Add Funds to a Financial Account

Overview

Financial accounts hold payment card balances. The funding source for a financial account differs depending on your card product vertical.

The following table lists the funding source for each card product vertical:

Product Vertical	Funding Source
Debit	Funded using Originated ACH transfers from an account holder's verified external bank account or Non-originated ACH transfer
Charge	Funded by the credit limit, which is backed by your product funding account balance
Secured charge	Funded using secured deposits sent via transfer from an account holder's verified external bank account
Fleet	Funded by the credit limit, which is backed by your product funding account balance
AP automation	Funded using Non-originated ACH transfers
Prepaid	Funded using internal Highnote transfers from your product funding account balance
Payroll	Funded via external payroll or Non-originated ACH transfers

Transfer methods

transfer timelines

Card product cancellation periods and risk and compliance reviews can impact transfer timelines.

The following table outlines the different transfer methods used for funding a financial account, 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
Internal Highnote transfer	Within seconds

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, the bank will process it the 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.

Find financial account ID

Use the following query to find a financial account ID by application ID:

FindAccountHolderCardProductApplication

Query

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
                }
              }
            }
          }
        }
      }
    }
  }
}

Variables

{
  "id": "CARD_PRODUCT_APPLICATION_ID"
}

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Result

{
  "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"
  }
}

Add funds to a financial account

To add funds to a Highnote financial account, use one of the following methods:

• Originated ACH: Use this method for debit card products.
• Non-originated ACH: Use this method for API automation products.
• Transfer from product funding account: Use this method for credit and charge card products.

Non-originated ACH

test with dummy data

Do not enter production data in the Test environment. The Highnote Test environment is for exploring features and training. Use only dummy or test data.

In the Live environment, non-originated ACH transfers are initiated by account holders. In the Test environment, you can simulate a non-originated ACH transfer to fund a financial account using the following mutation:

simulateNonOriginatedAchTransfer

Query

mutation simulateNonOriginatedAchTransfer(
  $input: SimulateNonOriginatedAchTransferInput!
) {
  simulateNonOriginatedAchTransfer(input: $input) {
    __typename
    ... on NonOriginatedAchTransfer {
      id
      amount {
        currencyCode
        value
      }
      createdAt
      updatedAt
      ledgers {
        id
        name
        normalBalance
        asOf
        debitBalance {
          value
          currencyCode
        }
        creditBalance {
          value
          currencyCode
        }
      }
      type
      purpose
      sign
      traceNumber
      status
      statusFailureReason
      settlementDate
      processedAt
      failedAt
      returnSentToBankAt
    }
  }
}

Variables

{
  "input": {
    "idempotencyKey": "12345",
    "financialAccountId": "id",
    "amount": {
      "currencyCode": "USD",
      "value": "200.00"
    },
    "purpose": "DEPOSIT",
    "settlementDate": "2024-12-23",
    "companyIdentifier": "123",
    "companyName": "My Company",
    "companyDiscretionaryData": "data",
    "companyEntryDescription": "description",
    "individualIdentificationNumber": "123",
    "individualName": "Joe",
    "paymentRelatedInformation": "RMR*IV*0123456789**999.99"
  }
}

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Result

{
  "data": {
    "simulateNonOriginatedAchTransfer": {
      "__typename": "NonOriginatedAchTransfer",
      "id": "TRANSFER_ID",
      "amount": {
        "currencyCode": "USD",
        "value": "200.00"
      },
      "createdAt": "2024-09-13T10:15:30Z",
      "updatedAt": "2024-09-13T10:15:30Z",
      "ledgers": [
        {
          "id": "ledger_001",
          "name": "Primary Ledger",
          "normalBalance": "DEBIT",
          "asOf": "2024-09-13T10:15:30Z",
          "debitBalance": {
            "value": "200.00",
            "currencyCode": "USD"
          },
          "creditBalance": {
            "value": "0.00",
            "currencyCode": "USD"
          }
        }
      ],
      "type": "DEPOSIT",
      "purpose": "DEPOSIT",
      "sign": "+",
      "traceNumber": "123456789",
      "status": "PROCESSED",
      "statusFailureReason": null,
      "settlementDate": "2024-12-23",
      "processedAt": "2024-09-13T10:16:30Z",
      "failedAt": null,
      "returnSentToBankAt": null
    }
  }
}

Originated ACH

To pull funds from an external bank account via an originated ACH transfer, your account holder must connect a verified external account.

Once an account holder connects a verified external account, refer to the following guidelines for adding funds using originated ACH transfers:

• For the fromFinancialAccountId field, use the verified external account ID.
• For the toFinancialAccountId field, use the account holder financial account.
• Optional - Use a boolean to request the transfer to use same day ACH.

Use the following mutation to initiate an originated ACH transfer:

InitiateAchTransfer-Originated-Deposit

Query

mutation InitiateAchTransfer($input: InitiateAchTransferInput!) {
  initiateAchTransfer(input: $input) {
    __typename
    ... on OriginatedAchTransfer {
      id
      amount {
        value
        currencyCode
      }
      createdAt
      updatedAt
      type
      purpose
      sign
      sameDay
      traceNumber
      status
      effectiveEntryDate
      sentToBankAt
      processedAt
      fromFinancialAccount {
        __typename
        ... on ExternalFinancialBankAccount {
          id
          name
        }
      }
      toFinancialAccount {
        __typename
        ... on FinancialAccount {
          id
          name
        }
      }
    }
    ... on UserError {
      errors {
        code
        description
        errorPath
      }
    }
    ... on AccessDeniedError {
      message
    }
  }
}

Variables

{
  "input": {
    "idempotencyKey": "00000000-0000-0000-0000-000000000000",
    "fromFinancialAccountId": "EXTERNAL_BANK_ACCOUNT_ID",
    "toFinancialAccountId": "FINANCIAL_ACCOUNT_ID",
    "purpose": "DEPOSIT",
    "amount": {
      "value": 10000,
      "currencyCode": "USD"
    },
    "transferAgreementConsent": {
      "consentTimestamp": "2025-01-15T10:30:00.000Z",
      "authorizedPersonId": "AUTHORIZED_PERSON_ID",
      "template": {
        "consentTemplateId": "your-consent-template-id",
        "consentTemplateVersion": "1.0"
      }
    },
    "companyEntryDescription": "DEPOSIT",
    "individualName": "John Doe",
    "sameDay": false
  }
}

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Result

{
  "data": {
    "initiateAchTransfer": {
      "__typename": "OriginatedAchTransfer",
      "id": "eftet_1234567890abcdef",
      "amount": {
        "value": 10000,
        "currencyCode": "USD"
      },
      "createdAt": null,
      "updatedAt": null,
      "type": "PULL",
      "purpose": "DEPOSIT",
      "sign": "POSITIVE",
      "sameDay": false,
      "traceNumber": null,
      "status": "PENDING",
      "effectiveEntryDate": null,
      "sentToBankAt": null,
      "processedAt": null,
      "fromFinancialAccount": {
        "__typename": "ExternalFinancialBankAccount",
        "id": "EXTERNAL_BANK_ACCOUNT_ID",
        "name": "External Checking Account"
      },
      "toFinancialAccount": {
        "__typename": "FinancialAccount",
        "id": "FINANCIAL_ACCOUNT_ID",
        "name": "Primary Account"
      }
    }
  }
}

Transfer from product funding account

Some prepaid card products may require using your product funding account to fund an account holder's financial account. Use the following input variables to ensure money is moving in the correct direction:

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

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

initiateTransferFromFundingFinancialAccountToPaymentCardFinancialAccount

Query

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

Variables

{
  "input": {
    "toFinancialAccountId": "PRODUCT_FUNDING_ACCOUNT_ID",
    "fromFinancialAccountId": "ACCOUNT_HOLDER_FINANCIAL_ACCOUNT_ID",
    "memo": "Fund Financial Account #1",
    "amount": {
      "value": 10000,
      "currencyCode": "USD"
    }
  }
}

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Result

{
  "data": {
    "initiateTransferFromFundingFinancialAccountToPaymentCardFinancialAccount": {
      "__typename": "InterFinancialAccountTransfer",
      "id": "TRANSFER_ID",
      "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"
      }
    }
  }
}

Fund load review

You can inform Highnote that a WireTransfer or Non originated fund load has been sent. Once the information has been reviewed, the funds will be applied to the FinancialAccount.

Request wire fund load to a financial account

Call initiateAddWiredFundsToFinancialAccount with a FinancialAccount ID, memo, and amount to start a wire fund load request.

You must specify a memo. This should be the same memo that appears in the bank account when the wire transfer occurs.

InitiateAddWiredFundsToFinancialAccount

Query

mutation InitiateAddWiredFundsToFinancialAccount(
  $input: InitiateAddWiredFundsToFinancialAccountInput!
) {
  initiateAddWiredFundsToFinancialAccount(input: $input) {
    __typename
    ... on ReviewWorkflowEvent {
      id
      reviewState
      createdAt
      updatedAt
      transfer {
        __typename
        ... on WireTransfer {
          id
          type
        }
      }
      reviewItem {
        __typename
        ... on WireTransferReview {
          toFinancialAccount {
            __typename
            id
          }
          memo
          amount {
            ... on Amount {
              currencyCode
              value
            }
          }
          externalIdentifier
        }
      }
    }
    ... on UserError {
      errors {
        code
      }
    }
    ... on AccessDeniedError {
      message
    }
  }
}

Variables

{
  "input": {
    "toFinancialAccountId": "ac_1",
    "memo": "240926-HNS",
    "idempotencyKey": "00000000-0000-0000-0000-000000000000",
    "amount": {
      "value": 500000,
      "currencyCode": "USD"
    },
    "externalIdentifier": "an additional reference ID"
  }
}

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Result

{
  "data": {
    "initiateAddWiredFundsToFinancialAccount": {
      "__typename": "ReviewWorkflowEvent",
      "id": "mgwte_242cxm3q7wih4hb1be5ciem3o3m1sb6f31",
      "reviewState": "PENDING",
      "createdAt": "2025-01-23T21:13:41.685Z",
      "updatedAt": "2025-01-23T21:13:41.707Z",
      "transfer": null,
      "reviewItem": {
        "__typename": "WireTransferReview",
        "toFinancialAccount": {
          "__typename": "FinancialAccount",
          "id": "ac_og2234f70e5e4e384f1ca1f52b26aab8e7b5"
        },
        "memo": "Initiate workflow approval for wire transfer",
        "amount": {
          "currencyCode": "USD",
          "value": 999999
        },
        "externalIdentifier": "2b43fc97-2541-43fc-8dd6-6ab414ad0a48"
      }
    }
  }
}

Query wire fund load request

Use the following to retrieve a wire fund load request:

NodeWireTransferApprovalEvent

Query

query nodeWireTransferApprovalEvent($id: ID!) {
  node(id: $id) {
    __typename
    ... on ReviewWorkflowEvent {
      id
      reviewState
      createdAt
      updatedAt
      transfer {
        __typename
        ... on WireTransfer {
          __typename
          id
          memo
          type
          status
          ledgers {
            name
            debitBalance {
              value
            }
            creditBalance {
              value
            }
          }
        }
      }
      reviewItem {
        __typename
        ... on WireTransferReview {
          toFinancialAccount {
            __typename
            id
          }
          memo
          amount {
            value
            currencyCode
          }
          externalIdentifier
        }
      }
    }
  }
}

Variables

{
  "id": "mgwte_242cxm3q7wih4hb1be5ciem3o3m1sb6f31"
}

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Result

{
  "data": {
    "node": {
      "__typename": "ReviewWorkflowEvent",
      "id": "mgwte_242cxm3q7wih4hb1be5ciem3o3m1sb6f31",
      "reviewState": "COMPLETED",
      "createdAt": "2025-01-23T21:13:41.685Z",
      "updatedAt": "2025-01-23T21:14:17.886Z",
      "transfer": {
        "__typename": "WireTransfer",
        "id": "wt_228ac20fb461a24394bb2083f5f4d25933",
        "memo": "Initiate workflow approval for wire transfer",
        "type": "INCOMING_WIRE_TRANSFER",
        "status": "COMPLETED",
        "ledgers": [
          {
            "name": "CASH",
            "debitBalance": {
              "value": 999999
            },
            "creditBalance": {
              "value": 0
            }
          },
          {
            "name": "FUND_IN_HOLD",
            "debitBalance": {
              "value": 0
            },
            "creditBalance": {
              "value": 0
            }
          },
          {
            "name": "FUND_IN_HOLD",
            "debitBalance": {
              "value": 0
            },
            "creditBalance": {
              "value": 0
            }
          },
          {
            "name": "AVAILABLE_CASH",
            "debitBalance": {
              "value": 0
            },
            "creditBalance": {
              "value": 999999
            }
          },
          {
            "name": "CREDIT_OUTSTANDING",
            "debitBalance": {
              "value": 999999
            },
            "creditBalance": {
              "value": 0
            }
          },
          {
            "name": "AVAILABLE_CREDIT",
            "debitBalance": {
              "value": 0
            },
            "creditBalance": {
              "value": 999999
            }
          }
        ]
      },
      "reviewItem": {
        "__typename": "WireTransferReview",
        "toFinancialAccount": {
          "__typename": "FinancialAccount",
          "id": "ac_og2234f70e5e4e384f1ca1f52b26aab8e7b5"
        },
        "memo": "Initiate workflow approval for wire transfer",
        "amount": {
          "value": 999999,
          "currencyCode": "USD"
        },
        "externalIdentifier": "2b43fc97-2541-43fc-8dd6-6ab414ad0a48"
      }
    }
  }
}