On-demand Funding

Transfer between Financial Accounts

Transfer Funds

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) transfers. 

This guide provides steps for moving funds out of Highnote using both transfer methods. 


Overview

The following table outlines the different transfers methods for moving funds out of Highnote, and their associated timelines: 
| Transfer Method | Timeline |
|:---|:---|
| Originated ACH | Three to five business days |
| Originated next day ACH | One to three business days | 
| Originated same day ACH | One to two business days | 
| Non-originated ACH | Three to five business days | 

**Note:** Card product cancelation periods and 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 Debit transfers (funds pulling in) 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 the API using an application ID. 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": "CARD_PRODUCT_APPLICATION_ID",
      "createdAt": "2022-02-24T15:55:10.842Z",
      "updatedAt": "2022-02-24T15:55:17.742Z",
      "applicationState": {
        "status": "APPROVED"
      },
      "cardProduct": {
        "name": "Business Prepaid"
      },
      "accountHolderSnapshot": {
        "accountHolderCurrent": {
          "id": "ACCOUNT_HOLDER_ID",
          "financialAccounts": {
            "pageInfo": {
              "hasNextPage": false,
              "hasPreviousPage": false,
              "startCursor": "start-cursor",
              "endCursor": "end-cursor"
            },
            "edges": [
              {
                "cursor": "some-cursor",
                "node": {
                  "__typename": "FinancialAccount",
                  "id": "FINANCIAL_ACCOUNT_ID",
                  "name": "Financial Account #1"
                }
              },
              {
                "cursor": "some-cursor",
                "node": {
                  "__typename": "FinancialAccount",
                  "id": "FINANCIAL_ACCOUNT_ID",
                  "name": "Financial Account #2"
                }
              }
            ]
          }
        }
      }
    }
  },
  "extensions": {
    "requestId": "REQUEST_ID"
  }
}
~~~

FindAccountHolderCardProductApplication

Find financial account ID

You can allow account holders to withdraw funds from a Highnote financial account to a [verified external bank account](/docs/guides/transfers/external-accounts) using originated ACH.

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

Use the following mutation to move funds to a verified external account:

~~~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": "TRANSFER_ID",
      "status": {
        "__typename": "NonFailureIntegratorInitiatedACHStatus",
        "status": "INITIATED"
      },
      "fromFinancialAccount": {
        "__typename": "FinancialAccount",
        "id": "ACCOUNT_HOLDER_FINANCIAL_ACCOUNT_ID",
        "name": "Internal account"
      },
      "toFinancialAccount": {
        "__typename": "ExternalFinancialBankAccount",
        "id": "VERIFIED_EXTERNAL_ACCOUNT_ID",
        "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, 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. 

Account holders can initiate withdrawals and move funds out of their Highnote financial accounts using these third-party services. 

Move funds to an external account with non-originated ACH

Move Funds Out of Highnote

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Transfer Method	Timeline
Originated ACH	Three to five business days
Originated next day ACH	One to three business days
Originated same day ACH	One to two business days
Non-originated ACH	Three to five business days