The industry's leading direct deposit switch

2X better conversion
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.

Dee Choubey,
CEO & Co-Founder, MoneyLion
Learn more  ➔

Industry leading conversion

Pinwheel Deposit Switch covers 100% of U.S. payroll scenarios with flexible switch methods across our network of 17k+ partners.

Pinwheel PreMatch
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Pinwheel PreMatch, achieves the industry's best conversion rates with the  only 100% credential-less solution. Our latest innovation is made possible by first-of-its-kind, real-time income data sharing via our proprietary network of payroll partners.
I-9 match eliminates need for user-entered payroll credentials and reduces fraud
Personalization drives intent
Frictionless UX increases conversion 2X
Up to 40% coverage
Pinwheel NativeLink
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Our device-enabled solution increases conversion and enhances security by leveraging saved passwords or biometrics to authenticate a user's payroll record from their personal device.
20%-30% conversion lift
65% faster new account funding
30 day implementation
Up to 85% coverage
Pinwheel Forms
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For exception scenarios not available for automated processing, we make customer switches easier with ready to submit, pre-filled forms.
Easier, more intuitive process improves NPS
Form pre-fill decreases errors
Works for every exception scenario
100% coverage
Pinwheel Core
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We revolutionized the Direct Deposit Switch experience with our flagship product, Pinwheel Core. This omnichannel solution is proven to improve NPS and is available on desktop, on device, and in branch.
20% conversion lift
65% faster new account funding
30 day implementation
Pinwheel Prime
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Our next generation product, Pinwheel Prime, achieves the industry's best conversion rates with the  only 100% credential-less solution. Our latest innovation is made possible by first-of-its-kind, real-time income data sharing via our proprietary network of payroll partners.
I-9 match eliminates need for user-entered payroll credentials and reduces fraud
Personalization drives intent
Frictionless UX improves conversion

Pinwheel PreMatch

Pinwheel PreMatch, achieves the industry's best conversion rates with the  only 100% credential-less solution. Our latest innovation is made possible by first-of-its-kind, real-time income data sharing via our proprietary network of payroll partners.

I-9 match eliminates need for user-entered payroll credentials and reduces fraud
Personalization drives intent
Frictionless UX increases conversion 2X
Up to 40% coverage

Pinwheel NativeLink

Our device-enabled solution increases conversion and enhances security by leveraging saved passwords or biometrics to authenticate a user's payroll record from their personal device.

20%-30% conversion lift
65% faster new account funding
30 day implementation
Up to 85% coverage

Pinwheel Forms

For exception scenarios not available for automated processing, we make customer switches easier with ready to submit, pre-filled forms.

Easier, more intuitive process improves NPS
Form pre-fill decreases errors
Works for every exception scenario
100% coverage

Win primacy

Pinwheel customers have achieved results including:

+
11
%
AVG Balance Value
-
65
%
Time to 1st Deposit
+
14
%
Lifetime Value

PreMatch expands with Paychex partnership

PreMatch expands with Paychex, enabling 45M more Americans to switch direct deposit, credential-free. Watch the video and learn more here.

How PreMatch works

100% Credential-less Deposit Switch

See what's possible with first-of-its-kind income connectivity at account opening.

Identify
Verify
Personalize
Open account
Payroll record
Matched
Identity
Verified
I-9
Verified
Income
YTD earnings confirmed
Customer Value
High
Full pay check switched
$3,200
Incentive eligible
$250
Mortgage payment detected
$4,326

The differentiation in the Pinwheel experience made possible by the direct connections with payroll providers puts them in a class of their own for performance.

Gene Fichtenholz,
Meriwest Head of Digital Strategy and Engagement
Learn more  ➔

The differentiation in the Pinwheel experience made possible by the direct connections with payroll providers puts them in a class of their own for performance.

Gene Fichtenholz,
Meriwest Head of Digital Strategy and Engagement
Learn more  ➔

Results that speak for themselves

EECU conversion rate improves by over 50% with PreMatch

EECU implemented Pinwheel Deposit Switch with PreMatch in just 3 weeks and saw an immediate impact on conversion after switching to Pinwheel.
Read case study  ➔

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

After a competitive selection, we partnered with Pinwheel to bring this groundbreaking feature to our members. PreMatch delivers a frictionless experience, making direct deposit enrollment seamless and effortless.

John T. Decelle,
President & CEO, Nassau Financial
Learn more  ➔
Getting started is easy

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

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