> ## Documentation Index
> Fetch the complete documentation index at: https://docs.truv.com/llms.txt
> Use this file to discover all available pages before exploring further.
# Direct Deposit Switch
> Switch customer direct deposits to your bank using the Deposit Switch demo
Switch a new customer's paycheck deposit to your bank by embedding Truv Bridge in your application. The customer connects their payroll provider, selects an allocation, and Truv handles the deposit switch automatically.
**Integration pattern:** [Bridge Widget](/developers/integration/bridge-widget/overview) (User + Bridge Token flow) | **Products:** DDS | **Demo:** [Direct Deposit Switch](/developers/demos/retail-banking/direct-deposit-switch)
***
## Get started
Clone and run the [Direct Deposit Switch demo](/developers/demos/retail-banking/direct-deposit-switch) to see the full direct deposit switch flow working locally.
```bash theme={null}
git clone https://github.com/truvhq/demo-apps.git
cd demo-apps
npm install && npm start
```
Open `http://localhost:5173`, select **Retail Banking > Deposit Switch**, and walk through a switch using sandbox credentials (`goodlogin` / `goodpassword`).
See [full setup instructions](/developers/quickstarts-overview#demo-apps) for ngrok and environment configuration.
The demo follows this sequence:
1. **Create a user** — Your server calls [POST /v1/users/](/api-reference/users/users_create) to create a Truv user.
2. **Create a bridge token** — Your server calls [POST /v1/users/{id}/tokens/](/api-reference/bridge-token/users_tokens) with `product_type: "deposit_switch"` and an `account` object containing your bank's account details and allocation preferences.
3. **Initialize Bridge** — Your frontend opens [Truv Bridge](/developers/sdks/overview) with the `bridge_token`. The customer connects their payroll provider and confirms the deposit switch.
4. **Receive webhooks** — Truv sends a `task-status-updated` [webhook](/api-reference/webhooks) with status `done` when the switch completes. Verify the signature using the `X-Webhook-Sign` header with HMAC-SHA256.
5. **Retrieve the report** — Fetch the deposit switch confirmation with [GET /v1/users/{user_id}/deposit\_switch/report/](/api-reference/dds-reports/dds-report-retrieve).
Each step maps to a specific file in the demo. Use these as reference when building your integration.
| Step | Demo file | API reference |
| --------------------- | -------------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------- |
| User creation | [`server/routes/bridge.js`](https://github.com/truvhq/demo-apps/blob/main/server/routes/bridge.js) | [POST /v1/users/](/api-reference/users/users_create) |
| Bridge token creation | [`server/routes/bridge.js`](https://github.com/truvhq/demo-apps/blob/main/server/routes/bridge.js) | [POST /v1/users/{id}/tokens/](/api-reference/bridge-token/users_tokens) |
| Bridge initialization | [`src/demos/DepositSwitch.jsx`](https://github.com/truvhq/demo-apps/blob/main/src/demos/DepositSwitch.jsx) | [Bridge SDK](/developers/sdks/overview) |
| Webhook handling | [`server/webhooks.js`](https://github.com/truvhq/demo-apps/blob/main/server/webhooks.js) | [Webhooks](/api-reference/webhooks) |
| Report retrieval | [`server/routes/user-reports.js`](https://github.com/truvhq/demo-apps/blob/main/server/routes/user-reports.js) | [DDS report](/api-reference/dds-reports/dds-report-retrieve) |
***
## Configure account details
Pass your bank's account details in the `account` object when creating the bridge token. These fields tell Truv where to route the customer's paycheck.
| Field | Required | Description |
| ---------------- | -------- | ---------------------------------------------------------------------------- |
| `account_number` | Yes | Your bank account number (4-20 digits) |
| `routing_number` | Yes | Your bank routing number (8-12 digits) |
| `bank_name` | Yes | Your bank's display name |
| `account_type` | Yes | `checking` or `savings` |
| `deposit_type` | No | Allocation type: `entire`, `amount`, or `percent` |
| `deposit_value` | No | Amount or percentage (required when `deposit_type` is `amount` or `percent`) |
***
## Set allocation type
Control how much of the customer's paycheck routes to your bank. Choose one of three allocation types.
| Allocation | `deposit_type` | `deposit_value` | Behavior |
| ------------- | -------------- | ------------------------------- | ----------------------------------- |
| Full paycheck | `entire` | Not required | Routes the entire paycheck |
| Fixed amount | `amount` | Dollar amount (e.g. `"500.00"`) | Routes a specific dollar amount |
| Percentage | `percent` | Percentage (e.g. `"50"`) | Routes a percentage of the paycheck |
### Full paycheck
```json theme={null}
{
"account_number": "16002600",
"routing_number": "123456789",
"bank_name": "Your Bank",
"account_type": "checking",
"deposit_type": "entire"
}
```
### Fixed amount
```json theme={null}
{
"account_number": "16002600",
"routing_number": "123456789",
"bank_name": "Your Bank",
"account_type": "checking",
"deposit_type": "amount",
"deposit_value": "500.00"
}
```
### Percentage
```json theme={null}
{
"account_number": "16002600",
"routing_number": "123456789",
"bank_name": "Your Bank",
"account_type": "checking",
"deposit_type": "percent",
"deposit_value": "50"
}
```
***
## Next steps
Full implementation guide for the User + Bridge Token flow
Test deposit switching in sandbox
Handle task-status-updated and other webhook events
Retrieve deposit switch confirmation reports