Home / Guides/ Issue Cards
Handle Account Suspension
When building your experience, you will want to query for the financial account status while loading your account holder's information. Accounts may be placed under review and the account may be blocked from some tasks in your product.
The accountStatus indicates the overall state of a Financial Account and may also include an accountAttribute that adds restrictions.
For example, a Financial Account that is flagged for suspicious activity may have its accountStatus set from ACTIVE to UNDER_REVIEW.
Status Based Restrictions
| Status | Description |
|---|---|
ACTIVE | The Financial Account is open and active. |
SUSPENDED | The Financial Account is suspended and may have certain temporary restrictions in place. Fraudulent activity may be associated with the Financial Account. The Account Holder may need to contact customer support to resolve any issues prior to the account being reinstated. |
UNDER_REVIEW | The Financial Account is under investigation by a Highnote agent for unusual activity and may have temporary restrictions in place. The Financial Account will be moved to an ACTIVE or CLOSED state once the internal investigation is complete. The customer will be contacted by a Highnote agent if necessary. |
PENDING_CLOSURE | Financial Account closure is in progress. Restrictions are in place to allow an agent to resolve pending actions on the account prior to closure. |
CLOSED | The Financial Account is Closed. This is a terminal State and cannot be reversed. |
Account Attributes and Restrictions
Account attributes are added and removed exclusively by Highnote.
Note: Highnote strongly advises you do not expose any fraud or risk related accountAttributes to your customers as such information could facilitate further risky behavior to fraudsters.
Status Based Restrictions
| Attribute | Description | Restrictions |
|---|---|---|
PENDING_CLOSURE | The account is being processed for closure. | New Card Issuance. Authorizations. |
DELINQUENT | The account’s payment is delinquent and may be reported to the credit bureaus as such. | None. |
DELINQUENT_SUSPENDED | The account is suspended for authorizations for excessive delinquency based on the number of days set on your Product. | Authorizations. |
ACH_RISK_HOLD | The account is under investigation for unusual electronic funds transfer activity. | ACH Transfers are held for risk review. |
SUSPECTED_FRAUD | The account is under investigation for suspected fraud. | New Card Issuance. Authorizations. Rewards Redemption. ACH Transfers are held for risk review. |
OFAC_WARNING | The account is under investigation for a potential OFAC match. | New Card Issuance. Authorizations. Rewards Redemption. ACH Transfers are held for risk review. |
ACCOUNT_TAKEOVER | The account is under investigation for potential account takeover. | New Card Issuance. Authorizations. Rewards Redemption. ACH Transfers are held for risk review. |
IDENTITY_THEFT | The account is under investigation for potential identity theft. | New Card Issuance. Authorizations. Rewards Redemption. ACH Transfers are held for risk review. |