Direct deposit

/hcm/me/banking is where you tell AxisSynapse which bank account (or accounts) to deposit your net pay into. AxisSynapse supports multi-account allocation by percentage OR flat amount, and runs a NACHA prenote (zero-dollar test transaction) against every new account before live deposits begin — so you know the routing / account combination is valid before your paycheck is at stake.

TL;DR — Open HCM → Me → Banking. Click Add bank account, enter routing + account, choose allocation (percentage or flat). Save. AxisSynapse sends a prenote; you can use the account on the next payroll run after the prenote verifies (typically 2-3 business days).

Before you start

• Have your routing number (9 digits, US) and account number ready. Both are on a check or accessible in your online banking.
• Decide your allocation: 100% to a single account is fine. Multiple accounts can split by percentage (must total 100%) or flat amounts with a "remainder" account capturing the rest.
• For multi-account: identify which account should be the remainder holder. After flat-amount accounts are paid, every remaining cent goes there.

Add a bank account

1. 1

   Open HCM → Me → Banking

   Your current account list is shown with allocation, account type, and prenote status.

2. 2

   Click "Add bank account"

   A drawer collects the new account's details.

3. 3

   Enter routing number

   9 digits. AxisSynapse validates the checksum and looks up the bank name from the routing.

4. 4

   Enter account number twice

   Both copies must match — entered separately to catch typos. Numbers are masked (****-1234) once saved.

5. 5

   Pick account type

   Checking or savings. Some employers require checking for the primary account; the form names that constraint if applicable.

6. 6

   Pick allocation type

   Percentage of net pay OR flat amount per pay period. Mix both across accounts if needed.

7. 7

   Submit

   A NACHA prenote is sent overnight to verify the account. The audit log records HCM_BANK_ACCOUNT_ADDED and HCM_BANK_ACCOUNT_PRENOTE_SENT.

8. 8

   Wait for verification

   Within 2-3 business days the prenote returns. On verify, your account becomes Active for the next payroll. On reject, the detail surfaces the reason (closed account, invalid routing, etc.).

Allocation patterns

The prenote step

NACHA prenotes are zero-dollar test transactions that the originating bank sends to the receiving bank. The receiving bank either accepts (account exists) or rejects (closed, frozen, invalid). AxisSynapse sends one with every new account; until you have a verified prenote, the account is Pending and won't receive deposits.

Edit or remove an account

1. 1

   Click the account in the list

   The detail card slides in.

2. 2

   Edit allocation

   Update the allocation type / amount. The change emits HCM_BANK_ACCOUNT_ALLOCATION_UPDATE.

3. 3

   Remove account

   Removes the account from your allocation. If it was the only account, you'll be prompted to add a replacement before payroll runs again — without an active account, payroll holds your deposit and HR pays you via paper check.

Every field, explained

How this is recorded

Every change to your direct-deposit allocation — adding an account, removing one, adjusting the split, the bank's prenote verification — is recorded against your account so HR + Payroll can reconcile any deposit dispute. Read your own feed at Account → Audit.

Common gotchas

• "I added an account but the next paycheck still went to the old one." The prenote must verify first. Payroll runs deposit to currently-Active accounts; until your new account is Active, the old allocation continues.
• "My percentages don't add to 100." The save fails. Adjust until they total exactly 100 (use the remainder account if you want the math to work out automatically).
• "My prenote was rejected." The detail shows the reason. The most common is a typo'd account number; remove and re-add.
• "I want to delete the only account I have." AxisSynapse asks you to add a replacement first. Without an active account, payroll defaults to paper check; HR is notified.
• "I see two prenote rows for one account." Re-adds and rotations send a new prenote each time. Only the latest matters for active state.

Troubleshooting