> ## 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.
# Retail Banking
> Direct deposit switching and paycheck-linked lending for banks and fintech
Truv helps banks and fintech companies acquire customers through direct deposit switching and enable paycheck-linked lending for loan repayment.
Automatically switch customer direct deposit to your bank
Automatic loan repayment from paycheck
Connect to most US payroll providers
Changes take effect on next pay cycle
***
## Quick start
Run the demo app to see deposit switching end-to-end, then follow the integration guide to build it into your app. [Clone the demo app →](https://github.com/truvhq/demo-apps)
***
## What you can do
**Use cases:**
* New account funding
* Customer acquisition
* Payroll deposit capture
**How it works:**
1. Customer connects their payroll account
2. Truv updates direct deposit settings
3. Next paycheck deposits to your bank
**Use cases:**
* Consumer loan repayment
* Earned wage access repayment
* Subscription collection
**How it works:**
1. Customer authorizes payroll deduction
2. Set repayment amount (fixed or percentage)
3. Payment automatically deducted each pay period
***
## Integration: User Token Flow
**Deposit Switch and Paycheck Linked Lending use the [Bridge Widget](/developers/integration/bridge-widget/overview) flow** (User + Bridge Token). Other verification use cases use [Embedded Orders](/developers/integration/embedded-orders/overview).
***
## How it works
### Deposit Switch Flow
```mermaid theme={null}
sequenceDiagram
participant Customer
participant Your App
participant Truv
participant Payroll
Customer->>Your App: Open new account
Your App->>Truv: Create bridge token
Truv-->>Your App: bridge_token
Your App->>Customer: Show Truv Bridge
Customer->>Truv: Connect payroll
Truv->>Payroll: Update direct deposit
Payroll-->>Truv: Confirmed
Truv-->>Your App: Webhook: task-status-updated (done)
Note over Payroll: Next paycheck deposits to your bank
```
### Paycheck Linked Lending Flow
```mermaid theme={null}
sequenceDiagram
participant Borrower
participant Your App
participant Truv
participant Payroll
Borrower->>Your App: Accept loan terms
Your App->>Truv: Create bridge token
Truv-->>Your App: bridge_token
Borrower->>Truv: Connect payroll
Your App->>Truv: Configure PLL deduction
Truv->>Payroll: Set up deduction
Note over Payroll: Each pay period
Payroll->>Your App: Deduction sent
```
***
## Implementation timeline
| Integration Method | Timeline | Code Required |
| --------------------------- | --------- | ------------- |
| **Deposit Switch** | 2-4 weeks | Moderate |
| **Paycheck Linked Lending** | 2-4 weeks | Moderate |
***
## Get started
* Acquiring deposits? --> [Deposit Switch](/banking/products/dds)
* Loan repayment? --> [Paycheck Linked Lending](/credit/products/pll)
Switch customer deposits to your bank
Set up paycheck-linked loan repayment
Test with sandbox credentials before going live
***
## Next steps
Implement deposit switching
Complete API documentation
Talk to our banking solutions team
[support@truv.com](mailto:support@truv.com)