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. Setting up 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 flows in, bills are paid, 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 list of action items on the right side of the screen, click "Set up direct deposit"
Select the Flourish Cash account you'd like to use for direct deposit in the pop-up window
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 information directly to your HR team

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.

How long does setup take?

Many clients can complete automatic setup via Pinwheel in just a few minutes. Timing may vary depending on the payroll provider or 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 system.

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.

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

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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.