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Pinwheel Deposit Switch

Seamlessly automate direct deposit switching

Grow lifetime value, increase retention and profitability, and become your customers’ primary financial institution.

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The most comprehensive direct deposit switching solution yet

Create a customized user experience, monitor direct deposit allocations, and give users more deposit switching options.

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Engage users with customizable user experience optimized for conversion.

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The most comprehensive direct deposit switching solution yet

Create a customized user experience, monitor direct deposit allocations, and give users more deposit switching options.

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Understand your share of wallet with direct deposit allocation monitoring and get real-time alerts when allocations change.

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The most comprehensive direct deposit switching solution yet

Create a customized user experience, monitor direct deposit allocations, and give users more deposit switching options.

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Give your customers full control over their paycheck by allowing them to switch their entire paycheck, a specific amount, or percentage.

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The most comprehensive direct deposit switching solution yet

Create a customized user experience, monitor direct deposit allocations, and give users more deposit switching options.

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Dynamic adaptation of the user flow to ensure compatibility between payroll service providers, including government agencies and small businesses.

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offline deposit switch processaccount switching explained through infographic

The most comprehensive direct deposit switching solution yet

Create a customized user experience, monitor direct deposit allocations, and give users more deposit switching options.

checkmark icon

Engage users with customizable user experience optimized for conversion.

deposit settings infographic with the application screens

The most comprehensive direct deposit switching solution yet

Create a customized user experience, monitor direct deposit allocations, and give users more deposit switching options.

checkmark icon

Understand your share of wallet with direct deposit allocation monitoring and get real-time alerts when allocations change.

successfulk deposit switch infographic with a mans image and application responsse data

The most comprehensive direct deposit switching solution yet

Create a customized user experience, monitor direct deposit allocations, and give users more deposit switching options.

checkmark icon

Give your customers full control over their paycheck by allowing them to switch their entire paycheck, a specific amount, or percentage.

successful deposit switch notification

The most comprehensive direct deposit switching solution yet

Create a customized user experience, monitor direct deposit allocations, and give users more deposit switching options.

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Gracefully fall back to offline direct deposit switching when an integrated digital solution isn't possible.

Both digital and offline direct deposit switching

Implement automated direct deposit switching in just days

Simplify the direct deposit switching process for your customers with a UX that leads in conversion. Choose from optimized Pinwheel Link interfaces for your app and leverage the same enterprise-grade payroll connectivity platform.
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Many interfaces, one Pinwheel, fully customizable.
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The API to grow deposits and increase profits

Become the final destination of your customer’s paycheck and build long-term client relationships.

Unique approach to data

The first step to becoming your customer’s primary financial provider is capturing the direct deposit.

53%

of millennials and 64% of baby boomers say their primary financial provider is the institution where they receive their direct deposit.

According to our research, customers who direct deposit into an account have a 32x greater LTV than customers who do not.

Quality team and technology

Automating the deposit switch process improves the customer experience.

39%

of consumers consider direct deposit setup to be the most in-demand mobile account opening feature, calling it “extremely valuable”.

93% of U.S. workers are paid by direct deposit.

Market-leading coverage

Consumers are moving their money — make it easy for them to choose you as their financial provider.

27%

of consumers moved some of their funds from their primary financial institution to another provider.

46% of U.S. workers are looking for a new bank. Here's how to capture them.

We've compiled our learnings from helping companies capture more direct deposits in less time. Beat the competition and download Pinwheel's ultimate guide to automated direct deposit switching.

Download now ➔
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3X industry average coverage
99.9% uptime
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First CRA in the industry

The API that delivers meaningful results

Leading banks and fintechs are using Pinwheel to boost direct deposit growth.

20%

Direct deposit penetration growth for a top 5 neobank, one month after implementing Pinwheel’s API.

75%

Potential increase in direct deposits.

34%

Conversion rates.

Leading wealth management firm partners with Pinwheel to take its wealth-building solutions to the next level

Leading wealth management firm partners with Pinwheel to take its wealth-building solutions to the next level

With the help of Pinwheel, a top wealth management fintech replaced manual direct deposit switching with an automated process for millions of users.

Read more ➔

The Pinwheel Advantage

Launch earned wage access

Paired with Pinwheel Earnings Stream, you can incentivize customers to become eligible for earned wage access by switching their direct deposit to you.

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Unparalleled coverage

Pinwheel is the only payroll data connectivity API that connects to both 1,600 payroll platforms and the top 40+ time & attendance systems. Our solutions cover 80% of U.S. workers, including 25 million hourly workers.

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Dynamic adaptation

We've built the user flow to ensure compatibility between payroll service providers, including government agencies and small businesses.

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Direct deposit allocation monitoring

Understand your share of wallet with direct deposit allocation monitoring and get real-time alerts when allocations change.

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Ready to discover what Pinwheel can do for you?

Get in touch to explore Pinwheel’s solutions across direct deposit switching, income and employment verification, earned wage access, and more.
Request demo