What is ClickSWITCHTM?
ClickSWITCH makes it easy for you to quickly and securely switch your current online bill payments, automated payments and direct deposits from your existing financial institution accounts to your new account. ClickSWITCH removes the hassle of contacting all your billers to make changes and helps ensure you don’t miss a payment when you change financial institutions.
What is an automatic payment?
An automated payment (or ACH) is a regular, ongoing payment that is initiated externally to your bank account, such as a monthly insurance bill, utility payment or automobile loan payment.
What is a direct deposit?
A direct deposit is any payment that you receive from a person or organization directly into your account. These include payroll direct deposits, government direct deposits (Social Security, Disability, etc.) and dividend direct deposits from investment accounts.
Is this how I open my new bank account?
ClickSWITCH is a service that is included when you open an account with a new financial institution. Please visit your financial institution’s website or your local branch for information on opening a new account.
How does ClickSWITCH work?
ClickSWITCH takes the hassle out of moving automated payments and direct deposits to your new account. You input your payment and direct deposit information in to our secure ClickSWITCH system and we’ll get to work contacting all the billers to switch your payments over to your new account. You can monitor progress and track status in the “Status” column.
Where do I get a SwitchTRACK code? What happens if I misplace my SwitchTRACK code or my SwitchTRACK code isn’t working?
Your financial institution will provide you with a SwitchTRACK code when you open a new account. If you opened your account online, please reference the ClickSWITCH documents for details and instructions, including your SwitchTRACK code. If you have misplaced your code, a new code would need to be generated. Please contact your new account representative for assistance.
Is ClickSWITCH secure?
Yes! ClickSWITCH uses the latest in online encryption protection to gather and store your switch information. Additionally, our mailing facilities adhere to the highest industry standards in regard to security of your personal information.
How do I get help setting up my switches?
You may contact your representative from the financial institution of your new account for assistance.
How long will it take for me to switch my payments?
It can take anywhere from two weeks to 30 days for your automatic payments, direct deposits, etc. to get switched depending upon the financial institution, merchant, or organization involved. It’s always a good idea to review your switch status page for the most current information regarding each switch.
Do I need to call my billers to confirm the switch?
We display the status for each automated payment or direct deposit in the “Status” column. If a switch shows as “Completed” there’s no need to contact the biller. For switches that are marked as “Mailed” for more than 10 days, you may want to contact the biller to confirm the status.
Does ClickSWITCH work with Direct Deposit?
Yes. Indicate the type of direct deposit you want to switch and complete the required information.
Please note: some employers and government agencies require direct deposit switches to be completed directly with them. In these cases, they may not accept our switch request.
What should I do if a switch still shows as mailed?
Automated ACH payments may take up to 10 days to switch. If your switch has a “Mailed” status for more than 10 days, it’s a good idea to contact the biller to confirm the switch or to see if the biller needs additional information.
One of my switches has an “Action Needed” status. What does this mean?
Occasionally, after you have submitted a switch for processing, our research team determines that particular biller requires you to update your banking information with them online. When this happens, your switch will show an “Action Needed” status. To see the details of the action you need to take, you can click on the Edit icon in the Actions Column.
Why do I need to enter my billing account number?
Your billing account number is required by the biller to ensure your identity and to update the account information in their system.
Which address should I use for my biller?
A number of billers are included in our system. If we do not have a biller’s address, please use the address that is indicated on the payment confirmation or statement the biller sends you. You can also find most billers’ payment addresses displayed in the Help or Contact US areas of their website.
How long does it take for my biller to update my payment account?
The time for each payment to switch varies depending on the type of payment, biller and the method needed to switch the payment. Online banking bill payments are switched instantly. Automated ACH payments and direct deposits typically take between 7-10 days to switch, but can be faster with certain billers. It’s always a good idea to check your switch status page for the most current information about each switch.
How do I know my payment has been switched?
The easiest way to check the status of a switch is to look at the “Status” column of your ClickSWITCH account. Switches that have been completed and confirmed by your biller will display a “Completed” status. Switches that are still in process will display a “Mailed” status. For switches that have a mailed status for 10 days or more, we recommend contacting your biller to confirm the switch has been completed, as some biller may not update the status in our system.
Will I receive any email notifications when using ClickSWITCH?
Yes, if you have opted in for notification emails, you will receive emails about the status of your switches throughout the process.
Should I gather the payments that need to be switched?
When logging into ClickSWITCH you’ll have the option to use Switch Assist. With Switch Assist you can login in to your prior account and the system will show you all of your automatic payments, direct deposits and bill pay items. You can make these switches directly from the system. You also have the option of using Switch Myself, if you’d prefer to use this method, simply gather your paper bills or online statements that include the biller’s name and addresses, account numbers with your billers and due dates.
What if I forget to include one of my switches?
You can easily add additional switches at any time! Simply log into your ClickSWITCH account and click the “Create a Switch” link.
What if my switch isn’t completed or I miss a payment?
Monitoring your switch status is an important part of moving your account. It is advisable to keep enough money in your old account to cover each payment until the switch status for that payment has changed to “Completed,” or you’ve confirmed with your billers that your payment account information is updated in their system.
When is it safe to move/remove funds from my prior account?
We recommend keeping enough money in your old account to cover each payment until the switch status is “Completed.” This is especially important for any payments that might be due during the 14 days after you initiate a switch.
I am having technical difficulties. Who should I contact?
Please contact the financial institution representative of your new account for assistance.