User experience

Overview

Direct deposit switch product (product=dds) can be useful for activating new checking accounts or redirecting part of user's paycheck to savings or investment accounts.

Citadel's Direct deposit product allows your users to switch all of their pay check or a portion of it to your company.

Direct Deposit Switch requires routing number, account number, user-friendly bank name and account type (checking or savings) to initiate Citadel Bridge.

User flow

When deciding on where to incorporate Citadel into your user flow take into account the data you already have about your users.

No employment info

When you don't have information about employer, user should be able to search for their current employer inside Citadel Bridge.

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Best practice is to send all users through Citadel Bridge to improve conversion and pull through rates.

Reach out to [email protected] for suggested UX and copy for direct deposit switch.

Known employer

When you have information about employer, you can use Search mapped companies endpoint to find company_mapping_id and skip employer search step.

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In case employer is not mapped we still recommend showing Citadel Bridge to all users.

Reach out to [email protected] for suggested UX and copy.

Successful connection

We recommend showing successful status and let user close the Bridge right after login (takes 5-10s on average). You would need to subscribe to Webhooks or poll Citadel's backend API to check the status of the direct deposit switch.

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The best practice is to send a notification to the user when their account was successfully switched.

Unsuccessful connection

If user was not able to connect their account, best practice is to present an alternative way of switching direct deposit by showing a manual form or another method.

Partial deposits switch

By default, we select full switch as an option for the user to confirm their direct deposit switch. Depending on the payroll provider, where split options are available, the user can select "Split paycheck" and "Split by percentage" and "Split by amount" within the Citadel Bridge.

User education

Citadel Bridge is a new way to partially switch direct deposit so majority of users connect their payroll account for the first time. To increase conversion rates we recommend educating your users about Citadel Bridge by explaining benefits and setting the right context before initializing Citadel Bridge.

Your app

Before showing Citadel Bridge, we suggest explaining how Citadel API works step-by-step and providing user the comfort that the process is private and secure.

Users need to understand how they can benefit from connecting their account. Explaining that they can instantly complete switch direct deposit instead of manually updating information with their employer or sending manual forms.

For examples reach out to [email protected].

Citadel Bridge

If explaining benefits and setting context doesn't fit into your application UI, you can use "How it works tutorial". Visit White labeling section in dashboard to enable the screen in Citadel Bridge.


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