Skip to main content
Deposit Switch (DDS) enables you to redirect customer paychecks to your bank account by updating their payroll direct deposit settings. The process is fully digital — customers connect their payroll account, and Truv handles the rest.
Try the demo — Run the Direct Deposit Switch demo to see deposit switching working end-to-end. Clone the demo app →

​
How it works

1

Customer connects payroll

The customer authenticates with their employer’s payroll system through Truv Bridge.
2

Configure deposit allocation

You specify how much of the paycheck to redirect: full, partial percentage, or a fixed dollar amount.
3

Truv updates the payroll system

Truv automatically updates the direct deposit settings with the customer’s payroll provider.
4

Deposits begin

Starting with the next pay cycle, the customer’s paycheck deposits to your bank.

​
Benefits

Instant Account Funding

Paychecks arrive automatically with no manual transfers

Customer Acquisition

Strong incentive for customers to switch primary banking

85%+ Coverage

Works with most US payroll providers

Fully Digital

No documents or manual forms needed

​
Allocation types

TypeDescriptionExample
entireFull paycheck100% of paycheck
percentPercentage of paycheck50% of paycheck
amountFixed dollar amount$500 per paycheck
Deposit Switch uses the User Token flow instead of Embedded Orders. This gives you direct control over the payroll connection and deposit allocation configuration.

​
Data coverage

​
Payroll Providers

Truv connects to payroll providers covering 85%+ of US employees:
ProviderCoverage
ADP~20% of US workers
Paychex~10% of US workers
WorkdayLarge enterprises
UKG (Kronos)Healthcare, retail
PaylocityMid-market
GustoSmall business
And 100+ more

​
API reference

Bridge Token

Create tokens for Truv Bridge

DDS Report

Deposit switch report

Link Details

DDS link detail report

Users

Create and manage users

​
Best practices

Starting with a partial deposit (e.g., 50%) reduces friction and increases conversion. Encourage full switching later once the customer is comfortable.
After a successful webhook, inform the customer that their direct deposit has been updated and when they can expect the first deposit.
Watch for task-status-updated webhooks to detect if the payroll provider rejects the change or the customer reverses it.

​
Next steps

Direct Deposit Switch Integration

Demo-first guide to implementing deposit switching

Bridge Widget Guide

Understand the User + Bridge Token integration flow