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Your account holder's may move funds out of your Product with both Originated ACH and Non-Originated ACH.
|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|
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. For Financial Accounts with the
DirectDepositDetails feature, you may also use the virtual account and routing number for Non-Originated ACH Transfers.
You may want to allow your Account Holders to withdraw funds via Originated ACH from a Highnote Financial Account to an External Bank Account.
Once an external bank account has been connected, you can use the Financial Account ID of the external account in the
toFinancialAccount field and the Financial Account ID of the Highnote account in the
If the Financial Accounts for your Product have the feature
DirectDepositFinancialAccountFeature, your Account Holders will be able to use their virtual account and routing numbers to add their 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 your Product.