On-demand Funding

Transfer between Financial Accounts

Transfer Funds

Your account holders can move funds out of their financial account using both [originated ACH](/docs/issuing/transfers/move-funds-out#initiating-a-funds-out-transfer-to-an-external-bank-account) and [non-originated ACH](/docs/issuing/transfers/move-funds-out#move-funds-with-non-originated-ach). 


Overview

The following table outlines the different transfer methods that can be used to move funds out of Highnote, as well as each transfer method's associated timeline and cost: 
| Transfer Method | Timeline |
|:---|:---|
| Originated ACH | 3-5 business days |
| Originated next day ACH | 1-3 business days | 
| Originated same day ACH | 1-2 business days | 
| Non-originated ACH | 3-5 business days | 

Cancelation periods configured for your Card Product and/or Risk and Compliance reviews can impact transfer timelines.

Transfer Methods

Originated ACH transfers have specific cutoff times for processing. Initiating a transfer after the specified cutoff time may result in additional processing time.
- **Originated next day ACH**: If a transfer is initiated before 4 PM EST, it will be processed by the bank the following business day. If initiated after 4 PM EST, the transfer will be processed two business days from initiation.
- **Originated same day ACH**: If a transfer is initiated before 2 PM EST it will be processed by the bank same day. If initiated after 2 PM EST, the transfer will be processed the following business day.

All originated ACH transfer methods have a required three business day hold period once the transfer has been initiated and is processing.

Cutoff Times

To retrieve a financial account ID, you can query using an application ID as an input variable. The financial account ID is also available in the dashboard when viewing a financial account.

![Financial Account ID Test.png](https://media.graphassets.com/qoqV6wW7RTGdTrJDpEtf)

In the Live Environment, you can use the financial account ID for [originated ACH Transfers](/docs/issuing/transfers/add-funds#add-funds-with-originated-ach). For financial account with the `DirectDepositDetails` feature, you may also use the virtual account and routing number for [non-originated ACH transfers](/docs/issuing/transfers/add-funds#simulate-an-external-ach-transfer-to-the-financial-account).

Use the following query to find a financial account ID:

~~~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 Financial Account ID

You may want to allow your account holder to withdraw funds via originated ACH from a Highnote financial account to an [External Bank Account](/docs/guides/transfers/external-accounts).

Once an external bank account has been connected, use the following IDs as input variables in the `InitiateFundsWithdrawalACHTransfer` mutation: 
- `toFinancialAccount`: Financial account ID of the external bank account
- `fromFinancialAccount`: Account holder's Highnote financial account ID

~~~graphql
mutation InitiateFundsWithdrawalACHTransfer(
  $input: InitiateFundsWithdrawalACHTransferInput!
) {
  initiateFundsWithdrawalACHTransfer(input: $input) {
    __typename
    ... on IntegratorInitiatedFundsWithdrawalACHTransfer {
      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 FinancialAccount {
          id
          name
        }
      }
      toFinancialAccount {
        __typename
        ... on FinancialAccount {
          id
          name
        }
      }
      companyName
      descriptor {
        companyEntryDescription
        individualIdentificationNumber
        individualName
      }
      companyIdentifier
      settlementDate
    }
    ... on UserError {
      errors {
        path
        code
      }
    }
    ... on AccessDeniedError {
      message
    }
  }
}
~~~

~~~json
{
  "data": {
    "initiateFundsWithdrawalACHTransfer": {
      "__typename": "IntegratorInitiatedFundsWithdrawalACHTransfer",
      "id": "MC4yMy5p",
      "status": {
        "__typename": "NonFailureIntegratorInitiatedACHStatus",
        "status": "INITIATED"
      },
      "fromFinancialAccount": {
        "__typename": "FinancialAccount",
        "id": "MC40LmFj",
        "name": "Internal account"
      },
      "toFinancialAccount": {
        "__typename": "ExternalFinancialBankAccount",
        "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"
    }
  }
}
~~~

InitiateFundsWithdrawalACHTransfer

Move Funds to an External Account with Originated ACH

If financial accounts for your card product have the `DirectDepositFinancialAccountFeature` enabled, your account holders can use their virtual account and routing numbers to add their financial accounts to third-party services such as banks or payment apps. From these third-party services, your account holders may initiate withdrawals and move funds out of their financial account associated with your card product. 

Move Funds to an External Account with Non-Originated ACH

Move Funds Out of Highnote

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Acquiring

Transfer Method	Timeline
Originated ACH	3-5 business days
Originated next day ACH	1-3 business days
Originated same day ACH	1-2 business days
Non-originated ACH	3-5 business days