Predictika · Deposit account opening

An AI service agent's deposit account request, checked before it is submitted

An AI service agent prepares a request to open a savings account or a certificate of deposit, with a product, a term, a deposit, owners, beneficiaries, a funding day, planned withdrawals and the annual interest it states to the customer. Before it is submitted, the agent sends it to Predictika, which checks it against a declarative model of the product rules and returns a verdict and every reason.

Scope: Marcus by Goldman Sachs deposit account requests: Online Savings, High-Yield CD, Rate Bump CD and No-Penalty CD, with terms, minimums, balance limits, owners, beneficiaries, funding windows, withdrawals and stated interest. See everything this validator covers

This validator models deposit account-opening requests, not just the scenarios shown below.

  • Product, term and deposit — the terms each CD offers, the CD minimum deposit, and the limit for a single account.
  • Owners and balances — one or two owners, up to six beneficiaries, the limit across an owner's Marcus deposits (joint owners share equally), and a note when the balance passes FDIC coverage.
  • Funding and withdrawals — the 30-day funding window and 10-day rate guarantee for CDs, late funding of a savings account, no partial CD withdrawals, the early-withdrawal penalty, and the No-Penalty CD rules for added funds and the first withdrawal day.
  • Stated interest — the annual interest stated in the request against the interest computed from the deposit and the modeled yield.

Any Marcus deposit request that touches these rules is in scope — not only the scenarios pictured here. Not covered: IRA CDs, transfer limits, referral promotions and rate changes after opening. Terms, the High-Yield CD and Online Savings yields at the time they were read, minimums, limits, the funding window, the rate guarantee, the early-withdrawal penalties and the withdrawal rules follow Marcus's public pages; the Rate Bump and No-Penalty terms and yields, the one-or-two-owner limit and the approval rules are modeled, not published by Marcus.

The AI sales agentBuilds the account-opening request from the conversation and says it is ready.
Predictika validatorChecks every rule at once and returns the verdict, each finding, and the computed figures.

6 scenarios in 3 groups · each group runs from the agent’s first attempt to the outcome · click one to switch

What the agent proposes

The AI sales agent says

Illustrative agent statement. The validator receives the structured request below.

Proposing agent: AI sales agent (scripted)

Before sending, the agent must call Recorded run

Predictika validator


      

        
        
        
      

      
Waiting for the call.

      
    

  

  
  

    
Where rules-based CPQ gets it wrong
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Our assessment of what a typical rules-based CPQ (product rules, price rules and validation rules, as in Salesforce CPQ) does with the same cases. It is a judgment about effort and reliability, not a claim that nothing can be built.

    
What the validator caughtTypical rules-based CPQPredictika
CD terms that depend on the productOnly with care
Each CD product offers a different set of terms, so a term rule is needed for every product and changes whenever the offer does.		The product and the term are fields of one request and are checked together on every call.
Balance limits across accounts and ownersOnly with workarounds
The limit for an owner depends on the existing balance, the new deposit and whether the owners are joint, and FDIC coverage adds a second threshold.		The balances are computed and compared with both limits on every call.
Funding windows and rate guaranteesOnly with care
The window differs by product, and a request funded after 10 days loses the rate guarantee without being blocked.		The funding day is checked against each window and the review comes back with the blocks.
Withdrawal rules by productOnly with workarounds
Partial withdrawals, early-withdrawal penalties, added funds and the first withdrawal day differ for each CD product.		Every withdrawal field is checked together, whatever order the choices arrived in.
Stated interest against computed interestOnly with workarounds
The interest depends on the product, the term and the deposit, so any change has to be recomputed.		The stated interest is a field of the request and is compared with the computed one on every call.
Every problem returned in one answerOnly with workarounds
Rules tend to fire as a step is completed, so a rep often fixes one error and meets the next.		All findings come back together, whatever order the choices arrived in.

  

  

    
What this validator catches: findings from its test cases
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Every rule is checked on every call, in any order the choices arrive; one problem never hides another. Blocking findings stop the request; approval findings need a person to sign off; everything else is computed.

    
1A term of 10 months is not offered for this product.
2A term of 84 months is not offered for this product.
3The opening deposit of 499 dollars is below the 500 dollar CD minimum.
4The owner balance would exceed the 250,000 dollar FDIC coverage (twice the per-owner share is 1,000,000); the customer should be told.
5The deposit of 1,000,001 dollars is above the 1,000,000 dollar limit for a single savings account or CD.
6The owner balance would exceed the 250,000 dollar FDIC coverage (twice the per-owner share is 1,000,001); the customer should be told.
7The owner balance would exceed the 250,000 dollar FDIC coverage (twice the per-owner share is 6,000,000); the customer should be told.
8The owner would hold more than 3,000,000 dollars across Marcus deposit accounts (twice the per-owner share is 6,000,002).
9The owner balance would exceed the 250,000 dollar FDIC coverage (twice the per-owner share is 6,000,002); the customer should be told.
10An account has one owner or two joint owners; the quote lists 3.
11An account allows at most 6 beneficiaries; the quote lists 7.
12Funding after 10 days is outside the CD rate-guarantee window (30 days); the rate may differ from the quoted APY.
13A High-Yield or Rate Bump CD must be fully funded within 30 days of opening; the quote funds it after 31 days.
14Funding after 10 days is outside the CD rate-guarantee window (11 days); the rate may differ from the quoted APY.
15A savings account not funded within 60 days of opening may be closed; funding after 61 days needs confirmation.
16Partial principal withdrawals are not permitted from a CD before maturity.
17Withdrawing principal before maturity costs 90 days of interest; the customer must acknowledge the penalty.
18Withdrawing principal before maturity costs 180 days of interest; the customer must acknowledge the penalty.
19Withdrawing principal before maturity costs 270 days of interest; the customer must acknowledge the penalty.
20A term of 12 months is not offered for this product.
21A No-Penalty CD can be withdrawn in full only from 7 days after funding; the quote withdraws it on day 6.
22No additional deposits are accepted on a No-Penalty CD once it holds 500 dollars or more.
23The owner balance would exceed the 250,000 dollar FDIC coverage (twice the per-owner share is 600,000); the customer should be told.
24The quote states annualized interest of 109,999 cents; the modeled APY gives 110,000 cents.
25The quote states annualized interest of 110,100 cents; the modeled APY gives 110,000 cents.
26The opening deposit of 100 dollars is below the 500 dollar CD minimum.
27An account allows at most 6 beneficiaries; the quote lists 8.
28A High-Yield or Rate Bump CD must be fully funded within 30 days of opening; the quote funds it after 40 days.

  

  

    
Scenarios and results
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The recorded result of the validator for each scenario on this page: the request the AI agent sent, the verdict, and every finding, in the order they appear above.

    
1. Term, deposit, owners and funding: A request for a High-Yield CD with a short term, a small deposit, three owners and seven beneficiaries

    
The agent's request. Please open a High-Yield CD for 3 owners, with a term of 10 months and a $400 deposit. The account has 7 beneficiaries and is funded on day 45 after opening; a partial withdrawal is planned. The request states annual interest of 1,760 cents, which is $17.60. It is ready to submit.

    
Verdict: Blocked.

    
    
      
  • CD term not offered. A term of 10 months is not offered for this product.
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  • Below the CD minimum deposit. The opening deposit of 400 dollars is below the 500 dollar CD minimum.
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  • Number of owners not supported. An account has one owner or two joint owners; the quote lists 3.
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  • Too many beneficiaries. An account allows at most 6 beneficiaries; the quote lists 7.
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  • CD not funded within 30 days. A High-Yield or Rate Bump CD must be fully funded within 30 days of opening; the quote funds it after 45 days.
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  • Partial withdrawal from a CD. Partial principal withdrawals are not permitted from a CD before maturity.
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2. Term, deposit, owners and funding: The agent resubmits after fixing the errors

    
The agent's request. Please open a High-Yield CD for two joint owners, with a term of 12 months and a $5,000 deposit. The account has 4 beneficiaries and is funded on day 5 after opening. The request states annual interest of 22,000 cents, which is $220. It is ready to submit.

    
Verdict: Allowed.

    
    
      
  • Request summary. 5,000 dollar opening deposit, estimated annualized interest of 22,000 cents at a modeled APY of 440 basis points, early-withdrawal penalty of 90 days of interest.
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3. No-Penalty CD: A request for a very large No-Penalty CD with an early withdrawal and added funds

    
The agent's request. Please open a No-Penalty CD for one owner, with a term of 11 months and a $1,200,000 deposit. The account has 2 beneficiaries and is funded on day 0 after opening; more funds will be added later and a full withdrawal is planned on day 5. The request states annual interest of 4,560,000 cents, which is $45,600. It is ready to submit.

    
Verdict: Blocked.

    
    
      
  • Over the per-account balance limit. The deposit of 1,200,000 dollars is above the 1,000,000 dollar limit for a single savings account or CD.
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  • Added funds on a funded No-Penalty CD. No additional deposits are accepted on a No-Penalty CD once it holds 500 dollars or more.
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  • No-Penalty CD withdrawn before day 7. A No-Penalty CD can be withdrawn in full only from 7 days after funding; the quote withdraws it on day 5.
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  • Balance above FDIC coverage. The owner balance would exceed the 250,000 dollar FDIC coverage (twice the per-owner share is 2,400,000); the customer should be told.
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4. No-Penalty CD: The agent resubmits after fixing the errors

    
The agent's request. Please open a No-Penalty CD for one owner, with a term of 11 months and a $240,000 deposit. The account has 2 beneficiaries and is funded on day 0 after opening; a full withdrawal is planned on day 7. The request states annual interest of 912,000 cents, which is $9,120. It is ready to submit.

    
Verdict: Allowed.

    
    
      
  • Request summary. 240,000 dollar opening deposit, estimated annualized interest of 912,000 cents at a modeled APY of 380 basis points, early-withdrawal penalty of 0 days of interest.
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5. Large balance and early withdrawal: A request for a large High-Yield CD with a planned early withdrawal and late funding

    
The agent's request. Please open a High-Yield CD for one owner, with a term of 12 months and a $900,000 deposit. The owner already holds $1,500,000 in Marcus deposits. The account has 2 beneficiaries and is funded on day 45 after opening; an early withdrawal of principal is planned. The request states annual interest of 3,960,000 cents, which is $39,600. It is ready to submit.

    
Verdict: Blocked.

    
    
      
  • CD not funded within 30 days. A High-Yield or Rate Bump CD must be fully funded within 30 days of opening; the quote funds it after 45 days.
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  • Early withdrawal penalty to acknowledge. Withdrawing principal before maturity costs 90 days of interest; the customer must acknowledge the penalty.
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  • Balance above FDIC coverage. The owner balance would exceed the 250,000 dollar FDIC coverage (twice the per-owner share is 4,800,000); the customer should be told.
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6. Large balance and early withdrawal: The agent resubmits after fixing the errors

    
The agent's request. Please open a High-Yield CD for one owner, with a term of 12 months and a $900,000 deposit. The owner already holds $1,500,000 in Marcus deposits. The account has 2 beneficiaries and is funded on day 20 after opening; an early withdrawal of principal is planned. The request states annual interest of 3,960,000 cents, which is $39,600. It is ready to submit.

    
Verdict: Needs approval.

    
    
      
  • Early withdrawal penalty to acknowledge. Withdrawing principal before maturity costs 90 days of interest; the customer must acknowledge the penalty.
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  • Rate guarantee window passed. Funding after 10 days is outside the CD rate-guarantee window (20 days); the rate may differ from the quoted APY.
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  • Balance above FDIC coverage. The owner balance would exceed the 250,000 dollar FDIC coverage (twice the per-owner share is 4,800,000); the customer should be told.
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  • Request summary. 900,000 dollar opening deposit, estimated annualized interest of 3,960,000 cents at a modeled APY of 440 basis points, early-withdrawal penalty of 90 days of interest.
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Narration transcript
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The text of the narrated walkthrough, step by step.

    
    
      
  1. Welcome to a demo of Predictika's Validator. An AI service agent prepares a request to open a savings account or a certificate of deposit, with a product. Before it is submitted, the agent sends it to Predictika, which checks it against a declarative model of the product rules and returns a verdict and every reason.
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  2. I will start with the first request by the agent.
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  3. The agent says. Please open a High-Yield CD for 3 owners, with a term of 10 months and a $400 deposit. The account has 7 beneficiaries and is funded on day 45 after opening; a partial withdrawal is planned. The rest of the request is on screen. The request states annual interest of 1,760 cents, which is $17.60.
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  4. Before it goes out, the agent calls the validator.
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  5. Blocked, with six findings, all in one answer. A term of 10 months is not offered for this product. The opening deposit of 400 dollars is below the 500 dollar CD minimum. An account has one owner or two joint owners; the quote lists 3. The other three are on screen.
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  6. The validator returned six blocking findings in one answer. A check that reads one field at a time would pass most of this; it shows only when the choices in the request are checked against each other.
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  7. What this shows: for CD terms that depend on the product, a rules-based CPQ is error-prone for this.
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  8. Now the agent resubmits.
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  9. The corrected request. It changes the term to 12 months, the opening deposit to $5,000, the owners to 2, the beneficiaries to 4 and the stated annual interest to 22,000 cents. Two more changes are on screen.
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  10. It calls the validator again.
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  11. This time the validator clears it.
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  12. All six earlier findings are cleared.
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  13. Six problems caught in one call, fixed in one pass, and a clean request. That is the value of Predictika's validator: catching mistakes before the action runs. Now you can try the other scenarios yourself.
    14.