Do you still have accounts at another financial institution? Maybe you’ve been putting off making the switch to Monroe County Community Credit Union because you have direct deposits coming in, automatic payments going out, or you just don’t want to deal with the hassle that comes with closing an account. Whatever the reason, MCCCU’s ClickSWITCH service takes the hassle out of switching your account to Monroe County Community Credit Union!
- Take your direct deposit, withdrawal, and bill payment information and switch it over from your accounts elsewhere to your accounts with us.
- Send a formal letter to your former financial institution requesting they close your account and send you the funds.
Don’t put off making the switch to MCCCU any longer! Just stop by the Credit Union and a Member Relationship Specialist will move everything over for you in a matter of minutes. Switching financial institutions has never been so quick and easy!
Check out our ClickSWITCH page! To get a SwitchTRACK code, stop by any MCCCU branch and speak with a Member Relationship Specialist.
What is ClickSWITCH?
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 MCCCU. ClickSWITCH removes the hassle of contacting all of the businesses you make payments to helps ensure you don't miss a payment when you change financial institutions.
How do I start using ClickSWITCH?
If you open a new account at an MCCCU branch, we will provide you with a SwitchTRACK code which will allow you to switch your current online payments, automated payments and direct deposits to MCCCU. You will use this code to log into ClickSWITCH and begin setting up your switches. It's that easy!
What is an automatic payment?
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 loan payment.
What is a Direct Deposit?
A Direct Deposit is any payment 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.
Does ClickSWITCH open my new account at MCCCU?
ClickSWITCH is a service that is included when you open an account with MCCCU. For information on opening an account, please contact MCCCU's Contact Center at 734.242.3222 or visit your favorite MCCCU branch.
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 into our secure ClickSWITCH system and we'll get to work contacting all the billers to switch your payments over to your new MCCCU account. You are able to track the status of the SWITCH in the "Status" column by logging in with your SwitchTRACK code on our ClickSWITCH site.
Where do I get a SwitchTRACK code? What happens if I misplace my SwitchTRACK code or my SwitchTRACK code isn't working?
MCCCU will provide you with a SwitchTRACK code when you start the process of bringing your accounts over to us. If you have misplaced your code, a new code will need to be generated. Please contact MCCCU's Contact Center at 734.242.3222 or visit your favorite MCCCU branch.
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?
How long will it take for me to switch my payments?
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.
Do I need to call businesses 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 business. For switches that are marked as "Mailed" for more than 10 days, you may want to contact the business to confirm the status.
Does ClickSWITCH work with Direct Deposit?
Yes! You'll just need to 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?
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 business to confirm the switch or to see if the business needs additional information.
One of my switches shows an "Action Needed" status. What does this mean?
Occasionally, after you have submitted a switch for processing, our research team will determine that a particular business will require 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 business accounts?
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.
How long does it take for a business to update my payment account?
The time for each payment to switch varies depending on the type of payment, business the payment is coming from, 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 businesses. 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 billers 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.
What information do I need to start setting up switches?
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.
What if I forget to include one of my switches?
You can easily add additional switches at any time! Simply log in to 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 over to MCCCU. 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 MCCCU's Contact Center at 734.242.3222 or stop in to talk to a Member Service Representative at one of our branches.
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