Implement banking system features and enhancements

- Added banking mode with checking, savings, and charity accounts, including auto-split options for income. - Introduced banking transaction management, including transfers and charity outflows. - Updated family settings to allow configuration of banking features and interest rates. - Enhanced data export functionality to include bank transactions. - Improved user interface to display banking information and donation goals. - Updated documentation to reflect new banking features and settings.
2026-03-31 11:03:53 -05:00
parent f14de0b7e1
commit 6d10cb4726
21 changed files with 1337 additions and 41 deletions
@@ -0,0 +1,88 @@
+<?php
+
+require_once __DIR__ . '/../includes/api_bootstrap.php';
+require_once __DIR__ . '/../includes/family_settings.php';
+require_once __DIR__ . '/../includes/banking_helpers.php';
+
+if ($_SERVER['REQUEST_METHOD'] !== 'POST') {
+    sendJson(['success' => false, 'error' => 'Method not allowed'], 405);
+}
+
+$people = migrateAllPeople(normalizePeopleList(readJsonFile('people.json')));
+$actor = requireActivePerson($people);
+if (($actor['role'] ?? '') !== ROLE_HEAD || !isHohVerified()) {
+    sendJson(['success' => false, 'error' => 'Only a verified Head of household can adjust checking balances'], 403);
+}
+$settings = loadFamilySettings();
+if (!bankingEnabled($settings)) {
+    sendJson(['success' => false, 'error' => 'Banking mode is not enabled'], 400);
+}
+
+$people = bankingApplySavingsInterestToPeople($people, $settings);
+$body = readJsonBody();
+$personId = trim((string) ($body['person_id'] ?? ''));
+$type = trim((string) ($body['type'] ?? ''));
+$note = trim((string) ($body['note'] ?? ''));
+$category = bankingCategoryOrDefault((string) ($body['category'] ?? ''), 'manual');
+$amountRaw = $body['amount'] ?? null;
+
+if ($personId === '') {
+    sendJson(['success' => false, 'error' => 'person_id is required'], 400);
+}
+if (!in_array($type, ['credit', 'debit'], true)) {
+    sendJson(['success' => false, 'error' => 'type must be credit or debit'], 400);
+}
+if (!is_numeric($amountRaw)) {
+    sendJson(['success' => false, 'error' => 'amount must be numeric'], 400);
+}
+$amount = bankingRoundMoney((float) $amountRaw);
+if ($amount <= 0) {
+    sendJson(['success' => false, 'error' => 'amount must be greater than zero'], 400);
+}
+
+$targetIdx = null;
+foreach ($people as $i => $p) {
+    if (($p['id'] ?? '') === $personId) {
+        $targetIdx = $i;
+        break;
+    }
+}
+if ($targetIdx === null) {
+    sendJson(['success' => false, 'error' => 'Person not found'], 404);
+}
+
+$allocations = ['checking' => 0.0, 'savings' => 0.0, 'charity' => 0.0, 'roundup' => 0.0];
+if ($type === 'credit') {
+    $result = bankingCreditCheckingByRule($people[$targetIdx], $amount, $settings);
+    $people[$targetIdx] = $result['person'];
+    $allocations = $result['allocations'];
+} else {
+    $checking = (float) ($people[$targetIdx]['checking_balance'] ?? 0);
+    if ($checking < $amount) {
+        sendJson(['success' => false, 'error' => 'Insufficient checking balance'], 400);
+    }
+    $people[$targetIdx]['checking_balance'] = bankingRoundMoney($checking - $amount);
+    $people[$targetIdx]['currency_balance'] = $people[$targetIdx]['checking_balance'];
+    $allocations['checking'] = -$amount;
+}
+
+if (!writeJsonFile('people.json', $people)) {
+    sendJson(['success' => false, 'error' => 'Failed to save people'], 500);
+}
+
+$tx = [
+    'id' => bin2hex(random_bytes(8)),
+    'type' => 'manual_' . $type,
+    'person_id' => $personId,
+    'amount' => $amount,
+    'allocations' => $allocations,
+    'category' => $category,
+    'note' => $note,
+    'created_at' => gmdate('c'),
+    'created_by' => (string) ($actor['id'] ?? ''),
+];
+if (!appendBankTransaction($tx)) {
+    sendJson(['success' => false, 'error' => 'Saved balances but failed to write transaction log'], 500);
+}
+
+sendJson(['success' => true, 'transaction' => $tx, 'person' => $people[$targetIdx]]);
@@ -0,0 +1,74 @@
+<?php
+
+require_once __DIR__ . '/../includes/api_bootstrap.php';
+require_once __DIR__ . '/../includes/family_settings.php';
+require_once __DIR__ . '/../includes/banking_helpers.php';
+
+if ($_SERVER['REQUEST_METHOD'] !== 'POST') {
+    sendJson(['success' => false, 'error' => 'Method not allowed'], 405);
+}
+
+$people = migrateAllPeople(normalizePeopleList(readJsonFile('people.json')));
+$actor = requireActivePerson($people);
+if (($actor['role'] ?? '') !== ROLE_HEAD || !isHohVerified()) {
+    sendJson(['success' => false, 'error' => 'Only a verified Head of household can log charity outflow'], 403);
+}
+$settings = loadFamilySettings();
+if (!bankingEnabled($settings)) {
+    sendJson(['success' => false, 'error' => 'Banking mode is not enabled'], 400);
+}
+$people = bankingApplySavingsInterestToPeople($people, $settings);
+$body = readJsonBody();
+$personId = trim((string) ($body['person_id'] ?? ''));
+$note = trim((string) ($body['note'] ?? ''));
+$category = bankingCategoryOrDefault((string) ($body['category'] ?? ''), 'donation');
+$amountRaw = $body['amount'] ?? null;
+
+if ($personId === '') {
+    sendJson(['success' => false, 'error' => 'person_id is required'], 400);
+}
+if (!is_numeric($amountRaw)) {
+    sendJson(['success' => false, 'error' => 'amount must be numeric'], 400);
+}
+$amount = bankingRoundMoney((float) $amountRaw);
+if ($amount <= 0) {
+    sendJson(['success' => false, 'error' => 'amount must be greater than zero'], 400);
+}
+
+$idx = null;
+foreach ($people as $i => $p) {
+    if (($p['id'] ?? '') === $personId) {
+        $idx = $i;
+        break;
+    }
+}
+if ($idx === null) {
+    sendJson(['success' => false, 'error' => 'Person not found'], 404);
+}
+
+$pending = (float) ($people[$idx]['charity_pending_balance'] ?? 0);
+if ($pending < $amount) {
+    sendJson(['success' => false, 'error' => 'Insufficient charity pending balance'], 400);
+}
+$people[$idx]['charity_pending_balance'] = bankingRoundMoney($pending - $amount);
+$people[$idx]['charity_donated_total'] = bankingRoundMoney((float) ($people[$idx]['charity_donated_total'] ?? 0) + $amount);
+
+if (!writeJsonFile('people.json', $people)) {
+    sendJson(['success' => false, 'error' => 'Failed to save people'], 500);
+}
+
+$tx = [
+    'id' => bin2hex(random_bytes(8)),
+    'type' => 'charity_outflow',
+    'person_id' => $personId,
+    'amount' => $amount,
+    'category' => $category,
+    'note' => $note,
+    'created_at' => gmdate('c'),
+    'created_by' => (string) ($actor['id'] ?? ''),
+];
+if (!appendBankTransaction($tx)) {
+    sendJson(['success' => false, 'error' => 'Saved outflow but failed to write transaction log'], 500);
+}
+
+sendJson(['success' => true, 'transaction' => $tx, 'person' => $people[$idx]]);
@@ -0,0 +1,133 @@
+<?php
+
+require_once __DIR__ . '/../includes/api_bootstrap.php';
+require_once __DIR__ . '/../includes/family_settings.php';
+require_once __DIR__ . '/../includes/banking_helpers.php';
+
+if ($_SERVER['REQUEST_METHOD'] !== 'POST') {
+    sendJson(['success' => false, 'error' => 'Method not allowed'], 405);
+}
+
+$people = migrateAllPeople(normalizePeopleList(readJsonFile('people.json')));
+$actor = requireActivePerson($people);
+if (($actor['role'] ?? '') !== ROLE_HEAD || !isHohVerified()) {
+    sendJson(['success' => false, 'error' => 'Only a verified Head of household can reverse transactions'], 403);
+}
+$settings = loadFamilySettings();
+if (!bankingEnabled($settings)) {
+    sendJson(['success' => false, 'error' => 'Banking mode is not enabled'], 400);
+}
+$people = bankingApplySavingsInterestToPeople($people, $settings);
+$body = readJsonBody();
+$transactionId = trim((string) ($body['transaction_id'] ?? ''));
+$note = trim((string) ($body['note'] ?? ''));
+if ($transactionId === '') {
+    sendJson(['success' => false, 'error' => 'transaction_id is required'], 400);
+}
+
+$rows = readJsonFile('bank_transactions.json');
+if (!is_array($rows)) {
+    $rows = [];
+}
+$original = null;
+foreach ($rows as $row) {
+    if (is_array($row) && (($row['id'] ?? '') === $transactionId)) {
+        $original = $row;
+        break;
+    }
+}
+if ($original === null) {
+    sendJson(['success' => false, 'error' => 'Transaction not found'], 404);
+}
+if (!empty($original['reversed_by_transaction_id'])) {
+    sendJson(['success' => false, 'error' => 'Transaction already reversed'], 400);
+}
+if (($original['type'] ?? '') === 'reversal') {
+    sendJson(['success' => false, 'error' => 'Cannot reverse a reversal transaction'], 400);
+}
+
+$personId = (string) ($original['person_id'] ?? '');
+$idx = null;
+foreach ($people as $i => $p) {
+    if (($p['id'] ?? '') === $personId) {
+        $idx = $i;
+        break;
+    }
+}
+if ($idx === null) {
+    sendJson(['success' => false, 'error' => 'Person for original transaction not found'], 404);
+}
+
+$type = (string) ($original['type'] ?? '');
+$amount = bankingRoundMoney((float) ($original['amount'] ?? 0));
+if ($amount <= 0) {
+    sendJson(['success' => false, 'error' => 'Original transaction amount is invalid'], 400);
+}
+
+if ($type === 'manual_credit' || $type === 'income_chore') {
+    $alloc = is_array($original['allocations'] ?? null) ? $original['allocations'] : [];
+    $ck = (float) ($alloc['checking'] ?? 0);
+    $sv = (float) ($alloc['savings'] ?? 0);
+    $ch = (float) ($alloc['charity'] ?? 0);
+    if ((float) $people[$idx]['checking_balance'] < $ck || (float) $people[$idx]['savings_balance'] < $sv || (float) $people[$idx]['charity_pending_balance'] < $ch) {
+        sendJson(['success' => false, 'error' => 'Insufficient balances to reverse this credit'], 400);
+    }
+    $people[$idx]['checking_balance'] = bankingRoundMoney((float) $people[$idx]['checking_balance'] - $ck);
+    $people[$idx]['savings_balance'] = bankingRoundMoney((float) $people[$idx]['savings_balance'] - $sv);
+    $people[$idx]['charity_pending_balance'] = bankingRoundMoney((float) $people[$idx]['charity_pending_balance'] - $ch);
+} elseif ($type === 'manual_debit') {
+    $people[$idx]['checking_balance'] = bankingRoundMoney((float) $people[$idx]['checking_balance'] + $amount);
+} elseif ($type === 'charity_outflow') {
+    if ((float) $people[$idx]['charity_donated_total'] < $amount) {
+        sendJson(['success' => false, 'error' => 'Insufficient donated total to reverse outflow'], 400);
+    }
+    $people[$idx]['charity_donated_total'] = bankingRoundMoney((float) $people[$idx]['charity_donated_total'] - $amount);
+    $people[$idx]['charity_pending_balance'] = bankingRoundMoney((float) $people[$idx]['charity_pending_balance'] + $amount);
+} elseif ($type === 'transfer') {
+    $from = (string) ($original['from_account'] ?? '');
+    $to = (string) ($original['to_account'] ?? '');
+    $fieldMap = ['checking' => 'checking_balance', 'savings' => 'savings_balance', 'charity' => 'charity_pending_balance'];
+    if (!isset($fieldMap[$from], $fieldMap[$to])) {
+        sendJson(['success' => false, 'error' => 'Original transfer accounts are invalid'], 400);
+    }
+    $toField = $fieldMap[$to];
+    $fromField = $fieldMap[$from];
+    if ((float) $people[$idx][$toField] < $amount) {
+        sendJson(['success' => false, 'error' => 'Insufficient balances to reverse this transfer'], 400);
+    }
+    $people[$idx][$toField] = bankingRoundMoney((float) $people[$idx][$toField] - $amount);
+    $people[$idx][$fromField] = bankingRoundMoney((float) $people[$idx][$fromField] + $amount);
+} else {
+    sendJson(['success' => false, 'error' => 'This transaction type cannot be reversed'], 400);
+}
+$people[$idx]['currency_balance'] = (float) ($people[$idx]['checking_balance'] ?? 0);
+
+if (!writeJsonFile('people.json', $people)) {
+    sendJson(['success' => false, 'error' => 'Failed to save people balances'], 500);
+}
+
+$reversalId = bin2hex(random_bytes(8));
+for ($i = 0; $i < count($rows); $i++) {
+    if (($rows[$i]['id'] ?? '') === $transactionId) {
+        $rows[$i]['reversed_by_transaction_id'] = $reversalId;
+        $rows[$i]['reversed_at'] = gmdate('c');
+        $rows[$i]['reversed_by'] = (string) ($actor['id'] ?? '');
+    }
+}
+$reversal = [
+    'id' => $reversalId,
+    'type' => 'reversal',
+    'person_id' => $personId,
+    'amount' => $amount,
+    'category' => 'reversal',
+    'note' => $note,
+    'reversal_of_transaction_id' => $transactionId,
+    'created_at' => gmdate('c'),
+    'created_by' => (string) ($actor['id'] ?? ''),
+];
+$rows[] = $reversal;
+if (!writeJsonFile('bank_transactions.json', $rows)) {
+    sendJson(['success' => false, 'error' => 'Failed to save transaction log'], 500);
+}
+
+sendJson(['success' => true, 'transaction' => $reversal, 'person' => $people[$idx]]);
@@ -0,0 +1,50 @@
+<?php
+
+require_once __DIR__ . '/../includes/api_bootstrap.php';
+require_once __DIR__ . '/../includes/family_settings.php';
+
+if ($_SERVER['REQUEST_METHOD'] !== 'POST') {
+    sendJson(['success' => false, 'error' => 'Method not allowed'], 405);
+}
+
+$people = migrateAllPeople(normalizePeopleList(readJsonFile('people.json')));
+$actor = requireActivePerson($people);
+$settings = loadFamilySettings();
+if (empty($settings['banking_enabled'])) {
+    sendJson(['success' => false, 'error' => 'Banking mode is not enabled'], 400);
+}
+
+$body = readJsonBody();
+$goalRaw = $body['goal_monthly'] ?? null;
+if (!is_numeric($goalRaw)) {
+    sendJson(['success' => false, 'error' => 'goal_monthly must be numeric'], 400);
+}
+$goal = round((float) $goalRaw, 2);
+if ($goal < 0) {
+    sendJson(['success' => false, 'error' => 'goal_monthly must be >= 0'], 400);
+}
+$targetPersonId = trim((string) ($body['person_id'] ?? ''));
+$actorId = (string) ($actor['id'] ?? '');
+$isHoh = (($actor['role'] ?? '') === ROLE_HEAD) && isHohVerified();
+if ($targetPersonId === '') {
+    $targetPersonId = $actorId;
+}
+if (!$isHoh && $targetPersonId !== $actorId) {
+    sendJson(['success' => false, 'error' => 'Only verified Head of household can set goals for others'], 403);
+}
+
+$idx = null;
+foreach ($people as $i => $p) {
+    if (($p['id'] ?? '') === $targetPersonId) {
+        $idx = $i;
+        break;
+    }
+}
+if ($idx === null) {
+    sendJson(['success' => false, 'error' => 'Person not found'], 404);
+}
+$people[$idx]['donation_goal_monthly'] = $goal;
+if (!writeJsonFile('people.json', $people)) {
+    sendJson(['success' => false, 'error' => 'Failed to save goal'], 500);
+}
+sendJson(['success' => true, 'person' => $people[$idx]]);
@@ -0,0 +1,107 @@
+<?php
+
+require_once __DIR__ . '/../includes/api_bootstrap.php';
+require_once __DIR__ . '/../includes/family_settings.php';
+require_once __DIR__ . '/../includes/banking_helpers.php';
+
+if ($_SERVER['REQUEST_METHOD'] !== 'GET') {
+    sendJson(['success' => false, 'error' => 'Method not allowed'], 405);
+}
+
+$people = migrateAllPeople(normalizePeopleList(readJsonFile('people.json')));
+$actor = requireActivePerson($people);
+$settings = loadFamilySettings();
+if (!bankingEnabled($settings)) {
+    sendJson(['success' => false, 'error' => 'Banking mode is not enabled'], 400);
+}
+
+$month = trim((string) ($_GET['month'] ?? gmdate('Y-m')));
+if (!preg_match('/^\d{4}-\d{2}$/', $month)) {
+    sendJson(['success' => false, 'error' => 'month must be YYYY-MM'], 400);
+}
+$format = trim((string) ($_GET['format'] ?? 'json'));
+if (!in_array($format, ['json', 'csv'], true)) {
+    sendJson(['success' => false, 'error' => 'format must be json or csv'], 400);
+}
+
+$personId = trim((string) ($_GET['person_id'] ?? ''));
+if ($personId === '') {
+    $personId = (string) ($actor['id'] ?? '');
+}
+$isHoh = (($actor['role'] ?? '') === ROLE_HEAD) && isHohVerified();
+if (!$isHoh && $personId !== (string) ($actor['id'] ?? '')) {
+    sendJson(['success' => false, 'error' => 'Only verified Head of household can view statements for others'], 403);
+}
+
+$person = null;
+foreach ($people as $p) {
+    if (($p['id'] ?? '') === $personId) {
+        $person = $p;
+        break;
+    }
+}
+if ($person === null) {
+    sendJson(['success' => false, 'error' => 'Person not found'], 404);
+}
+
+$rows = readJsonFile('bank_transactions.json');
+if (!is_array($rows)) {
+    $rows = [];
+}
+$prefix = $month . '-';
+$filtered = [];
+foreach ($rows as $row) {
+    if (!is_array($row)) {
+        continue;
+    }
+    if ((string) ($row['person_id'] ?? '') !== $personId) {
+        continue;
+    }
+    $createdAt = (string) ($row['created_at'] ?? '');
+    $ymd = bankingYmd($createdAt);
+    if (strpos($ymd, $prefix) !== 0) {
+        continue;
+    }
+    $filtered[] = $row;
+}
+
+if ($format === 'csv') {
+    header('Content-Type: text/csv; charset=utf-8');
+    header('Content-Disposition: attachment; filename="bank_statement_' . $personId . '_' . $month . '.csv"');
+    $out = fopen('php://output', 'w');
+    if ($out === false) {
+        exit;
+    }
+    fputcsv($out, ['id', 'created_at', 'type', 'amount', 'category', 'note', 'from_account', 'to_account', 'reversal_of_transaction_id']);
+    foreach ($filtered as $row) {
+        fputcsv($out, [
+            (string) ($row['id'] ?? ''),
+            (string) ($row['created_at'] ?? ''),
+            (string) ($row['type'] ?? ''),
+            (string) ($row['amount'] ?? ''),
+            (string) ($row['category'] ?? ''),
+            (string) ($row['note'] ?? ''),
+            (string) ($row['from_account'] ?? ''),
+            (string) ($row['to_account'] ?? ''),
+            (string) ($row['reversal_of_transaction_id'] ?? ''),
+        ]);
+    }
+    fclose($out);
+    exit;
+}
+
+sendJson([
+    'success' => true,
+    'month' => $month,
+    'person' => [
+        'id' => (string) ($person['id'] ?? ''),
+        'name' => (string) ($person['name'] ?? ''),
+    ],
+    'balances' => [
+        'checking' => (float) ($person['checking_balance'] ?? 0),
+        'savings' => (float) ($person['savings_balance'] ?? 0),
+        'charity_pending' => (float) ($person['charity_pending_balance'] ?? 0),
+        'charity_donated_total' => (float) ($person['charity_donated_total'] ?? 0),
+    ],
+    'transactions' => $filtered,
+]);
@@ -0,0 +1,87 @@
+<?php
+
+require_once __DIR__ . '/../includes/api_bootstrap.php';
+require_once __DIR__ . '/../includes/family_settings.php';
+require_once __DIR__ . '/../includes/banking_helpers.php';
+
+if ($_SERVER['REQUEST_METHOD'] !== 'POST') {
+    sendJson(['success' => false, 'error' => 'Method not allowed'], 405);
+}
+
+$people = migrateAllPeople(normalizePeopleList(readJsonFile('people.json')));
+$actor = requireActivePerson($people);
+$settings = loadFamilySettings();
+if (!bankingEnabled($settings)) {
+    sendJson(['success' => false, 'error' => 'Banking mode is not enabled'], 400);
+}
+$people = bankingApplySavingsInterestToPeople($people, $settings);
+$body = readJsonBody();
+$from = trim((string) ($body['from_account'] ?? ''));
+$to = trim((string) ($body['to_account'] ?? ''));
+$note = trim((string) ($body['note'] ?? ''));
+$category = bankingCategoryOrDefault((string) ($body['category'] ?? ''), 'transfer');
+$amountRaw = $body['amount'] ?? null;
+
+if (!is_numeric($amountRaw)) {
+    sendJson(['success' => false, 'error' => 'amount must be numeric'], 400);
+}
+$amount = bankingRoundMoney((float) $amountRaw);
+if ($amount <= 0) {
+    sendJson(['success' => false, 'error' => 'amount must be greater than zero'], 400);
+}
+$allowedAccounts = ['checking', 'savings', 'charity'];
+if (!in_array($from, $allowedAccounts, true) || !in_array($to, $allowedAccounts, true) || $from === $to) {
+    sendJson(['success' => false, 'error' => 'Invalid transfer accounts'], 400);
+}
+if ($from === 'charity') {
+    sendJson(['success' => false, 'error' => 'Funds in charity cannot be transferred out'], 400);
+}
+
+$actorId = (string) ($actor['id'] ?? '');
+$idx = null;
+foreach ($people as $i => $p) {
+    if (($p['id'] ?? '') === $actorId) {
+        $idx = $i;
+        break;
+    }
+}
+if ($idx === null) {
+    sendJson(['success' => false, 'error' => 'Active person not found'], 404);
+}
+
+$fieldMap = [
+    'checking' => 'checking_balance',
+    'savings' => 'savings_balance',
+    'charity' => 'charity_pending_balance',
+];
+$fromField = $fieldMap[$from];
+$toField = $fieldMap[$to];
+$fromBalance = (float) ($people[$idx][$fromField] ?? 0);
+if ($fromBalance < $amount) {
+    sendJson(['success' => false, 'error' => 'Insufficient source balance'], 400);
+}
+$people[$idx][$fromField] = bankingRoundMoney($fromBalance - $amount);
+$people[$idx][$toField] = bankingRoundMoney((float) ($people[$idx][$toField] ?? 0) + $amount);
+$people[$idx]['currency_balance'] = (float) ($people[$idx]['checking_balance'] ?? 0);
+
+if (!writeJsonFile('people.json', $people)) {
+    sendJson(['success' => false, 'error' => 'Failed to save people'], 500);
+}
+
+$tx = [
+    'id' => bin2hex(random_bytes(8)),
+    'type' => 'transfer',
+    'person_id' => $actorId,
+    'amount' => $amount,
+    'from_account' => $from,
+    'to_account' => $to,
+    'category' => $category,
+    'note' => $note,
+    'created_at' => gmdate('c'),
+    'created_by' => $actorId,
+];
+if (!appendBankTransaction($tx)) {
+    sendJson(['success' => false, 'error' => 'Saved transfer but failed to write transaction log'], 500);
+}
+
+sendJson(['success' => true, 'transaction' => $tx, 'person' => $people[$idx]]);
@@ -2,12 +2,16 @@

 require_once __DIR__ . '/../includes/api_bootstrap.php';
 require_once __DIR__ . '/../includes/chore_helpers.php';
+require_once __DIR__ . '/../includes/family_settings.php';
+require_once __DIR__ . '/../includes/banking_helpers.php';

 if ($_SERVER['REQUEST_METHOD'] !== 'POST') {
    sendJson(['success' => false, 'error' => 'Method not allowed'], 405);
 }

 $people = migrateAllPeople(normalizePeopleList(readJsonFile('people.json')));
+$familySettings = loadFamilySettings();
+$people = bankingApplySavingsInterestToPeople($people, $familySettings);
 $actor = requireActivePerson($people);
 if (($actor['role'] ?? '') !== ROLE_HEAD || !isHohVerified()) {
    sendJson(['success' => false, 'error' => 'Only a verified Head of household can review chores'], 403);
@@ -86,8 +90,25 @@ foreach ($people as $pi => $p) {
        $n = count($assignees);
        $creditedEach = $n > 0 ? round($value / $n, 2) : 0.0;
    }
-    $bal = $p['currency_balance'] ?? 0;
-    $people[$pi]['currency_balance'] = (is_numeric($bal) ? (float) $bal : 0.0) + $creditedEach;
+    if (bankingEnabled($familySettings)) {
+        $result = bankingCreditCheckingByRule($people[$pi], $creditedEach, $familySettings);
+        $people[$pi] = $result['person'];
+        appendBankTransaction([
+            'id' => bin2hex(random_bytes(8)),
+            'type' => 'income_chore',
+            'person_id' => $pid,
+            'amount' => bankingRoundMoney($creditedEach),
+            'allocations' => $result['allocations'],
+            'category' => 'chore',
+            'note' => (string) ($row['title'] ?? ''),
+            'created_at' => gmdate('c'),
+            'created_by' => (string) ($actor['id'] ?? ''),
+        ]);
+    } else {
+        $bal = $p['currency_balance'] ?? 0;
+        $people[$pi]['currency_balance'] = (is_numeric($bal) ? (float) $bal : 0.0) + $creditedEach;
+        $people[$pi]['checking_balance'] = $people[$pi]['currency_balance'];
+    }
    $creditedRecipients++;
 }

@@ -19,6 +19,7 @@ $allowed = [
    'meal_plans' => 'meal_plans.json',
    'family_settings' => 'family_settings.json',
    'expenses' => 'expenses.json',
+    'bank_transactions' => 'bank_transactions.json',
 ];

 $type = isset($_GET['type']) ? trim((string) $_GET['type']) : '';
@@ -30,6 +30,49 @@ if (isset($body['currency_permanence'])) {
    }
    $merged['currency_permanence'] = $p;
 }
+if (array_key_exists('banking_enabled', $body)) {
+    $merged['banking_enabled'] = !empty($body['banking_enabled']);
+}
+if (array_key_exists('banking_auto_split_enabled', $body)) {
+    $merged['banking_auto_split_enabled'] = !empty($body['banking_auto_split_enabled']);
+}
+if (array_key_exists('banking_auto_split_savings_pct', $body)) {
+    if (!is_numeric($body['banking_auto_split_savings_pct'])) {
+        sendJson(['success' => false, 'error' => 'banking_auto_split_savings_pct must be numeric'], 400);
+    }
+    $pct = round((float) $body['banking_auto_split_savings_pct'], 2);
+    if ($pct < 0 || $pct > 100) {
+        sendJson(['success' => false, 'error' => 'banking_auto_split_savings_pct must be 0-100'], 400);
+    }
+    $merged['banking_auto_split_savings_pct'] = $pct;
+}
+if (array_key_exists('banking_auto_split_charity_pct', $body)) {
+    if (!is_numeric($body['banking_auto_split_charity_pct'])) {
+        sendJson(['success' => false, 'error' => 'banking_auto_split_charity_pct must be numeric'], 400);
+    }
+    $pct = round((float) $body['banking_auto_split_charity_pct'], 2);
+    if ($pct < 0 || $pct > 100) {
+        sendJson(['success' => false, 'error' => 'banking_auto_split_charity_pct must be 0-100'], 400);
+    }
+    $merged['banking_auto_split_charity_pct'] = $pct;
+}
+if (array_key_exists('banking_savings_monthly_interest_rate', $body)) {
+    if (!is_numeric($body['banking_savings_monthly_interest_rate'])) {
+        sendJson(['success' => false, 'error' => 'banking_savings_monthly_interest_rate must be numeric'], 400);
+    }
+    $rate = round((float) $body['banking_savings_monthly_interest_rate'], 6);
+    if ($rate < 0) {
+        sendJson(['success' => false, 'error' => 'banking_savings_monthly_interest_rate must be >= 0'], 400);
+    }
+    $merged['banking_savings_monthly_interest_rate'] = $rate;
+}
+if (array_key_exists('banking_roundup_destination', $body)) {
+    $dest = trim((string) $body['banking_roundup_destination']);
+    if (!in_array($dest, ['off', 'savings', 'charity'], true)) {
+        sendJson(['success' => false, 'error' => 'banking_roundup_destination must be off, savings, or charity'], 400);
+    }
+    $merged['banking_roundup_destination'] = $dest;
+}
 if (isset($body['timezone'])) {
    $tz = trim((string) $body['timezone']);
    if (!in_array($tz, familyHubUsTimezoneIdentifiers(), true)) {
@@ -67,6 +110,11 @@ if (array_key_exists('nfc_scan_cooldown_seconds', $body)) {
    }
    $merged['nfc_scan_cooldown_seconds'] = $cooldown;
 }
+if (
+    ((float) ($merged['banking_auto_split_savings_pct'] ?? 0) + (float) ($merged['banking_auto_split_charity_pct'] ?? 0)) > 100
+) {
+    sendJson(['success' => false, 'error' => 'banking auto split percentages cannot exceed 100 total'], 400);
+}

 $merged = normalizeLoadedFamilySettings($merged);

@@ -58,6 +58,12 @@ $newPerson = [
    'birthday' => $birthday,
    'favoriteColor' => $favoriteColor,
    'currency_balance' => 0,
+    'checking_balance' => 0,
+    'savings_balance' => 0,
+    'charity_pending_balance' => 0,
+    'charity_donated_total' => 0,
+    'donation_goal_monthly' => 0,
+    'banking_interest_last_applied_at' => '',
    'nfc_submit_token_hash' => '',
    'nfc_submit_token_updated_at' => '',
    'created_at' => gmdate('c'),
@@ -46,6 +46,12 @@ $newPerson = [
    'birthday' => $birthday,
    'favoriteColor' => $favoriteColor,
    'currency_balance' => 0,
+    'checking_balance' => 0,
+    'savings_balance' => 0,
+    'charity_pending_balance' => 0,
+    'charity_donated_total' => 0,
+    'donation_goal_monthly' => 0,
+    'banking_interest_last_applied_at' => '',
    'nfc_submit_token_hash' => '',
    'nfc_submit_token_updated_at' => '',
    'created_at' => gmdate('c'),