> ## Documentation Index
> Fetch the complete documentation index at: https://docs.lead.bank/llms.txt
> Use this file to discover all available pages before exploring further.

# Account Files: Reporting Accounts via SFTP

> Overview of account files.

<Warning>
  **Legacy schema — superseded by the Accounts API.** New programs integrate via the [Accounts API](/products/accounts/overview). This schema remains the supported path for file-integrated programs that have not yet migrated.
</Warning>

<Check>
  **An account must be created for all approved applications.**

  Deposit details are only relevant for deposit products and credit details are only relevant for credit products
</Check>

Accounts files are used for daily updates on accounts. Accounts contain non-balance information for Depository and Credit programs. Lead considers Accounts a container around Balances, Transactions, Cards, and Collateral.

If your program exclusively provides users with a single financial product, such as a Line of Credit, your Account objects should map 1:1 with `Balance` objects created through the [Balance file](/file-reference/balances-and-transactions/balances-schema).

For programs offering multiple financial products, your `Account` object may have a 1:many relationship with [Balances](/file-reference/balances-and-transactions/balances-schema). For example, if you offer the same consumer a Depository Account and a Line of Credit.

All new accounts, as well as updates to existing accounts, are received through this file.