{"version":"0.35.0","built_at":"2026-10-24T11:24:42.001Z","license":"CC BY 4.0 © Mike Reams","canonical":"https://catalog.mikereams.com","value_stream":{"id":"VS-410","name":"Apply-to-Account","industries":["financial-services"],"description":"Carry a person or business from an application for a checking, savings or business account to a funded account they can use. The stream runs identity checks and screening before the account exists, so verification normally completes before the account is usable. Lending applications follow Application-to-Funding (VS-420).","outcome":"The customer holds an open, funded account with the right owners, terms and services, and the bank has a due diligence record it can defend.","trigger":"A prospective or existing customer applies for a deposit account in a branch, online or through a relationship manager.","aliases":["Account Onboarding","Open-to-Fund","Customer Onboarding (Deposits)","New Account Journey"],"stages":[{"id":"VS-410.10","order":1,"name":"Apply & Identify","description":"Capture the application, the owners and signers, and the identity evidence for each of them.","capability_ids":["BC-1710.20","BC-1770.10"],"events":[]},{"id":"VS-410.20","order":2,"name":"Verify & Screen","description":"Verify identity, find beneficial owners, screen against sanctions and watchlists, check for application fraud, and rate the customer's financial crime risk.","capability_ids":["BC-1770.10","BC-1770.30","BC-1770.40"],"events":[]},{"id":"VS-410.30","order":3,"name":"Open the Account","description":"Confirm the product and its terms, record ownership and disclosures, and open the account.","capability_ids":["BC-1710.10","BC-1710.20"],"events":[]},{"id":"VS-410.40","order":4,"name":"Fund & Set Up Services","description":"Take the opening deposit and set up cards, payments, statements and, for businesses, sweeps and balance reporting.","capability_ids":["BC-1730.10","BC-1730.40","BC-1710.30","BC-1710.50"],"events":[]},{"id":"VS-410.50","order":5,"name":"Activate & Welcome","description":"Confirm the first use of the account and services, answer early questions and set the date for periodic review.","capability_ids":["BC-460.40","BC-450.30","BC-1770.10"],"events":[]}]}}