Direct Deposit

Narmi Banking integrates with Atomic and Pinwheel for direct deposit. Narmi Grow only integrates with Pinwheel for direct deposit.

Direct deposit in Narmi Banking and Narmi Grow is a secure and convenient way for your consumer users to automatically receive payments, such as their salary, tax refunds, or government benefits, directly into their accounts. By setting up direct deposit, they’ll have immediate access to their funds on payday, eliminating the need to visit the bank. For your institution, direct deposit reduces administrative costs, enhances security, and increases customer satisfaction and primacy.

Consumer users have two options for direct deposit in Narmi Banking: automated and manual.

• Automated – Narmi Banking integrates with Pinwheel or Atomic for automated direct deposit. These third-party vendors provide infrastructure that connects financial institutions and other businesses to consumer payroll data. Users grant Pinwheel or Atomic permission to connect directly to their payroll platform, enabling automatic updates to their direct deposit information without leaving the banking app.

• Manual –  Users can copy their onscreen account number and routing number to manually update their payroll portal, or elect to download a pre-filled direct deposit form to submit to their employer.

Go to Narmi Banking Direct Deposit User Flow to see the process.

Direct deposit in Narmi Grow is available for financial institutions using Narmi Grow only (without Narmi Banking). New account holders can securely switch their primary income source as soon as they open an account. Powered by our partner Pinwheel, this feature enables new customers to set up direct deposit directly from the approval screen of the Narmi Grow flow. Go to Narmi Grow Direct Deposit User Flow to see the process.

Direct Deposit Configuration

To enable direct deposit, please contact your Narmi Relationship Manager. They will also configure the eligible product types for direct deposit (e.g., checking, savings, etc.).

After direct deposit is enabled, your institution has control over the following settings:

Narmi Banking Settings

From Narmi Command, under Configurations > Institution settings:

• Direct Deposit Provider – The provider for direct deposit in Narmi Banking. The following options are:

  • pinwheel to use our Pinwheel integration for automated enrollment, plus manual enrollment

  • atomic to use our Atomic integration for automated enrollment, plus manual enrollment

  • none for manual enrollment only.

• Direct Deposit Manual Enrollment Email Template (optional) – The email sent when a user successfully downloads a direct deposit form in Narmi Banking. This includes an attachment with the Direct Deposit Enrollment Form PDF.

• Direct Deposit Authorization (optional) – The authorization text shown above the customer's signature on the manual Direct Deposit Enrollment Form.

• Direct Deposit Disclaimer (optional) – The disclaimer text shown below the customer signature on the manual Direct Deposit Enrollment Form.

Narmi Grow Setting

From Narmi Command, under Configurations > Institution settings:

• CAO Direct Deposit Provider – The provider for direct deposit in Narmi Grow. The following options are:

  • pinwheel to use our Pinwheel integration for automated enrollment

  • none for no direct deposit

From Narmi Command under Account Opening > Product List Manager:

• Metadata – To customize the direct deposit number, add the following values to the Metadata section:

  • { "hide_direct_deposit_number": true } – To hide the direct deposit number for a product on the Narmi Grow approval page

  • {"direct_deposit_suffix":"##"} – To add a suffix to the direct deposit number for a product, which displays on the Narmi Grow approval page. In the example below, both settings are added, separated by a comma, and the suffix is 70.

    

    The suffix displays on the Narmi Grow approval page.
    
    

Narmi Banking Direct Deposit User Flow

Consumer users follow these instructions to set up direct deposit in Narmi Banking:

1. On the web app, go to Tools > Direct deposit.

   

   On the mobile app, go to More > Direct deposit.

   

   You can also set up a Guide that includes a direct deposit step. Guides prompt users to complete key actions from the web dashboard or mobile home screen, ensuring they unlock the full value of your banking services. Your staff can easily create and manage these targeted guides in Narmi Command, adding other tasks such as downloading the mobile app and enrolling in paperless statements. For more information, go to About Guides.

   

2. On the page that appears, there are two direct deposit options:
   

   We’ll do it for you (Automated)

   This option allows users to automatically set up their direct deposit by searching for a provider and logging in with their credentials.

   a. Select Find a provider to find an employer, payroll provider, or unemployment agency.

   

   b. On the dialog box that appears, select Get started.

   

   c. Start typing in the Search all box to find a provider. Some businesses use payroll service providers, so users may need to search for a payroll provider if the company name is not found.

   

   d. Log in by entering the provider credentials. Select Continue.

   

   e. A confirmation appears when preferences are updated. Select Return to [institution name] to close the dialog box.

   

   I’ll do it myself (Manual)

   This option allows users to obtain their account number and routing number, which they can use to manually update their payroll information or download a pre-filled direct deposit form to submit to their employer.

   a. Select the account to deposit funds into, then copy the routing number and account number to manually update a payroll portal.
   Alternatively, select Fill out direct deposit form to download a Direct Deposit Enrollment Form in *.PDF format.

   

   b. If Fill out direct deposit form is selected, a dialog box appears to enter the employer’s name and choose how much of the check to deposit: Entire paycheck, Percentage, or Value. After entering the percentage or value, select Continue.

   

   c. Next, select Download form to save the Direct Deposit Enrollment Form in PDF format.

   

   A confirmation message appears, and a confirmation email with the form is sent to the user. Go to Direct Deposit Configuration for instructions on editing this email template.

   An example of the form is shown below:

   

Narmi Grow Direct Deposit User Flow

Direct deposit in Narmi Grow is for institutions that use Narmi Grow only (not Narmi Banking).

New account holders follow these instructions to set up direct deposit in Narmi Grow:

1. On the account opening approval screen, select Set up direct deposit.
   

2. On the dialog box that appears, select Get started.
   

3. Start typing in the Search all box to find a provider. Some businesses use payroll service providers, so users may need to search for a payroll provider if the company name is not found.
   
   

4. Log in by entering the provider credentials. Select Continue.
   
   

5. A confirmation appears when preferences are updated. Select Return to [institution name] to close the dialog box.