Business Banking Configuration
Create a business bank account
Each business entity must have a bank account in order for Nmbr to withdraw funds and disburse payroll. Multiple bank accounts can be added to a business entity, but one must be marked as primary. Only the primary account will be used for payroll debits. See Creating a bank account.Set up a Pre-Authorized Debit (PAD) Agreement
Before Nmbr can debit funds from a business entity’s bank account, the business entity must authorize this through a Pre-Authorized Debit (PAD) agreement. This must be completed before any payroll can be approved.Nmbr will block payroll approvals for business entities without an active PAD agreement. A PAD agreement can be submitted via the Nmbr API or in the Nmbr Portal.
Employee and Contractor Bank Accounts
Create employee or contractor bank accounts
Nmbr supports direct deposit to employees and contractors through linked bank accounts. Each employee or contractor can have multiple bank accounts configured, but only one can be marked as primary. See Creating a bank account.Missing bank accounts block payroll
If an employee or contractor does not have at least one valid bank account, their payroll will be blocked and must be resolved before proceeding. In such cases, you may either:- Add a bank account, or
- Update their pay stub’s
payment_methodto manual.
Primary Bank Accounts
Only one bank account per business entity, employee, or contractor can be designated as primary. This primary account is the one Nmbr will use for financial transactions. To mark an account as primary, include"is_primary": true in the request payload when creating or updating a bank account.
Pay Splits
Nmbr allows employees to split their pay across up to 7 bank accounts using either:- Percentage-based splits (e.g. 50% to Account A, 50% to Account B), or
- Fixed amount splits (e.g. $500 to Account A, remainder to Account B)
💡 NoteSee Creating a pay split.
A minimum of two accounts is required to use pay splits.
Percentage splits
All split percentages must add up to exactly 100%. Every account used in a percentage split must be explicitly assigned a percentage.Fixed amount splits
Each account is assigned a fixed dollar amount, except the final account which receives the remainder of the pay.- Do not specify an amount for the last account. It will receive what’s left after other accounts are paid.
- If the specified amount for an account exceeds the available net pay, Nmbr will skip that account and proceed with the remaining allocations.
Using Pay Splits
Pay splits must be assigned to work assignments. All payments for that work assignment will then follow the defined split. See Updating a pay split. If instead a pay split should be used for all of an employee’s work assignments, the pay split can be set asdefault. The pay split will then be used for all payments unless a specific assignment has its own split defined.
See Creating a pay split.