Provider directory · Use case
Direct deposit switching
10 of the 24 providers assessed document direct deposit switching in their own public documentation. 1 publishes nothing that answers it; the rest do not offer it.
- Direction
- Write
- What it needs from payroll
- Write a deposit account into payroll, allocation by amount or percent, and confirmation of when it takes effect.
- Typical buyers
- Banks, neobanks, credit unions, card issuers.
Providers that document it
| Provider | Value | Conf | What the documentation says |
|---|---|---|---|
| Apideck Employer-permissioned unified APIs | bank_accounts on update | D | PATCH /hris/employees/{id} accepts bank_accounts (bank_name, account_number, account_name, account_type); connector support is not stated. Source |
| Argyle Consumer-permissioned payroll APIs | Yes — Link deposit switch | D | Accounts carry a direct_deposit_switch status (idle, awaiting_confirmation, scanning, updating, success, error), with Target Deposit Destinations and a direct_deposit_switches.completed webhook. The argyle.com deposit-switching solution page now redirects elsewhere. Source |
| Atomic Deposit and account switching | Yes — Deposit | D | Deposit: 'Update the destination bank account of paychecks', with flexible paycheck allocation. Source |
| DailyPay Earned wage access providers | Net pay to DailyPay account | D | Program terms hosted on dailypay.com (PNC EarnedIt programme) have the user agree 'to instruct your employer to direct all or some of your net pay to that account', with DailyPay conveying those instructions to the employer. Source |
| EarnIn Earned wage access providers | Switch to EarnIn account | D | For Early Pay, users move direct deposit to a Deposit Account with EarnIn's banking partner, 'automatically, by following the instructions to connect your payroll provider to our app', or with a pre-filled form given to the employer. Source |
| Kombo Employer-permissioned unified APIs | Workday-only write field | D | GET /hris/employees returns bank_accounts; the OpenAPI spec adds remote_fields.workday.bank_account on employee create/update, for Workday only. The write endpoint has no rendered doc page. Source |
| Pinwheel Deposit and account switching | Yes — full or partial switch | D | Full Switch replaces all allocations; Partial Switch supports fixed amount, percentage or remainder allocation. A pre-filled direct deposit form is the fallback when automation is not possible. Source |
| Q2 ClickSWITCH Deposit and account switching | Yes — automated DD switching | D | Q2 states account holders can move 'direct deposit information, recurring payments, and automated payments' 'in 90 seconds or less', and cites '<120 seconds for automated direct deposit switching'. A ClickSWITCH API page is listed in Q2's search results but returned 404 when fetched. Source |
| Truv Consumer-permissioned payroll APIs | Yes — entire / percent / amount | D | Deposit Switch 'enables you to redirect customer paychecks to your bank account by updating their payroll direct deposit settings', with allocation types entire, percent and amount. Source |
| Unified.to Employer-permissioned unified APIs | Yes — bank account write | D | Bankaccount has routing_number, account_number, account_type and is_primary ('primary for direct deposit'), with POST and PUT endpoints. Per-integration support could not be read. Source |
Providers where it is unverified
We looked and the provider publishes nothing that answers it. That is not the same as the capability being absent.
| Provider | What a correct answer needed |
|---|---|
| Payactiv | The developers page mentions 'direct deposit signals', but no deposit switching is described. |