What is ClickSWITCH?
How does ClickSWITCH work?
ClickSWITCH removes the hassle of contacting all of your billers and depositors to inform them of your new NIHFCU account information. You input your payment and direct deposit information to our ClickSWITCH system, submit the switch and we’ll do the rest. You can monitor the progress and switch status in the “Status” column on your Dashboard.
Is ClickSWITCH secure?
Who do I contact if I need help setting up my switches or if I have questions?
How do I log in and get started?
My SwitchTRACK code isn’t working; what should I do?
What do I need to start my switch?
What is an automatic payment?
An automatic payment is a regular, ongoing payment that is initiated externally to your 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 an organization directly into your account. These could include payroll direct deposits, government direct deposits (Social Security, Disability, etc.) and dividend direct deposits from investment accounts.
How long will it take for me to submit a switch request?
Once a switch has been submitted, when does a company receive the information?
How long will it take for my switch to be complete?
Once a company receives the form, automatic payment and direct deposit switches typically take 5-15 business days. Since the timeframe depends on the company receiving the switch request, it’s always a good idea to review your switch status page for the most current information regarding each switch and to continue monitoring your accounts. Timing for each switch can vary depending on the type of payment or deposit, the biller or depositor and the method needed to switch the payment or deposit.
Do I need to call my billers and depositors to confirm the switch?
We display the status for each automatic payment or direct deposit in the Status column. If a switch shows as “Completed” there’s no need to contact the biller or depositor. For switches that are marked as “Mailed” for more than 15 business days, you may want to contact the biller or depositor to confirm the status and see if the company needs additional information.
Why do I need to enter my billing account number or other specific information?
Which address should I use for my biller and depositor?
A very large number of billers and depositors are already in our system for you to simply point and click. However, if we do not have a company’s address, please use the address that is indicated on the payment confirmation or statement the company sends you. You can also typically find the address displayed in the Help or Contact Us areas of the company’s website.
What if I don’t have the information required to submit a switch?
If a field has a red line on the right, this information is required in order for the switch to be submitted. If you are in the middle of a switch, you can “Save” it. It will save as an “Information Needed” status and you can either log back in later when you have the required information or contact a Service Credit Union representative for help.
How do I know if my payment or deposit 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 or depositor will display a “Completed” status. Switches that are still in process will display a “Mailed” status. For switches that have a mailed status for 15 days or more, we recommend contacting the company to confirm the switch is completed or check your account.
What if I forget to include an automatic payment or direct deposit when submitting my switches?
What if my switch isn’t completed and 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 systems.
When is it safe to move/remove funds from my prior account?
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 the company requires you to update your banking information with them online. When this happens, your switch will show an “Action Needed” status. You may also see an “Action Needed” status if the switch is rejected for other reasons. To see the details of the action you need to take, you can click on the Edit icon in the Actions column.
Will I be notified of any switch updates?
What is Switch Assist?
Can I use ClickSWITCH to switch my bill payments?
Since bill payments are not automatically recurring, you’re not able to use ClickSWITCH for them. You will see a list of your bill payments in the automatic payment tab when you’re logged in to Switch Assist and can download this list to use as reference when creating bill payments at your new financial institution.