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Add Funds to an Account


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 VerticalFunding Source
DebitOriginated ACH Transfers via an Account Holder's Verified External Bank Account or Non-Originated ACH
ChargeCredit Limit (backed by your Product Funding Account)
Secured ChargeSecured Deposits via an Account Holder's Verified External Bank Account
FleetCredit Limit (backed by your Product Funding Account)
AP AutomationNon-Originated ACH
PrepaidIntra-Highnote Transfers from your Product Funding Balance
PayrollExternal Payroll or Non-Originated ACH

Transfer Methods

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

The following table outlines the different transfer methods that can be used to add funds to an account, as well as each transfer method's associated timeline and cost:

Transfer MethodTimeline
Originated ACH3-5 business days
Originated Next Day ACH1-3 business days
Originated Same Day ACH1-2 business days
Non-Originated ACH3-5 business days
Intra-Highnote TransferInstant

Cutoff Times

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 3 business day hold period once the transfer has been initiated and is processing.

Find the Financial Account ID

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

In the Live Environment, you can use the financial account ID for originated ACH Transfers. For financial account with the DirectDepositDetails feature, you may also use the virtual account and routing number for non-originated ACH transfers.

Use the following query to find a financial account ID:

Simulate Adding Funds with Non-Originated ACH

Warning: The Highnote test environment allows you to freely explore the platform features and functionality. It is intended for experimenting, building integrations, and training your team.

To ensure the security of your real-world data, please refrain from entering production data into the test environment. Production data includes sensitive information like customer details, financial data, or personally identifiable information (PII).

Use only dummy or test data explicitly created for testing purposes in the test environment.

Using a financialAccountId, you can simulate a non-originated ACH transfer from an external bank account into a Highnote financial account. These transfers do not require you to connect an external bank account, as they originate from the external bank, not the account holder's financial account.

To simulate a non-originated ACH transfer in the Test Environment, use the following mutation:

Add Funds with Originated ACH

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.

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

You can request the Transfer to use Same Day ACH by passing a boolean on the input.

Use the following mutation to initiated a Originated ACH transfer:

Add Funds via a Secure Deposit with Originated ACH

Secure Deposits are an exclusive feature of Secured Commercial Charge Card Products. You can't create a Secure Deposit from the Dashboard in the Live Environment. To enable the feature for your Secured Commercial Charge Card Product, contact support@highnote.com.

Secure Deposits require a transfer from a Verified External Account. Following verification, you can use the ID of the Verified External Account and the Financial Account ID of the Highnote account to initiate the Secure Deposit transfer.

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

Use the following mutation to initiate a Secure Deposit transfer:

Load Funds from Product Funding Account to a Financial Account

To fund an account holder's financial account, you can transfer funds from your product funding account. For input variables, use the following IDs:

  • toFinancialAccountId: Account holder's payment card financial account ID
  • fromFinancialAccountId: Product funding account ID

Use the following mutation to initiate a transfer from your product funding account:

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