Pinwheel Direct Deposit Switching

Pinwheel Direct Deposit Switching makes it easy to move your paycheck to your nbkc account without paperwork or contacting your employer’s HR team. In just a few minutes, you can update where your pay is deposited using a secure, guided experience.

This service connects directly to your employer’s payroll system to complete the update on your behalf.

Key Benefits

• Fast setup – complete the process in minutes
• No paper forms or HR follow‑ups required
• Secure and private handling of your information
• Flexible options to move all or part of your paycheck
• Faster access to funds once your deposit is active

How It Works

1. Log in to your nbkc digital banking experience.
2. Select Direct Deposit Switching through the getting started content block or within the navigational menu.
3. Choose your employer and securely sign in to your payroll system.
4. Select how you’d like your paycheck deposited.
5. Submit - Pinwheel handles the rest.

Most changes take effect within 1–2 pay cycles, depending on your employer’s payroll timing.

Common Questions

What does it mean to switch my direct deposit?

Switching direct deposit means updating where your paycheck is sent. Instead of depositing into your previous bank account, your pay is deposited into your nbkc account—or split between accounts, if you choose. Pinwheel works directly with your employer’s payroll system so you don’t have to fill out forms or contact HR.

Is my information secure?

Yes. Your information is encrypted in transit and at rest and is used only to complete your direct deposit change. Data is not sold or shared with third parties.

How long does setup take?

Most users complete setup in a few minutes. Timing for the deposit to take effect depends on your employer’s payroll cutoff dates, but typically occurs within 1–2 pay cycles. You will need to submit the request for payroll switching 3 or more days before your payroll is processed.

What is a Full Switch?

A Full Switch moves your entire paycheck to your nbkc account, replacing any existing deposit arrangements.

What is a Remainder Switch?

A Remainder Switch keeps any existing paycheck allocations (such as split deposits or savings contributions) in place and redirects only the remaining amount to your nbkc account. If no allocations exist, it functions the same as a Full Switch.

Can I split my paycheck between multiple accounts?

Yes. If supported by your employer, you can divide your paycheck across multiple accounts (e.g., checking and savings) during the setup flow.

Split paycheck is not supported on retirement funds.

What if my employer isn’t supported?

If your employer’s payroll system isn’t supported, you’ll be notified during setup. You can then:

• Use Pinwheel’s direct deposit form, or

• Update your direct deposit directly with your employer using your nbkc account details.

   

What if I make a mistake or want to change it later?

You can update your direct deposit at any time by going through the setup flow again.

What should I do if I receive an error?

If an error occurs that you’re unable to resolve in the experience:

• Use Pinwheel’s direct deposit form as a fallback, or
• Update your direct deposit directly with your employer’s HR or payroll team.

Do I need to contact my employer or HR?

No. Our tool communicates directly with your employer's payroll system, so there's no need to fill out paper forms or reach out to HR separately.

Are there any type of payments or payroll that are not supported by Pinwheel?

Social Security Payments and Child Support Payments are not supported by Pinwheel.