robinhood-options-mobile

Banking, ACH Transfers & Linked Accounts

Overview

RealizeAlpha provides full native visibility and management for capital flows through the Banking & Transfers Dashboard. Users can monitor bank deposits, withdrawals, clearing and settlement timelines, cancel pending transfers, and review linked bank accounts and verification states (/ach/transfers/, /ach/relationships/).

Key Capabilities

1. ACH Transfers & Capital Movement

Net Cash Movement Tracking: Automated calculation of net capital inflow/outflow, total lifetime and period deposits, and total withdrawals.
Deposit & Withdrawal Monitoring: Complete ledger of all inbound deposits and outbound withdrawals with timestamps, reference IDs, and status.
Clearing & Settlement Timelines: Real-time visibility into expected landing and clearing dates for pending transfers (e.g. “Clearing estimated Sep 15”).
Pending Transfer Management: Prominent alert banner highlighting pending transfers in flight, with one-tap cancellation dialog for eligible pending orders.
Transfer Details Audit Trail: Bottom sheet inspection providing Transfer ID, Reference ID, linked bank account, fee breakdown ($0.00 standard ACH), scheduled status, and clearing states.

2. Linked Bank Accounts & Verification

Connected Institutions Directory: View all verified and pending bank relationships (Checking / Savings).
Primary & Default Accounts: Clear indicators for default bank routing (PRIMARY badge).
Sensitive Data Masking: Compliant masking of account numbers (****1234) and secure display of routing numbers and account holder names.
Verification Lifecycle: Status chips indicating account verification (Verified, Pending, Unlinked, Rejected).
ACH Policy Guidance: Transparent reference cards explaining standard 3-5 business day settlement windows, instant deposit availability limits, and cancellation criteria.

Architecture & Data Flow

Robinhood API Endpoints
  ├── /ach/transfers/
  └── /ach/relationships/
           │
           ▼
IBrokerageService / RobinhoodService / DemoService
  ├── getAchTransfersModel()      ──► List<AchTransfer>
  ├── getAchRelationshipsModel()  ──► List<AchRelationship>
  ├── cancelAchTransfer()         ──► Future<bool>
  └── AchSummary.fromTransfersAndRelationships() ──► AchSummary
           │
           ▼
BankingWidget (Two-Tab Dashboard)
  ├── Tab 1: Transfers
  │     ├── Net Cash Flow Hero Card (Net movement, total deposits, total withdrawals)
  │     ├── Pending Transfers In-Flight Banner (Expected settlement dates)
  │     ├── Filter & Search Bar (All, Deposits, Withdrawals, Pending, Completed, search)
  │     ├── Interactive Transfer Cards (Direction icon, amount, status badge, arrival date)
  │     └── Transfer Details Bottom Sheet (Timeline, reference IDs, cancellation action)
  └── Tab 2: Linked Accounts
        ├── Connected Banks Count & Verification Summary
        ├── Bank Cards (Institution nickname, type, masked account, routing, verified badge)
        └── ACH Transfer Guidelines Card

`BankingWidget` (`lib/widgets/banking_widget.dart`)

Accessible from:
1. User Settings (user_widget.dart): Under Account controls via the “Banking & Transfers” list item.
2. Account Badges (user_info_widget.dart): Quick access via the “Banking & Transfers” action badge.
Fully supports pull-to-refresh (RefreshIndicator), fast filtering chips (Deposits, Withdrawals, Pending, Completed), live keyword search across bank nicknames and transaction IDs, and responsive design for narrow and large viewports.