ClickSWITCH makes it easy for you to quickly and securely switch your current online payments, automated payments and direct deposits from your existing financial institution's accounts to your new account at DCU. 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.
If you open your new checking account at a branch, we will provide you with a SwitchTRACK code to allow you to switch your current online payments, automated payments and direct deposits to DCU. You will use this code to log into ClickSWITCH and begin setting up your switches.
If you open your new checking account online, an email with instructions on how to access ClickSWITCH will be sent to you so that you can begin setting up your switches. It's that simple!
An automatic 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.
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.
ClickSWITCH is a service that is included when you open an account with DCU. For information on opening an account, please contact DCU's Information Center at 800.328.8797, visit a DCU branch, or select here to open an account.
ClickSWITCH takes the hassle out of moving automated payments and direct deposits to your new account. You input your payment and direct deposit information into our secure ClickSWITCH system and we'll get to work contacting all the billers to switch your payments over to your new DCU account. You can monitor progress and track status in the "Status" column.
DCU will provide you with a SwitchTRACK code when you open a new account at a branch. If you have misplaced your code, a new code will need to be generated. Please contact DCU's Information Center at 800.328.8797 or visit a DCU branch.
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.
You may contact DCU's Information Center at 800.328.8797 for assistance.
It can take anywhere from two weeks to 30 days for your online 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.
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.
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.
ACH payments may take up to 10 days to switch. If your switch shows 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.
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.
Your billing account number is required by the biller to ensure your identity and to update the account information in their system.
A number of billers are included in our system. If we do not have a billers' 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.
The time for each payment to switch varies depending on the type of payment, biller and the method needed to switch the payment. 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.
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 billers may not update the status in our system.
Yes, if you have opted in for notification emails, you will receive emails about the status of your switches throughout the process.
When logging into ClickSWITCH you’ll have the option to use Switch Assist or Switch Myself. With Switch Assist you can login in to your account at your previous institution 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.
You can easily add additional switches at any time! Simply log in to your ClickSWITCH account and click the "Create a Switch" link.
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.
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.
Please contact DCU's Information Center at 800.328.8797 or visit a DCU branch.