Incorrect FinanceKit Account Balance Data for Apple Cash/Savings (asset accounts)

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When I use the FinanceKit API to get the account balance history for my Apple Cash account, the data shows that I have $1 as a debit. The accounts endpoint reveals that the Apple Cash account is an asset account. This means that according to the FinanceKit data my account balance is -$1. However, I know this is incorrect because when I look at my Apple Cash account using the Wallet app I see that I have a balance of $1 (see image below). I believe the issue is the creditDebitIndicator’s value in the Account Balance data. Here are the steps to recreate this.

Open new Apple Cash account
Send $1 to Apple Cash account
Query accountBalanceHistory with a nil history token (to fetch all data)
Look at the account balance data and see the $1 and “debit” for creditDebitIndicator

Also, the documentation says that an asset account with a balance of $0 will have creditDebitIndicator/Credit, however, I am getting creditDebitIndicator/Debit. See https://developer.apple.com/documentation/financekit/balance/creditdebitindicator

Here is a formatted output of the data from FinanceKit showing my balance_history. Please note that the transaction history's creditDebitIndicator value is correct. This leads me to believe it’s some issue with FinanceKit, but I am not sure. Any help is greatly appreciated.

    "balance_history": [
  {
    "inserted": [
      {
        "id": "A",
        "account_id": "X",
        "available": {
          "amount": {
            "amount": 0,
            "currency_code": "USD"
          },
          "as_of_date": "2026-03-30T17:02:51Z",
          "credit_debit_indicator": "debit"
        },
        "booked": {
          "amount": {
            "amount": 0,
            "currency_code": "USD"
          },
          "as_of_date": "2026-03-30T17:02:51Z",
          "credit_debit_indicator": "debit"
        },
        "currency_code": "USD"
      }
    ],
    "deleted": [],
    "updated": []
  },
  {
    "inserted": [
      {
        "available": {
          "as_of_date": "2026-04-02T13:12:48Z",
          "credit_debit_indicator": "debit",
          "amount": {
            "amount": 1,
            "currency_code": "USD"
          }
        },
        "id": "B",
        "booked": {
          "amount": {
            "amount": 1,
            "currency_code": "USD"
          },
          "as_of_date": "2026-04-02T13:12:48Z",
          "credit_debit_indicator": "debit"
        },
        "currency_code": "USD",
        "account_id": "X"
      }
    ],
    "updated": [],
    "deleted": []
  },
  {
    "updated": [
      {
        "id": "B",
        "booked": {
          "as_of_date": "2026-04-02T13:12:48Z",
          "credit_debit_indicator": "debit",
          "amount": {
            "currency_code": "USD",
            "amount": 1
          }
        },
        "account_id": "X",
        "currency_code": "USD",
        "available": {
          "credit_debit_indicator": "debit",
          "amount": {
            "amount": 1,
            "currency_code": "USD"
          },
          "as_of_date": "2026-04-02T13:12:48Z"
        }
      }
    ],
    "deleted": [],
    "inserted": []
  },
],

Xcode Version 26.4 (17E192) iOS 26.3.1 (23D8133) iPhone 14

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Answer 1

cdombrowski OP

2h

Below I have printed out the account balance data directly. You can see the first balance has an amount of 0 and is "debit" and the second balance has an amount of 1 and is also "debit."

let balanceQuery = AccountBalanceQuery()
let balances = try await FinanceStore.shared.accountBalances(query: balanceQuery)

for balance in balances {
  dump(balance)
}

▿ FinanceKit.AccountBalance
  - id: A
  - accountID:X
  ▿ currentBalance: FinanceKit.CurrentBalance.availableAndBooked
    ▿ availableAndBooked: (2 elements)
      ▿ available: FinanceKit.Balance
        ▿ amount: FinanceKit.CurrencyAmount
          ▿ amount: 0
            ▿ _mantissa: (8 elements)
              - .0: 0
              - .1: 0
              - .2: 0
              - .3: 0
              - .4: 0
              - .5: 0
              - .6: 0
              - .7: 0
          - currencyCode: "USD"
        ▿ asOfDate: 2026-03-30 17:02:51 +0000
          - timeIntervalSinceReferenceDate: 796582971.025685
        - creditDebitIndicator: FinanceKit.CreditDebitIndicator.debit
      ▿ booked: FinanceKit.Balance
        ▿ amount: FinanceKit.CurrencyAmount
          ▿ amount: 0
            ▿ _mantissa: (8 elements)
              - .0: 0
              - .1: 0
              - .2: 0
              - .3: 0
              - .4: 0
              - .5: 0
              - .6: 0
              - .7: 0
          - currencyCode: "USD"
        ▿ asOfDate: 2026-03-30 17:02:51 +0000
          - timeIntervalSinceReferenceDate: 796582971.025685
        - creditDebitIndicator: FinanceKit.CreditDebitIndicator.debit

▿ FinanceKit.AccountBalance
  - id: B
  - accountID: X
  ▿ currentBalance: FinanceKit.CurrentBalance.availableAndBooked
    ▿ availableAndBooked: (2 elements)
      ▿ available: FinanceKit.Balance
        ▿ amount: FinanceKit.CurrencyAmount
          ▿ amount: 1
            ▿ _mantissa: (8 elements)
              - .0: 1
              - .1: 0
              - .2: 0
              - .3: 0
              - .4: 0
              - .5: 0
              - .6: 0
              - .7: 0
          - currencyCode: "USD"
        ▿ asOfDate: 2026-04-07 17:36:57 +0000
          - timeIntervalSinceReferenceDate: 797276217.58582
        - creditDebitIndicator: FinanceKit.CreditDebitIndicator.debit
      ▿ booked: FinanceKit.Balance
        ▿ amount: FinanceKit.CurrencyAmount
          ▿ amount: 1
            ▿ _mantissa: (8 elements)
              - .0: 1
              - .1: 0
              - .2: 0
              - .3: 0
              - .4: 0
              - .5: 0
              - .6: 0
              - .7: 0
          - currencyCode: "USD"
        ▿ asOfDate: 2026-04-07 17:36:57 +0000
          - timeIntervalSinceReferenceDate: 797276217.58582
        - creditDebitIndicator: FinanceKit.CreditDebitIndicator.debit

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