Capture Direct Deposit in 2 Clicks

Our direct deposit API accelerates primary day one with frictionless direct deposit switching. We achieve the industry’s best conversion rates with the only fully credential-less solution and first-of-its-kind, real-time income data sharing.

30% more depsoit switches in head-to-head tests with competitors
2× better conversion vs last-generation solutions
Ecosystem of over 17,000 partners, covering 100% of U.S. payroll scenarios

Talk to our team

Trusted By:
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Credit karma
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Credit karma
“By integrating with Pinwheel, we are ensuring our users have the best possible experience when managing their direct deposits and finances.”
Money Lion
“Pinwheel’s best-in-class direct deposit switching solution beat competitors by over 30% in a head-to-head test, underscoring Pinwheel’s market position as the industry’s top converting deposit switch solution.”
Financial Plus Credit Union
“At Pinwheel, collaboration is at the heart of everything we do. Each and every voice is not just heard, but genuinely valued for bringing their own unique perspective.”
Meriwest Credit Union
"It's a transformational powerhouse that's going to wow our members."
Citadel Credit Union
"After evaluating 4 different solutions, Pinwheel was the only to eliminate the friction points common across other providers."
Security Bank of Kansas City

See Deposit Switching in action

Tap through an interactive demo to explore how you can embed deposit switching directly into account opening, helping capture primacy from day one while driving faster activation, higher funding rates, and stronger long-term engagement.
See how you can embed deposit switching directly into account opening, helping capture primacy from day one while driving faster activation, higher funding rates, and stronger long-term engagement.

Pinwheel PreMatch

Pinwheel confirms eligibility instantly, automatically identifies payroll, and securely authorizes the switch with MFA—no searching, no PII entry, and no payroll credentials required.

PreMatch is the next generation deposit switch

Instant payroll record identification using existing bank account information
Automatic login authorized with user-provided MFA
Industry leading coverage, including exclusive partnerships with prominent payroll providers
Proprietary conversion algorithm delivering the industry's best performance rates

Pinwheel PreMatch

Payroll provider search required
Payroll provider search required
~50M Americans
Delivers 30% more switches in head-to-head tests

Atomic CoAuth

Payroll provider search required
PII entry required to login without credentials
~28M Americans
Delivers 30% more switches in head-to-head tests

Win primacy

Pinwheel customers have achieved results including:

+
11
%
AVG Balance Value
-
65
%
Time to 1st Deposit
+
14
%
Lifetime Value
Getting started is easy

Let’s talk about how Pinwheel can deliver game-changing results for your acquisition funnel.

Book a meeting