Predictika · Banking quotes

An AI sales agent's chequing account fee quote, checked before it goes out

An AI sales agent prepares a monthly fee quote for a personal chequing account: which account, the customer's age, the minimum daily balance, the number of transactions and any no-fee eligibility. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the published account fees and conditions and returns a verdict, every reason, a line-item quote and the figures it computed.

Scope: monthly fee quotes for TD's personal Canadian-dollar chequing accounts: monthly fees, balance waivers, senior fees, transaction allowances and no-fee eligibility. See everything this validator covers

This validator models monthly fee quotes for five TD personal chequing accounts built on the fees and conditions TD publishes on its product pages, not just the scenarios shown below.

  • Monthly fee and waiver — the monthly fee of the All-Inclusive Banking Plan, Unlimited Chequing, Every Day Chequing and Minimum Chequing accounts, the lower senior fee for customers aged 60 or older, and the fee waiver when the account holds the published minimum balance at the end of each day of the month.
  • Transactions — the monthly transaction allowance of Every Day Chequing (25) and Minimum Chequing (12), with the additional transaction fee, and the full-service transactions included with Minimum Chequing.
  • Eligibility — no monthly fee on Minimum Chequing for Guaranteed Income Supplement recipients, Registered Disability Savings Plan beneficiaries, Indigenous Peoples from Canada and newcomers in their first year, each needing proof; and the Student Chequing Account, free until age 23 or beyond that with proof of full-time post-secondary enrolment. The total the agent states is compared with the computed total.

Any monthly fee quote for these accounts is in scope — not only the scenarios pictured here. Not covered: overdraft protection, Interac e-Transfer and other service fees, US dollar accounts, other TD accounts and bundles, credit card rebates, province-specific age-of-majority rules, and any offer, discount or fee change after the date the pages were read. Assumptions: the senior fee is applied from age 60; the minimum-balance waiver is applied to the senior fee as well; public transit transactions are not counted; the number of full-service transactions beyond 2 on Minimum Chequing goes to approval because the page does not say how they are charged.

The AI sales agentBuilds the monthly fee quote from the conversation and says it is ready.
Predictika validatorChecks every rule at once and returns the verdict, each finding, the line-item quote 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
Stated monthly totals that must equal what the published fees giveOnly with care
A stated figure is a free-entry field; a rule can compare it with a computed total, but the total depends on the plan, age, balance waiver and transactions that have to be kept in step with the fee pages.		The stated total travels with the quote and is compared with the computed total on every call.
A fee that is waived by a balance condition and lowered by ageOnly with care
A price rule per account for the senior fee and another for the waiver. It works, but each fee change touches several rules.		The base fee, the senior rate and the waiver are computed together from one request.
A no-fee claim that needs proof of eligibilityOnly with workarounds
The claim, the account and the proof are on different fields, so a cross-field validation rule is needed, and it tends to fire only when a step is saved.		The category, the proof and the account are in one request and checked with the rest.
Student eligibility that depends on age or proof of enrolmentOnly with care
An age rule with an exception for proof; easy to build, but easy to leave out of a quote that is being edited.		Age, plan and proof are checked together on every call.
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 Minimum Chequing Account has no monthly fee for Guaranteed Income Supplement recipients, Registered Disability Savings Plan beneficiaries, Indigenous Peoples from Canada and newcomers in their first year, and proof of eligibility is required; none is given.
2The Minimum Chequing Account includes up to 2 full-service transactions a month; the public page does not say how more are charged, so a person should confirm it.
3The quote states a monthly total of $1.00; the published fees give $3.95.
4The Student Chequing Account has no monthly fee until age 23, or after that with proof of full-time post-secondary enrolment; the customer is 24 with no proof of enrolment.
5The quote counts 6 full-service transactions but only 5 transactions in all; full-service transactions are part of the total.

  

  

    
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. Full-service transactions on Minimum Chequing: No-fee Minimum account claim with no proof on file, four full-service transactions and a wrong total

    
The agent's request. Please quote the monthly fee for a TD Minimum Chequing Account for a customer aged 68 who is a Guaranteed Income Supplement recipient, keeping a minimum daily balance of $300 and making 15 transactions a month, of which 4 are full-service (in a branch or on EasyLine). The quote states a monthly total of $0.00. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • No-fee claim needs proof of eligibility. The Minimum Chequing Account has no monthly fee for Guaranteed Income Supplement recipients, Registered Disability Savings Plan beneficiaries, Indigenous Peoples from Canada and newcomers in their first year, and proof of eligibility is required; none is given.
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  • Stated total does not match. The quote states a monthly total of $0.00; the published fees give $7.70.
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  • Full-service transactions to confirm. The Minimum Chequing Account includes up to 2 full-service transactions a month; the public page does not say how more are charged, so a person should confirm it.
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2. Full-service transactions on Minimum Chequing: The agent resubmits after fixing the errors

    
The agent's request. Please quote the monthly fee for a TD Minimum Chequing Account for a customer aged 68 who is a Guaranteed Income Supplement recipient, with proof of eligibility on file, keeping a minimum daily balance of $300 and making 15 transactions a month, of which 4 are full-service (in a branch or on EasyLine). The quote states a monthly total of $3.75. It is ready to send.

    
Verdict: Needs approval.

    
    
      
  • Full-service transactions to confirm. The Minimum Chequing Account includes up to 2 full-service transactions a month; the public page does not say how more are charged, so a person should confirm it.
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  • Fee summary. 3 transactions over the monthly allowance, estimated monthly total of $3.75 at published fees.
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3. Full-service transactions on Minimum Chequing: The agent resubmits after fixing the errors

    
The agent's request. Please quote the monthly fee for a TD Minimum Chequing Account for a customer aged 68 who is a Guaranteed Income Supplement recipient, with proof of eligibility on file, keeping a minimum daily balance of $300 and making 15 transactions a month, of which 2 are full-service (in a branch or on EasyLine). The quote states a monthly total of $3.75. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Fee summary. 3 transactions over the monthly allowance, estimated monthly total of $3.75 at published fees.
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4. Minimum Chequing no-fee claim: Newcomer no-fee claim with no proof of eligibility

    
The agent's request. Please quote the monthly fee for a TD Minimum Chequing Account for a customer aged 29 who is a newcomer in their first year in Canada, keeping a minimum daily balance of $500 and making 18 transactions a month. The quote states a monthly total of $11.45. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • No-fee claim needs proof of eligibility. The Minimum Chequing Account has no monthly fee for Guaranteed Income Supplement recipients, Registered Disability Savings Plan beneficiaries, Indigenous Peoples from Canada and newcomers in their first year, and proof of eligibility is required; none is given.
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5. Minimum Chequing no-fee claim: The agent resubmits after fixing the errors

    
The agent's request. Please quote the monthly fee for a TD Minimum Chequing Account for a customer aged 29 who is a newcomer in their first year in Canada, with proof of eligibility on file, keeping a minimum daily balance of $500 and making 18 transactions a month. The quote states a monthly total of $7.50. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Fee summary. 6 transactions over the monthly allowance, estimated monthly total of $7.50 at published fees.
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6. Every Day Chequing for a senior: Senior Every Day quote with a total that leaves out the extra transactions

    
The agent's request. Please quote the monthly fee for a TD Every Day Chequing Account for a customer aged 64, keeping a minimum daily balance of $2,800 and making 31 transactions a month. The quote states a monthly total of $8.20. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Stated total does not match. The quote states a monthly total of $8.20; the published fees give $15.70.
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7. Every Day Chequing for a senior: The agent resubmits after fixing the errors

    
The agent's request. Please quote the monthly fee for a TD Every Day Chequing Account for a customer aged 64, keeping a minimum daily balance of $2,800 and making 31 transactions a month. The quote states a monthly total of $15.70. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Fee summary. 6 transactions over the monthly allowance, estimated monthly total of $15.70 at published fees.
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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 personal chequing account: which account, the customer's age, the minimum daily balance, and more. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the published account fees and conditions and returns a verdict, every reason, a line-item quote and the figures it computed.
    2. 
      
  2. I will start with the first request by the agent.
    3. 
      
  3. The agent says. Please quote the monthly fee for a TD Minimum Chequing Account for a customer aged 68 who is a Guaranteed Income Supplement recipient. The quote states a monthly total of $0.00. The rest of the request is on screen.
    4. 
      
  4. Before it goes out, the agent calls the validator.
    5. 
      
  5. Blocked, with two findings and one approval, all in one answer. The Minimum Chequing Account has no monthly fee for Guaranteed Income Supplement recipients, Registered Disability Savings Plan beneficiaries, Indigenous Peoples from Canada and newcomers in their first year, and proof of eligibility is required; none is given. The quote states a monthly total of $0.00; the published fees give $7.70.
    6. 
      
  6. The validator returned two blocking findings and one approval 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.
    7. 
      
  7. What this shows: for a no-fee claim that needs proof of eligibility, a rules-based CPQ can do this only with workarounds.
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  8. Now the agent resubmits.
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  9. The corrected request. It changes the proof of eligibility to yes and the stated monthly total to $3.75.
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  10. It calls the validator again.
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  11. Not blocked, but held for a person.
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  12. The validator also returns the line-item quote, on screen.
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  13. The two blocking findings are cleared; one approval remains for a person: full-service transactions to confirm.
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  14. The agent resubmits once more.
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  15. The revised request. It changes the full-service transactions to 2.
    16. 
      
  16. It calls the validator once more.
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  17. This time the validator clears it.
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  18. The validator also returns the line-item quote, on screen.
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  19. The earlier finding is cleared, and the validator's total, $3.75, matches the quote.
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  20. Three problems caught in one call, fixed in two passes, and a clean $3.75 quote. That is the value of Predictika's validator: catching mistakes before they reach the customer.
    21.