A secure, easy, and free way to switch your checking account to GECU.
It can be overwhelming to switch your checking account to a different financial institution. From filling out countless forms to contacting payees, the process can take a tremendous amount of time and even be a bit scary. After all, what if you forget something with your direct deposit or automatic payments?
ClickSWITCH takes the hassle, frustration, and guesswork out of the equation so you can quickly and securely move recurring payments and direct deposits to your GECU checking account – all with the click of a mouse. It’s fully automated, convenient, and submitting takes as little as 10 minutes!
What can I switch?
Direct Deposits such as payments from your employer, investment income, retirement/pension, and government direct deposits (ex. Disability or Social Security).
Automatic Payments to companies where you have an automatic electronic payment established (ACH). An automatic payment is a regular, ongoing payment that is electronically drafted from your checking account, including payments for:
- Utilities (electric, gas, water, cable, internet)
- Cell Phone
- Auto Club (AAA)
- Health Club
- Credit Card Payments
- Mortgage/Rent Payments
- Auto Loan/Lease
- Insurance (home/rental, auto, life/health)
- Charitable Donations
- Student Loan Payments
Use Bill Pay Elsewhere? With ClickSWITCH you can download the list of all your scheduled bill pays so you don’t forget anything when setting them up in our Bill Pay (accessible via Online Banking and our mobile app).
To open your account and get started with ClickSWITCH:
How does ClickSWITCH work?
Input your payment and direct deposit information into the secure ClickSWITCH system and ClickSWITCH will contact your billers to switch your payments over to your GECU account. You can monitor progress and track status in the Status column.
Is ClickSWITCH secure?
Yes! ClickSWITCH uses the latest online encryption protection to gather and store your switch information. Additionally, their mailing facilities adhere to the highest security standards with your personal information.
Who do I contact if I need help setting up my switches or if I have questions?
We’re here to help! Stop by a branch or contact us at: 513.243.4328/800.542.7093.
Where do I get a SwitchTRACK code?
You will be provided a SwitchTRACK code when you are enrolled in ClickSWITCH at one of our branches.
My SwitchTRACK code isn’t working; what should I do?
No problem! We can get you a new SwitchTRAK code. Simply, contact Member Services at: 513.243.4328/800.542.7093.
What do I need to start my switch?
Previous statements are a great source of information for the automatic payments you want to switch. For direct deposit switches you may need your new account number and routing number.
What is an automatic payment?
An automatic payment 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 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 my first switch request?
Submitting a switch typically takes less than 90 seconds.
Once a switch has been submitted, when does a company receive the information?
Switches are processed and sent out within 24 hours of the switch being submitted.
How long will it take for my switch to be complete?
- Once a company receives the form from the ClickSWITCH team, 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?
Companies require specific information to ensure your identity and to update the account information in their system.
Which address should I use for my biller and depositor?
A large number of billers and depositors are already in our system. 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 log back in later when you have the required information.
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?
You can easily submit additional switches any time! Simply log in to your ClickSWITCH account and click the correct tab in your Dashboard.
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?
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.
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?
If you provided an email address during enrollment and have allowed alert emails in your account settings, you will receive switch updates via email. If not, you will need to log in to ClickSWITCH and view the switch status.
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 through Bill Pay in Online Banking.