How to Process 401K Employee Contributions Using Justworks and American Funds Part 2

Learn how to accurately enter and process 401(k) contributions, including calculating totals, entering payroll dates, and confirming transactions on the American Funds website.

January 22, 2026 By Cruz Matsuda

In this guide, we'll learn how to enter and confirm 401(k) contribution amounts using payroll data and online banking tools. We will review how to add totals from your payroll source, input the funding amount, and submit the contribution for processing. This process helps ensure your 401(k) contributions are recorded and tracked correctly.

Let's get started

In this guide, we'll learn how to enter and confirm 401(k) contribution amounts using payroll data and online banking tools. We will review how to add totals from different sources, verify the amounts, and submit the contribution for processing. This process helps ensure that your 401(k) contributions are recorded and tracked correctly.

Let's get started

Here, I will continue entering the 401 information. You can see my screen, where I am on the 401 contribution bank page. We will continue entering the amounts from the previous pay period.

Here, I will continue entering the 401 information. You can see my screen, where I'm on the 401 contribution bank page. We will continue entering the amounts from the previous pay period.

2

Type "227.69"

Step #4: Click on "10.00" — Click on "10.00"

6

Type "1200"

I will add the totals from the JustWork website for that pay period: 161.52, 227.69, 1,200, and 2,714.87. On my calculator, that adds up to $4,304.10.

We see that the amount matches the mutual fund bank page. I have entered the correct payroll date and will click Continue.

We see that the amount matches on the mutual fund bank page. I have already entered the correct payroll date, and I will click Continue.

Step #9: Click on "CONTINUE" — Click on "CONTINUE"

I will enter the funding amount, which is $4,304.10.

Step #10: Click on "0.00 $ 0.00" — Click on "0.00 $ 0.00"

12

Type "4304.10"

The contribution type has already been entered and selected by the employees, so I will continue.

The contribution type has already been entered in the edits and was chosen by the employees, so I will continue.

Step #14: Click on "CONTINUE" — Click on "CONTINUE"

On this page, I can choose to email myself a copy or simply submit.

Step #15: Click on "( Separate multiple email addresses with a comma" — Click on "( Separate multiple email addresses with a comma"

Once submitted, it will be processed. You will receive a summary of the contribution, and you can view its status on the American Funds website.

Step #17: Click on "SUBMIT" — Click on "SUBMIT"

Step #18: Click on "DONE" — Click on "DONE"

Once the funds have been withdrawn from the bank, it will be confirmed.

That is how I handle 401(k) contributions.