- blank if the card has not had a transaction |
| negative\_balance\_date | DATETIME (YYYY-MM-DD HH\:MM\:SS.sss) | Date and time of the most
recent time the card had a
negative balance | Conditional - blank if the card has not had a negative balance |
| closed\_date | DATETIME (YYYY-MM-DD HH\:MM\:SS.sss) | Date and time when the card
was permanently closed | Conditional - blank unless card is 'closed' |
| charge\_off\_amount | decimal(18,4) | Balance of the card at the time
of closing following a chargeoff | Conditional - blank if account not charged off. Populated only when delinquency\_bucket = 'Charged-Off'. |
| | | | |
### Expected values for card status
| Status | Explanation |
| ------------- | ----------------------------------------------------------- |
| Issued | Card was issued but it yet to be activated |
| Active | Card has been activated and is open to transact |
| Suspended | Card temporarily suspended by cardholder or program manager |
| Fraud Blocked | Card blocked by program manager due to fraud |
| Closed | Card permanently closed (end state) |