Predictika · Treasury services quotes

An AI sales agent's treasury services fee quote, checked before it goes out

An AI sales agent prepares a monthly fee quote for a corporate client that wants deposit accounts and treasury services from MUFG Bank in the United States: the account type and balance, ACH, wires, wholesale lockbox and liquidity services. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the published fee schedule and returns a verdict, every reason, a line-item quote and the figures it computed.

Scope: Monthly fee quotes from MUFG Bank's published US Deposit Accounts & Services Fee Schedule: account maintenance, ACH, money transfer, wholesale lockbox and liquidity services, with by-arrangement items sent to a person. See everything this validator covers

This validator models monthly fee quotes built on the US Deposit Accounts & Services Fee Schedule that MUFG Bank publishes (the version effective January 1, 2022, read October 5, 2026), not just the scenarios shown below.

  • Account maintenance — Corporate Checking, Corporate Interest Checking, Money Market Deposit and Cash Notice Deposit accounts pay a $200 monthly fee when the average monthly balance is below $100,000; a Foreign Currency Account pays $100 a month. Cash Notice Deposit is listed for New York only.
  • Payment and collection fees — ACH ($75 per ACH company per channel a month, $0.20 per standard and $0.75 per same-day transaction, returns $15 and unauthorized returns $10), money transfer ($60 per online banking profile a month; domestic wire $20, international $25 in USD and $35 in other currencies, incoming $15) and wholesale lockbox ($125 per lockbox a month, $0.60 per check item), each added into a line-item quote.
  • Liquidity services and approvals — cash pooling ($250 per structure), ZBA ($50 per structure), cash positioning ($300 a month) and cross-border sweeps ($200 per overseas pair, $850 per global pair). Fees the schedule prices by arrangement (wires by fax or email, lockbox customization, cross-border sweep setup) and volume discounts, which are not published, go to a person.

Any quote that touches these rules is in scope — not only the scenarios pictured here. Not covered: the many other items in the schedule (for example online banking and e-gateway fees, integrated payables, controlled disbursement, lockbox imaging and remote capture, stop payments and statements), lockbox data entry charges, items billed at cost, taxes, and any fee changes after the January 1, 2022 schedule. Assumptions: balances are the average monthly balance per account, and the total is an estimate of monthly fees at the published amounts.

The AI sales agentBuilds the treasury services fee quote from the conversation and says it is ready.
Predictika validatorChecks every rule at once and returns the verdict, each finding, and the computed figures.

7 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
A fee that applies only below a minimum balanceOnly with care
The fee turns on a balance threshold and is different for one account type, so a price rule per account type is needed and has to be kept in step with the schedule.		The maintenance fee is computed from the account type and balance, and compared with the fee the agent stated.
An account type offered in one state onlyOnly with workarounds
Availability by state is usually a separate flag and rule, so a rep can pick Cash Notice Deposit for a client outside New York without anything stopping the quote.		Choosing a Cash Notice Deposit account outside New York is a blocking finding.
Many per-unit fees adding up to a stated totalOnly with care
Each service has its own unit and rate, so price rules multiply quantities by rates, and a total typed by a rep has to be checked against them separately.		Every line is computed, summed and compared with the stated monthly total in the same pass.
Items priced by arrangementOnly with care
Items with no published fee need a manual route, which is often a note or a custom flag a rep can forget to raise.		Fax or email wires, lockbox customization and cross-border sweep setup each send the quote to a person.
Every problem returned in one answerOnly with workarounds
Rules tend to fire as the quote is saved or 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 quote; approval findings need a person to sign off; everything else is computed.

    
1The quote includes wires sent by fax or email, which the schedule prices by arrangement; a person should confirm the fee.
2The quote includes lockbox customization, which the schedule prices by arrangement; a person should confirm the fee.
3The quote includes cross-border sweep pooling pairs, whose setup fee the schedule prices by arrangement; a person should confirm it.
4The quote asks for a volume-based discount; the schedule says volume-based discounts are available on marked items but does not publish them, so a person should confirm it.
5The quote opens a Cash Notice Deposit account outside New York; the published fee schedule lists it for New York only.
6The quote has 0 accounts; at least 1 account is needed.
7The quote states account maintenance of $200.00 a month; the published schedule gives $400.00.
8The quote states account maintenance of $0.01 a month; the published schedule gives $0.00.
9The quote states a monthly total of $9,289.99; the published fees give $9,290.00.
10The quote states a monthly total of $9,291.00; the published fees give $9,290.00.
11The quote states a monthly total of $1.00; the published fees give $9,290.00.

  

  

    
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. Cash Notice Deposit outside New York: Cash Notice Deposit account outside New York, with a stated total that leaves out the lockbox

    
The agent's request. Please quote monthly fees for 1 Cash Notice Deposit account with an average monthly balance of $80,000 outside New York, with ACH on 1 company channel with 6,000 standard, 300 same-day, 25 returned and 0 unauthorized-return transactions; money transfer on 1 online banking profile with 60 domestic, 15 international USD, 0 international non-USD and 0 incoming wires; 1 wholesale lockbox handling 8,000 check items. The quote states account maintenance of $200.00 a month and a monthly total of $3,710.00. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Cash Notice Deposit outside New York. The quote opens a Cash Notice Deposit account outside New York; the published fee schedule lists it for New York only.
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  • Stated monthly total does not match. The quote states a monthly total of $3,710.00; the published fees give $8,635.00.
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2. Cash Notice Deposit outside New York: The agent resubmits after fixing the errors

    
The agent's request. Please quote monthly fees for 1 Money Market Deposit account with an average monthly balance of $80,000 in New York, with ACH on 1 company channel with 6,000 standard, 300 same-day, 25 returned and 0 unauthorized-return transactions; money transfer on 1 online banking profile with 60 domestic, 15 international USD, 0 international non-USD and 0 incoming wires; 1 wholesale lockbox handling 8,000 check items. The quote states account maintenance of $200.00 a month and a monthly total of $8,635.00. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Fee summary. Monthly fees at the published schedule: account maintenance $200.00, ACH $1,875.00, money transfer $1,635.00, lockbox $4,925.00, liquidity services $0.00, total $8,635.00.
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3. Cross-border sweeps and a fax wire: Three checking accounts with cross-border sweeps, wires sent by fax and a wrong maintenance fee

    
The agent's request. Please quote monthly fees for 3 Corporate Checking accounts with an average monthly balance of $60,000 in New York, with money transfer on 2 online banking profiles with 80 domestic, 40 international USD, 25 international non-USD and 50 incoming wires; liquidity services: 1 cash pooling structure, 2 ZBA structures, 2 global cross-border sweep pairs. The client also wants wires sent by fax or email. The quote states account maintenance of $0.00 a month and a monthly total of $6,995.00. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Stated maintenance fee does not match. The quote states account maintenance of $0.00 a month; the published schedule gives $600.00.
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  • Wire by fax or email. The quote includes wires sent by fax or email, which the schedule prices by arrangement; a person should confirm the fee.
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  • Cross-border sweep setup. The quote includes cross-border sweep pooling pairs, whose setup fee the schedule prices by arrangement; a person should confirm it.
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4. Cross-border sweeps and a fax wire: The agent resubmits after fixing the errors

    
The agent's request. Please quote monthly fees for 3 Corporate Checking accounts with an average monthly balance of $60,000 in New York, with money transfer on 2 online banking profiles with 80 domestic, 40 international USD, 25 international non-USD and 50 incoming wires; liquidity services: 1 cash pooling structure, 2 ZBA structures. The quote states account maintenance of $600.00 a month and a monthly total of $5,295.00. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Fee summary. Monthly fees at the published schedule: account maintenance $600.00, ACH $0.00, money transfer $4,345.00, lockbox $0.00, liquidity services $350.00, total $5,295.00.
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5. Lockbox customization and volume discount: Lockbox customization and a volume discount, with a stated total that leaves out the ACH returns

    
The agent's request. Please quote monthly fees for 2 Money Market Deposit accounts with an average monthly balance of $200,000 in New York, with ACH on 2 company channels with 20,000 standard, 1,000 same-day, 80 returned and 5 unauthorized-return transactions; 2 wholesale lockboxes handling 25,000 check items. The client also wants lockbox customization. The client asks for a volume-based discount. The quote states account maintenance of $0.00 a month and a monthly total of $20,150.00. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Stated monthly total does not match. The quote states a monthly total of $20,150.00; the published fees give $21,400.00.
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  • Lockbox customization. The quote includes lockbox customization, which the schedule prices by arrangement; a person should confirm the fee.
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  • Volume discount requested. The quote asks for a volume-based discount; the schedule says volume-based discounts are available on marked items but does not publish them, so a person should confirm it.
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6. Lockbox customization and volume discount: The agent resubmits after fixing the errors

    
The agent's request. Please quote monthly fees for 2 Money Market Deposit accounts with an average monthly balance of $200,000 in New York, with ACH on 2 company channels with 20,000 standard, 1,000 same-day, 80 returned and 5 unauthorized-return transactions; 2 wholesale lockboxes handling 25,000 check items. The client also wants lockbox customization. The client asks for a volume-based discount. The quote states account maintenance of $0.00 a month and a monthly total of $21,400.00. It is ready to send.

    
Verdict: Needs approval.

    
    
      
  • Lockbox customization. The quote includes lockbox customization, which the schedule prices by arrangement; a person should confirm the fee.
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  • Volume discount requested. The quote asks for a volume-based discount; the schedule says volume-based discounts are available on marked items but does not publish them, so a person should confirm it.
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  • Fee summary. Monthly fees at the published schedule: account maintenance $0.00, ACH $6,150.00, money transfer $0.00, lockbox $15,250.00, liquidity services $0.00, total $21,400.00.
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7. Lockbox customization and volume discount: The agent resubmits after fixing the errors

    
The agent's request. Please quote monthly fees for 2 Money Market Deposit accounts with an average monthly balance of $200,000 in New York, with ACH on 2 company channels with 20,000 standard, 1,000 same-day, 80 returned and 5 unauthorized-return transactions; 2 wholesale lockboxes handling 25,000 check items. The quote states account maintenance of $0.00 a month and a monthly total of $21,400.00. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Fee summary. Monthly fees at the published schedule: account maintenance $0.00, ACH $6,150.00, money transfer $0.00, lockbox $15,250.00, liquidity services $0.00, total $21,400.00.
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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 sales agent prepares a monthly fee quote for a corporate client that wants deposit accounts and treasury services from MUFG Bank in the United States: the account type and balance, ACH, wires, and more. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the published fee schedule and returns a verdict, every reason, a line-item quote and the figures it computed.
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  2. I will start with the first request by the agent.
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  3. The agent says. Please quote monthly fees for 1 Cash Notice Deposit account. The quote states account maintenance of $200.00 a month and a monthly total of $3,710.00. The rest of the request is on screen.
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  4. Before it goes out, the agent calls the validator.
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  5. Blocked, with two findings, all in one answer. The quote opens a Cash Notice Deposit account outside New York; the published fee schedule lists it for New York only. The quote states a monthly total of $3,710.00; the published fees give $8,635.00.
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  6. The validator returned two 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 quote are checked against each other and against the stated total.
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  7. What this shows: for many per-unit fees adding up to a stated total, 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 account type to Money Market Deposit, the account opened in New York to yes and the stated monthly total to $8,635.00.
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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. The validator also returns the line-item quote. It starts with Money Market Deposit account below-minimum fee (balance under $100,000) and ACH monthly maintenance; the other eight lines are on screen.
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  13. Both earlier findings are cleared, and the validator's total, $8,635.00, matches the quote.
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  14. Two problems caught in one call, fixed in one pass, and a clean $8,635.00 quote. That is the value of Predictika's validator: catching mistakes before they reach the customer.
    15.