Move Funds Out of Highnote

Connect External Accounts

Transfer Funds

Financial Accounts hold the balances for Payment Cards within Highnote. These accounts may be funded from a variety of sources and the method of funding is dependent on type of Card Product you have.

| Product Vertical | Funding Source |
|:---|:---|
| Debit | Originated ACH Transfers via an Account Holder's Verified External Bank Account or Non-Originated ACH
| Charge | Credit Limit (Backed by your Product Funding Balance)
| Secured Charge | Secured Deposits via an Account Holder's Verified External Bank Account
| Fleet | Credit Limit (Backed by your Product Funding Balance)
| AP Automation | Non-Originated ACH
| Prepaid | Intra-Highnote Transfers from your Product Funding Balance
| Payroll | External Payroll or Non-Originated ACH

#### Methods and Cost
| Transfer Method | Speed | Cost
|:---|:---|:---|
| Originated ACH | 3-5 business days | Lowest
| Originated Same Day ACH | 1-2 business days | Low
| Non-Originated ACH | 3-5 business days | No Cost
| Intra-Highnote Transfer | Instant | No Cost

Originated ACH and Originated Same Day ACH have a required 3 business day hold period once the transfer has been initiated and is processing.

Overview

To get the ID of a Financial Account, you can query with an Application ID. This ID is also available in the Dashboard when viewing a Financial Account.

In the Live Environment, you can use this same ID for [Originated ACH Transfers](/docs/platform/funds-movement/add-funds-to-a-financial-account#add-funds-with-originated-ach). For Financial Accounts with the `DirectDepositDetails` feature, you may also use the virtual account and routing number for [Non-Originated ACH Transfers](/docs/platform/funds-movement/add-funds-to-a-financial-account#simulate-an-external-ach-transfer-to-the-financial-account).

~~~graphql
query FindAccountHolderCardProductApplication($id: ID!) {
  node(id: $id) {
    ... on AccountHolderCardProductApplication {
      __typename
      id
      createdAt
      updatedAt
      applicationState {
        status
      }
      cardProduct {
        name
      }
      accountHolderSnapshot {
        ... on USPersonAccountHolderSnapshot {
          accountHolderCurrent {
            id
            financialAccounts(first: 20) {
              pageInfo {
                hasNextPage
                hasPreviousPage
                startCursor
                endCursor
              }
              edges {
                cursor
                node {
                  __typename
                  id
                  name
                }
              }
            }
          }
        }
        ... on USBusinessAccountHolderSnapshot {
          accountHolderCurrent {
            id
            financialAccounts(first: 20) {
              pageInfo {
                hasNextPage
                hasPreviousPage
                startCursor
                endCursor
              }
              edges {
                cursor
                node {
                  __typename
                  id
                  name
                }
              }
            }
          }
        }
      }
    }
  }
}
~~~

~~~json
{
  "data": {
    "node": {
      "__typename": "AccountHolderCardProductApplication",
      "id": "MC4xNi5h",
      "createdAt": "2022-02-24T15:55:10.842Z",
      "updatedAt": "2022-02-24T15:55:17.742Z",
      "applicationState": {
        "status": "APPROVED"
      },
      "cardProduct": {
        "name": "Business Prepaid"
      },
      "accountHolderSnapshot": {
        "accountHolderCurrent": {
          "id": "MC4xMS5w",
          "financialAccounts": {
            "pageInfo": {
              "hasNextPage": false,
              "hasPreviousPage": false,
              "startCursor": "dD0yMDIyLTAzLTAyVDAzJTNBMzQlM0E0Ni4zODAwMDAwMDBaJmk9YWNfYzAyMjY1MDdlOWYyMDVlZTRjNDc5YzIxNDQxYTA5NTgzMjZh",
              "endCursor": "dD0yMDIyLTAyLTI0VDE1JTNBNTYlM0EzOC41NTkwMDAwMDBaJmk9YWNfYzAyMjc1NGQ4MTlkMzQ2ZDRiZWU4OGQzNzMxZjllNDAzNzBh"
            },
            "edges": [
              {
                "cursor": "dD0yMDIyLTAzLTAyVDAzJTNBMzQlM0E0Ni4zODAwMDAwMDBaJmk9YWNfYzAyMjY1MDdlOWYyMDVlZTRjNDc5YzIxNDQxYTA5NTgzMjZh",
                "node": {
                  "__typename": "FinancialAccount",
                  "id": "MC40LmFj",
                  "name": "Financial Account #1"
                }
              },
              {
                "cursor": "dD0yMDIyLTAyLTI0VDE1JTNBNTYlM0EzOC41NTkwMDAwMDBaJmk9YWNfYzAyMjc1NGQ4MTlkMzQ2ZDRiZWU4OGQzNzMxZjllNDAzNzBh",
                "node": {
                  "__typename": "FinancialAccount",
                  "id": "MC40LmFj",
                  "name": "Financial Account #2"
                }
              }
            ]
          }
        }
      }
    }
  },
  "extensions": {
    "requestId": "2f2c0475-adf1-956e-994e-f81b63ad3df6"
  }
}
~~~

FindAccountHolderCardProductApplication

Find the ID of a Financial Account

With a Financial Account ID, you can simulate a Non-Originated ACH Transfer from an external bank account into a Highnote Financial Account. 

Non-Originated Transfers do not require you to connect an external bank account.

~~~graphql
mutation SimulateExternallyInitiatedACHTransfer(
  $input: SimulateExternallyInitiatedACHTransferInput!
) {
  simulateExternallyInitiatedACHTransfer(input: $input) {
    __typename
    ... on CreditFunds {
      id
      amount {
        currencyCode
        value
      }
      createdAt
      updatedAt

      ledgers {
        id
        name
        normalBalance
        asOf
        debitBalance {
          value
          currencyCode
        }
        creditBalance {
          value
          currencyCode
        }
      }
      status {
        __typename
        ... on NonFailureExternallyInitiatedACHStatus {
          status
        }
        ... on FailureExternallyInitiatedACHStatus {
          status
          statusReasonCode
        }
      }
      toFinancialAccount {
        __typename
        ... on FinancialAccount {
          id
          name
        }
      }
      companyName
      descriptor {
        companyEntryDescription
        individualIdentificationNumber
        individualName
      }
      companyIdentifier
      settlementDate
    }
    ... on DebitFunds {
      id
      amount {
        currencyCode
        value
      }
      createdAt
      updatedAt

      ledgers {
        id
        name
        normalBalance
        asOf
        debitBalance {
          value
          currencyCode
        }
        creditBalance {
          value
          currencyCode
        }
      }
      status {
        __typename
        ... on NonFailureExternallyInitiatedACHStatus {
          status
        }
        ... on FailureExternallyInitiatedACHStatus {
          status
          statusReasonCode
        }
      }
      fromFinancialAccount {
        __typename
        ... on FinancialAccount {
          id
          name
        }
      }
      companyName
      descriptor {
        companyEntryDescription
        individualIdentificationNumber
        individualName
      }
      companyIdentifier
      settlementDate
    }
    ... on UserError {
      errors {
        path
        code
      }
    }
    ... on AccessDeniedError {
      message
    }
  }
}
~~~

~~~json
{
  "data": {
    "simulateNonOriginatedACHTransfer": {
      "__typename": "CreditFunds",
      "id": "MC4zMi5l",
      "amount": {
        "currencyCode": "USD",
        "value": 10000
      },
      "createdAt": "2022-05-10T01:16:56.652Z",
      "updatedAt": "2022-05-10T01:16:56.669Z",
      "ledgers": [],
      "status": {
        "__typename": "NonFailureExternallyInitiatedACHStatus",
        "status": "PENDING"
      },
      "toFinancialAccount": {
        "__typename": "FinancialAccount",
        "id": "MC40LmFj",
        "name": "Business Prepaid - Product Funding"
      },
      "companyName": "THESAMPLECOMPANY",
      "descriptor": {
        "companyEntryDescription": "ENTRYDSCPT",
        "individualIdentificationNumber": "RECEIVER_NUMBER",
        "individualName": "THISISTHERECIEVEROFACH"
      },
      "companyIdentifier": "1234567890",
      "settlementDate": "2022-05-10T01:16:56.491Z"
    }
  },
  "extensions": {
    "requestId": "e11d8-f157-93fc-9e6b-db0a690d2915"
  }
}
~~~

SimulateExternallyInitiatedACHTransfer

Add Funds with Non-Originated ACH

[Originated ACH](/docs/platform/funds-movement/overview#originated-ach) allows you to build an experience for your Account Holders to add funds to their Financial Account from your app or website. Your Account Holder will first need to connect a [Verified External Account](/docs/platform/funds-movement/verified-external-accounts).

Once you have connected a Verified External Account, you will use the ID as the `fromFinancialAccountId` and the `toFinancialAccountId` is the ID of the destination Financial Account. 

You can request the Transfer to use [Same Day ACH](/docs/platform/funds-movement/overview#ach-originated-same-day) by [passing a boolean on the input](/docs/reference/input_object/InitiateFundsDepositACHTransferInput).

~~~graphql
mutation InitiateFundsDepositACHTransfer(
  $input: InitiateFundsDepositACHTransferInput!
) {
  initiateFundsDepositACHTransfer(input: $input) {
    __typename
    ... on IntegratorInitiatedFundsDepositACHTransfer {
      id
      amount {
        currencyCode
        value
      }
      createdAt
      updatedAt

      ledgers {
        id
        name
        normalBalance
        asOf
        debitBalance {
          value
          currencyCode
        }
        creditBalance {
          value
          currencyCode
        }
      }
      status {
        __typename
        ... on NonFailureIntegratorInitiatedACHStatus {
          status
        }
        ... on FailureIntegratorInitiatedACHStatus {
          status
          statusReasonCode
        }
      }
      fromFinancialAccount {
        __typename
        ... on ExternalFinancialBankAccount {
          id
          name
        }
      }
      toFinancialAccount {
        __typename
        ... on FinancialAccount {
          id
          name
        }
      }
      companyName
      descriptor {
        companyEntryDescription
        individualIdentificationNumber
        individualName
      }
      companyIdentifier
      settlementDate
      sameDay
    }
    ... on UserError {
      errors {
        path
        code
      }
    }
    ... on AccessDeniedError {
      message
    }
  }
}
~~~

~~~json
{
  "data": {
    "InitiateFundsDepositACHTransfer": {
      "__typename": "InitiateFundsDepositACHTransfer",
      "id": "MC4yMy5p",
      "status": {
        "__typename": "NonFailureIntegratorInitiatedACHStatus",
        "status": "INITIATED"
      },
      "fromFinancialAccount": {
        "__typename": "ExternalFinancialBankAccount",
        "id": "MC40LmFj",
        "name": "Internal account"
      },
      "toFinancialAccount": {
        "__typename": "FinancialAccount",
        "id": "MC40LmFj",
        "name": "External account"
      },
      "amount": {
        "value": 10000,
        "currencyCode": "USD"
      },
      "ledgers": null,
      "settlementDate": "2022-04-21T19:15:43.439Z",
      "companyName": "HIGHNOTEPLATFORM",
      "companyIdentifier": "1852922649",
      "descriptor": {
        "companyEntryDescription": "entryDesc",
        "individualName": "indName",
        "individualIdentificationNumber": ""
      },
      "createdAt": "2021-12-27T22:26:55.102Z",
      "updatedAt": "2021-12-27T22:26:55.127Z",
      "sameDay": true
    }
  }
}
~~~

InitiateFundsDepositACHTransfer

Add Funds with Originated ACH

Secured Deposits require a transfer from a [Verified External Account](/docs/platform/funds-movement/verified-external-accounts). Following Verification, you can use the ID of the Verified External Account and the Financial Account ID of the Highnote account.

Once the deposit is successful, this will set the credit limit for the Account Holder.

~~~graphql
mutation InitiateSecureDepositACHTransfer(
  $input: InitiateSecureDepositACHTransferInput!
) {
  initiateSecureDepositACHTransfer(input: $input) {
    __typename
    ... on SecureDepositACHTransfer {
      id
      amount {
        currencyCode
        value
      }
      createdAt
      updatedAt

      ledgers {
        id
        name
        normalBalance
        asOf
        debitBalance {
          value
          currencyCode
        }
        creditBalance {
          value
          currencyCode
        }
      }
      status {
        __typename
        ... on NonFailureIntegratorInitiatedACHStatus {
          status
        }
        ... on FailureIntegratorInitiatedACHStatus {
          status
          statusReasonCode
        }
      }
      fromFinancialAccount {
        ... on FinancialAccount {
          id
          name
        }
      }
      toFinancialAccount {
        ... on FinancialAccount {
          id
          name
        }
      }
      companyName
      descriptor {
        companyEntryDescription
        individualIdentificationNumber
        individualName
      }
      companyIdentifier
      settlementDate
    }
    ... on UserError {
      errors {
        path
        code
      }
    }
    ... on AccessDeniedError {
      message
    }
  }
}
~~~

~~~json
{
  "data": {
    "InitiateSecureDeposit": {
      "__typename": "Transfer",
      "id": "MC4yMy5pYV8yMjIzY2MwYTEyZTNmZTRiMjJiY2E4ZWU5YTBmZWIwYjY5",
      "originationType": "SecureDeposit",
      "transactionState": {
        "status": "NEW",
        "returnCode": null,
        "returnCodeDescription": null
      },
      "amount": {
        "value": 10000,
        "currencyCode": "USD"
      },
      "ledgers": null,
      "submissionDate": "2021-12-27",
      "descriptor": {
        "companyEntryDescription": "YOURCOMPANY",
        "individualName": "Jane Doe",
        "individualIdentificationNumber": "A34234234"
      },
      "createdAt": "2021-12-27T22:26:55.102Z",
      "updatedAt": "2021-12-27T22:26:55.127Z"
    }
  }
}
~~~

InitiateSecureDeposit

Secured Deposits are exclusive to Secured Charge Products. We do not allow the creation of a Secured Deposit from the Dashboard in the Live Environment.

Add Funds via a Secured Deposit with Originated ACH 

To load funds from your Product Funding Balance to be used via a Payment Card, you can move funds from your Product Funding Balance (source) to your Financial Account (destination).

~~~graphql
mutation initiateTransferFromFundingFinancialAccountToPaymentCardFinancialAccount($input: 	InitiateTransferFromFundingFinancialAccountToPaymentCardFinancialAccountInput!) {
	initiateTransferFromFundingFinancialAccountToPaymentCardFinancialAccount(input: $input) {
    __typename
    ... on InterFinancialAccountTransfer {
      id
      status
      statusReason
      createdAt
      updatedAt
	  memo
      amount {
        value
        currencyCode
      }
    }
    ... on UserError {
      errors {
        code
				path
				description
      }
    }
    ... on AccessDeniedError {
      message
    }
  }
}
~~~

~~~json
{
  "data": {
    "initiateTransferFromFundingFinancialAccountToPaymentCardFinancialAccount": {
      "__typename": "InterFinancialAccountTransfer",
      "id": "MC4yMy5p",
      "status": "PENDING",
      "memo": "Fund Financial Account #1",
      "statusReason": null,
      "createdAt": "2021-12-27T22:26:55.102Z",
      "updatedAt": "2021-12-27T22:26:55.127Z",
      "amount": {
        "value": 10000,
        "currencyCode": "USD"
      }
    }
  }
}
~~~

Add Funds to an Account

Overview

Methods and Cost

Find the ID of a Financial Account

Add Funds with Non-Originated ACH

Add Funds with Originated ACH

Add Funds via a Secured Deposit with Originated ACH

Load Funds from Product Funding Balance to a Financial Account

Product Vertical	Funding Source
Debit	Originated ACH Transfers via an Account Holder's Verified External Bank Account or Non-Originated ACH
Charge	Credit Limit (Backed by your Product Funding Balance)
Secured Charge	Secured Deposits via an Account Holder's Verified External Bank Account
Fleet	Credit Limit (Backed by your Product Funding Balance)
AP Automation	Non-Originated ACH
Prepaid	Intra-Highnote Transfers from your Product Funding Balance
Payroll	External Payroll or Non-Originated ACH

Transfer Method	Speed	Cost
Originated ACH	3-5 business days	Lowest
Originated Same Day ACH	1-2 business days	Low
Non-Originated ACH	3-5 business days	No Cost
Intra-Highnote Transfer	Instant	No Cost