How do I set up direct deposit?

Have Reoccurring Payments Directly Deposited Into Your inPOWER Card Account

With your inPOWER Prepaid Mastercard® you can have funds directly deposited into your account, and available on your card up to 2 days earlier than with a traditional paper check1.

It's easy to get started:

  • Download the XtraPOWER by PAYOMATIC Mobile App
  • Log in and link your inPOWER Prepaid Mastercard
  • From the Navigation bar, tap on My Cards
  • Tap Direct Deposit
  • Tap Get Started
  • Read through the disclaimer and confirm that the correct inPOWER card is linked in the Mobile App. Then tap START DIRECT DEPOSIT
  • Read the Pinwheel disclaimer and tap Continue.
    • PAYOMATIC used Pinwheel to process your direct deposit change request securely & safely.
  • Choose your employer or payroll provider.
    • You can filter by Popular, Employer, Payroll, or Gig
    • You can also enter the payroll provider or employer in the Search bar
    • For NY Unemployment, use the Search bar and enter New York Unemployment
    • For Social Security (Retirement Survivors & Disability benefits only) use the Search bar and enter Social Security
    • For SSI (Supplemental Security Income) you will need to call 1-800-772-1213 and provide your inPOWER Routing & Account number and request to edit your SSI direct deposit
  • Log in to your payroll provider account.
  • Set your Direct Deposit Allocation and tap continue.
    • The options for direct deposit setup are.
      • Full paycheck
        • The entire paycheck amount will be direct deposited to the inPOWER card.
        • Some payroll providers do not allow partial direct deposit. In this case, you will only see a Full paycheck as an option for the setup
      • Partial paycheck - Amount
        • You can enter an amount to be directly deposited to the inPOWER card. Example: $100
      • Partial paycheck - Percentage
        • You can enter the % of the check to be directly deposited to the inPOWER card. Example: 50%
      • Partial paycheck - Remainder     
        • This can be used if you already have a partial direct deposit set up to another account. Choosing Remainder will send the remainder of the paycheck to be directly deposited to the inPOWER card.    
  • Review and confirm your Direct Deposit Allocation and tap Confirm.
  • After you confirm your allocations, the request is sent to your payroll provider, and if it is accepted, you will see a Success Screen
    • Sometimes, if the payroll provider did not accept the direct deposit change request you may see an Error response. In this case, you should print the Direct Deposit form, fill it out and provide it to your employer to set up Direct Deposit.
    • Sometimes you will see a Pending response. This response means that the payroll provider received the direct deposit request but has not provided a response. You will receive a message in the app once a response is received from your payroll provider.

If enrollment through the XtraPOWER Mobile App is not available for your payroll provider, follow these steps:

  • Download the Direct Deposit form. Download form here.
  • Fill it out with your details.
  • Bring it to your employer or benefits provider.

You can use our Direct Deposit service for:

  • Regular paychecks
  • Social Security benefits
  • Unemployment benefits
  • Disability benefits
  • Pensions
  • Veteran’s benefits
  • Federal tax refund
  • Child support payments
  • Any reoccurring, non-personal check deposit

 What are the benefits of enrolling in direct deposit with my inPOWER Prepaid Mastercard®?

  • Get your money up to 2 days earlier1
  • There is no check cashing, or load fees with direct deposit--the money goes right onto your card.
  • Flexibility: You can decide how much of your paycheck you want deposited

 Learn more about direct deposit:

What card number should I use for direct deposit?

How long does it take for my check to direct deposit onto my card?

What bank and routing number should I use for direct deposit?

Should I mark "checking" or "savings" on my employer/benefit provider's direct deposit form?

Can I direct deposit my Federal Tax Refund onto my card?


                                 Download Direct Deposit Form Here


  1 Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct Deposit and earlier availability of funds is subject to payer’s support of the feature and timing of payer’s funding.

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