> ## 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.

# Deposit Switch

> Automatically switch customer direct deposit to your bank

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.

<Tip>
  **Try the demo** — Run the [Direct Deposit Switch demo](/banking/integration/dds) to see deposit switching working end-to-end. [Clone the demo app →](https://github.com/truvhq/demo-apps)
</Tip>

***

## How it works

<Steps>
  <Step title="Customer connects payroll">
    The customer authenticates with their employer's payroll system through Truv Bridge.
  </Step>

  <Step title="Configure deposit allocation">
    You specify how much of the paycheck to redirect: full, partial percentage, or a fixed dollar amount.
  </Step>

  <Step title="Truv updates the payroll system">
    Truv automatically updates the direct deposit settings with the customer's payroll provider.
  </Step>

  <Step title="Deposits begin">
    Starting with the next pay cycle, the customer's paycheck deposits to your bank.
  </Step>
</Steps>

***

## Benefits

<CardGroup cols={2}>
  <Card title="Instant Account Funding" icon="bolt">
    Paychecks arrive automatically with no manual transfers
  </Card>

  <Card title="Customer Acquisition" icon="users">
    Strong incentive for customers to switch primary banking
  </Card>

  <Card title="85%+ Coverage" icon="percent">
    Works with most US payroll providers
  </Card>

  <Card title="Fully Digital" icon="mobile">
    No documents or manual forms needed
  </Card>
</CardGroup>

***

## Allocation types

| Type      | Description            | Example            |
| --------- | ---------------------- | ------------------ |
| `entire`  | Full paycheck          | 100% of paycheck   |
| `percent` | Percentage of paycheck | 50% of paycheck    |
| `amount`  | Fixed dollar amount    | \$500 per paycheck |

<Note>
  Deposit Switch uses the **User Token flow** instead of Embedded Orders. This gives you direct control over the payroll connection and deposit allocation configuration.
</Note>

***

## Data coverage

### Payroll Providers

Truv connects to payroll providers covering 85%+ of US employees:

| Provider      | Coverage            |
| ------------- | ------------------- |
| ADP           | \~20% of US workers |
| Paychex       | \~10% of US workers |
| Workday       | Large enterprises   |
| UKG (Kronos)  | Healthcare, retail  |
| Paylocity     | Mid-market          |
| Gusto         | Small business      |
| And 100+ more |                     |

***

## API reference

<CardGroup cols={2}>
  <Card title="Bridge Token" icon="key" href="/api-reference/bridge-token/object">Create tokens for Truv Bridge</Card>
  <Card title="DDS Report" icon="file-lines" href="/api-reference/deposit-switch/link_detail_reports_dds">Deposit switch report</Card>
  <Card title="Link Details" icon="link" href="/api-reference/deposit-switch/link_detail_reports_dds">DDS link detail report</Card>
  <Card title="Users" icon="user" href="/api-reference/users/object">Create and manage users</Card>
</CardGroup>

***

## Best practices

<AccordionGroup>
  <Accordion title="Start with partial allocation" icon="chart-pie">
    Starting with a partial deposit (e.g., 50%) reduces friction and increases conversion. Encourage full switching later once the customer is comfortable.
  </Accordion>

  <Accordion title="Confirm the switch with the customer" icon="check-circle">
    After a successful webhook, inform the customer that their direct deposit has been updated and when they can expect the first deposit.
  </Accordion>

  <Accordion title="Monitor for status changes" icon="webhook">
    Watch for `task-status-updated` webhooks to detect if the payroll provider rejects the change or the customer reverses it.
  </Accordion>
</AccordionGroup>

***

## Next steps

<CardGroup cols={2}>
  <Card title="Direct Deposit Switch Integration" icon="code" href="/banking/integration/dds">
    Demo-first guide to implementing deposit switching
  </Card>

  <Card title="Bridge Widget Guide" icon="key" href="/developers/integration/bridge-widget/overview">
    Understand the User + Bridge Token integration flow
  </Card>
</CardGroup>