CREATE TABLE IF NOT EXISTS accounts (
    id              SERIAL PRIMARY KEY,
    name            VARCHAR(100)   NOT NULL,
    type            VARCHAR(20)    NOT NULL DEFAULT 'checking'
                        CHECK (type IN ('checking', 'savings', 'investment', 'credit')),
    initial_balance NUMERIC(12, 2) NOT NULL DEFAULT 0,
    created_at      TIMESTAMP WITH TIME ZONE NOT NULL DEFAULT NOW(),
    updated_at      TIMESTAMP WITH TIME ZONE NOT NULL DEFAULT NOW()
);

ALTER TABLE transactions ADD COLUMN IF NOT EXISTS account_id INTEGER
    REFERENCES accounts (id) ON DELETE SET NULL;

INSERT INTO schema_migrations (version) VALUES (4) ON CONFLICT DO NOTHING;