ACH transfer details – Highnote

This page defines fields listed on an ACH transfer, either Originated or NonOriginated.

Field	Orig / NonOrig	Description
Initiated At	Both	The date the transfer was initiated (or created), in ISO 8601 format, e.g. 2024-01-01T00:00:00.000Z.
Updated At	Both	The date and time the transfer details were last updated, in ISO 8601 format, e.g. 2024-01-01T00:00:00.000Z.
Sent To Bank At	Orig	OriginatedACHTransfer only The date and time the transfer was sent to the external financial institution for processing, in ISO 8601 date and time format, e.g. 2024-01-01T00:00:00.000Z.
Return Sent To Bank At	NonOrig	NonOriginatedACHTransfer only The date the transfer was returned by Highnote to the external financial institution, in ISO 8601 format, e.g. 2024-01-01T00:00:00.000Z.
Effective Entry Date	Orig	OriginatedACHTransfer only The date specified by Highnote in which ACH settlement is expected to occur at the external financial institution, in ISO 8601 date format, e.g. 2024-01-01. When sameDay is true and the transfer is initiated within the Federal Reserve ACH processing schedule, the effective entry date is the same date as the date of createdAt on Eastern Time Zone, otherwise, it is equal to the next business day. When sameDay is false, the effective entry date is equal to one business day from createdAt if the transfer is initiated within the Federal Reserve ACH processing schedule, otherwise, it is equal to two business days from createdAt.
Expected Processed At	Orig	OriginatedACHTransfer only The date and time the transfer is expected to process, e.g. transition to `PROCESSED`, and reflected on the financial account', in ISO 8601 date and time format, e.g. 2024-01-01T00:00:00.000Z.
Type	Both	The direction of the transfer, `PUSH` or `PULL`, from the perspective of the originating financial institution.
		OriginatedACHTransfer: `PUSH` means pushing funds from a Highnote `FinancialAccount` to an external financial account. `PULL` means pulling funds from an external financial account to a Highnote `FinancialAccount`.
		NonOriginatedACHTransfer: `PUSH` means pushing funds from an external financial account to a Highnote `FinancialAccount`. `PULL` means pulling funds from a Highnote `FinancialAccount` to an external financial account.
Purpose	Both	The purpose of the transfer, e.g. deposit or repayment.
Card Product	Both	The `CardProduct` associated with the Highnote `FinancialAccount`.
Company Name & ID	Both	The name and ID of the company that initiated the transfer.
Trace Number	Both	A unique 15 digit number assigned by the originator when the transfer is in the `PROCESSING` state. It is used is used to identify the transfer in the ACH network.
Payment Related Information	Both	Contains payment-related information provided by the originator of the transaction. It can include free-form text, structured data, or codes. The field supports alphanumeric characters, including the following symbols: ! " & ' ( ) * + , - . / : ; ? = % ~ @ [ ] { } \ \| < > # $. Example: RMRIV0123456789**999.99\. This information may or may not be displayed to the recipient, based on the bank's capabilities, and method of access (i.e., online banking, statement, etc.) Maximum length: 80 characters.
Same Day	Orig	OriginatedACHTransfer only A flag that indicates the desire to process this transaction using same-day ACH.

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