Direct deposit set up

Direct deposit helps you earn more when you automatically send eligible recurring income, such as paychecks, Social Security payments, or other regular deposits, into your Flourish Cash^† account. Direct deposit reduces the need to make manual transfers or keep extra cash in a separate, low-yield account.

By combining direct deposit with the power of automating funds to be pulled for payments, Flourish Cash can become the financial hub from which you manage everyday cash. Income can flow in, supported bills can be pulled from the account, and your cash earns a high yield in between.

Set up direct deposit

How to set up direct deposit

Set up direct deposit in a few steps:

Log in to your Flourish account
In the right list of action items, click "Set up direct deposit"
In the popup, select the Flourish Cash account you'd like to use for direct deposit
Click "Next" to view the transfer account number and routing number for your selected account
Submit the information to your payroll provider. Typically, this means logging in to your payroll provider website and searching for direct deposit settings or submitting the letter directly to your HR team

How to set up direct deposit with Pinwheel

Some people may be able to connect through our Pinwheel integration, if supported by their employer or payroll provider, by following the steps below:

Log in to your Flourish account
In the list of action items on the right, click "Set up direct deposit"
In the popup, click "Automatic set up"
Click "Get started" on the screen that says 'Switch your direct deposit'
Search for either your payroll provider or employer and click "Continue." For some employers, you will have to select among different payroll provider options
Enter credentials for your account as required by your payroll provider or employer
(Optional) If your institution requires multi-factor authentication, you may be required to authenticate and then click "Log in"
(Optional) If you have multiple Flourish Cash accounts, you will be directed to indicate which account you'd like to set up for direct deposit
(Optional) Select either 'Full paycheck' or 'Partial paycheck' for direct deposit. Please note that not all providers offer the option for partial paycheck deposit
If partial paycheck deposit is available, select the Amount, Percentage, or Remainder tab and specify the value and click "Confirm." Please note that not all providers offer all three options
You're all set! Your funds will be automatically deposited into your account in 1-2 pay cycles, depending on the provider

What is direct deposit?

Direct deposit allows eligible recurring income, such as a paycheck, Social Security payment, or other regular deposit, to go directly into your Flourish Cash account.

Why would I set up direct deposit into Flourish Cash?

Direct deposit can help reduce the need to move money manually from another account. Once funds arrive in Flourish Cash, they can be available for your cash needs and positioned to earn.

What types of income can I direct deposit?

Common examples include paychecks, Social Security payments, pension payments, or other recurring income. Availability may depend on the payer.

When will my first deposit arrive?

Your first deposit may take one or more pay cycles to begin arriving in Flourish Cash, depending on your employer, payroll provider, or payer.

Can I deposit only part of my paycheck?

In many cases, yes. Some payroll providers allow you to split your paycheck across multiple accounts. Availability depends on your employer or payroll provider.

Can I change or stop direct deposit later?

Yes. You can update or stop direct deposit through your payroll provider.

Will my advisor be notified when I set up direct deposit?

Your advisor can help you decide how Flourish Cash fits into your broader cash strategy, but the specific setup steps are completed by you. When viewing account details, your advisor will see that you have direct deposit enabled, in accordance with your consent to such sharing.

Graphic-1 If you have any additional questions, please reach out to our Client Support team and they'll be happy to help.

About Flourish

Flourish builds technology that empowers financial advisors, improves financial lives and retirement outcomes, and delivers new and innovative investment options to advisors. Today, the Flourish platform is used by more than 1,200 wealth management firms representing more than $2.6 trillion in assets under management. Flourish is wholly-owned by MassMutual. For more information, visit www.flourish.com.

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Flourish’s offerings are provided by different entities and are subject to different terms, investor protections, and risks. Flourish Cash is offered by Flourish Financial LLC, a registered broker-dealer and FINRA member. Flourish Financial LLC is not a bank. Check the background of Flourish Financial LLC and its personnel on FINRA's BrokerCheck. Flourish Annuities refers to the annuity platform operated by Flourish Technologies LLC and to Flourish Insurance Agency LLC (doing business in California under the name Flourish Digital Insurance Agency), and, where applicable, Flourish Financial LLC. Flourish Lending is offered by SoraFinance, Inc. (d/b/a Flourish Lending), a licensed mortgage broker (NMLS #2355841). SoraFinance, Inc. is not a lender. To verify SoraFinance, Inc., visit NMLS Consumer Access. The Flourish entities mentioned above are all wholly-owned subsidiaries of Flourish Holding Company LLC. Please review the Legal section of our website for more information and account terms. The role of the investment advisor or other firm that invited you to Flourish may vary between different Flourish services and products, as further described in your terms of service. © 2026 Flourish. All rights reserved.

† A Flourish Cash account is a brokerage account offered by Flourish Financial LLC, a registered broker-dealer and FINRA member. Flourish Financial LLC is not a bank. Check the background of Flourish Financial LLC and its personnel on FINRA's BrokerCheck. The cash balance in a Flourish Cash account will be swept from the brokerage account to deposit account(s) at one or more third-party Program Banks that have agreed to accept deposits from customers of Flourish Financial LLC. The accounts at Program Banks will pay a variable rate of interest.