# Deposit Switch
source: https://developer.mastercard.com/open-finance-us/documentation/experience-design-guide/deposit-switch/index.md

## What is Deposit Switch? {#what-is-deposit-switch}

Customers are expecting digital-first solutions more than ever. With Mastercard's Deposit Switch (powered by Atomic, a partner of Mastercard), financial institutions can accelerate direct deposit acquisition by enabling customers to easily switch their payroll deposit to a new account. Doing so digitizes manual processes and helps foster account primacy and customer engagement.

Deposit Switch lets customers skip the paper process and automatically change or set up their direct deposit by digitally connecting to their payroll system in real time from an app or website.
Warning: This product may not be used for purposes subject to the Fair Credit Reporting Act.

## Why is it important? {#why-is-it-important}

Today, customers using a traditional method to set up or switch direct deposit accounts encounter a process full of friction. For example, they must complete paperwork, manually enter account information (including account and routing number), wait for human resources to receive and process their request, and wait until the deposit is in their account. In addition, this arduous process increases the likelihood of fraudulent information sharing.

By using payroll direct deposit, consumers take advantage of their account funding options and solidify their banking relationships. In fact, setting up direct deposit was the most in-demand mobile account opening feature according to a 2022 survey of new checking accounts.

### Benefits for financial institutions: {#benefits-for-financial-institutions}

* Grow direct deposits and primary relationships via Deposit Switch that automates the process for setting up recurrent account funding.
* Increase lifetime customer value. Direct deposits are a major driver of account growth and profitability. Customers who switch their direct deposit have higher engagement rates with other products and services.
* Increase conversions and reduce abandonment rates with Deposit Switch.
* Incorporate deposit switching alongside the entire Mastercard Open Finance suite of account opening solutions for ease of discovery and adoption.

### Benefits for customers: {#benefits-for-customers}

* Provides automated direct deposit switching, which is one of the highest in-demand account funding options for US mobile account openings.
* Enables them, in most cases, to make changes without going through a human resources department.
* Gives them confidence knowing their paychecks are directed to the correct account safely and securely.

## UX flow example and best practices {#ux-flow-example-and-best-practices}

Tip: Access the [Figma file](https://www.figma.com/design/uYMCQNbIfasiOp8rwYDZlE/Deposit-Switch?node-id=0-1) for this experience to duplicate and customize in your own environment.

For the best viewing experience of app to app, click the **full screen mode** option or **zoom** using the controls located on the right.

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## How it works {#how-it-works}

For details of how to initiate the new Connect Transfer flow and obtain details of the deposit switches once created, see the [developer documentation](https://developer.mastercard.com/open-finance-us/documentation/products/pay/switch/deposit-switch/index.md).
Note: **Is customization available?**

Limited customizations are applicable in the current version of Deposit Switch.

* Supported Browsers:   
  iOS: Automatic Redirect: Safari   
  Redirect Button: Chrome, Edge, Firefox   
* Android:   
  Automatic Redirect: Chrome, Edge, Native Browser
Tip: If you have any questions or need assistance with the customer experience or development, [contact us](https://developer.mastercard.com/open-finance-us/documentation/support/index.md).

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Next: [Bill Pay Switch](https://developer.mastercard.com/open-finance-us/documentation/experience-design-guide/bill-pay-switch/index.md)