Already have a SwitchTRACK code? Click here to get started.
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 Neighbors Credit Union 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.
Frequently Asked ClickSWITCH Questions
Is this how I open my new account?
ClickSWITCH is a service that may be offered to assist you in switching your accounts when you open an account with Neighbors Credit Union. Please call 314-892-5400 or go to your local branch for information on opening a new account.
How does ClickSWITCH work?
ClickSWITCH takes the hassle out of moving your automated payments and direct deposits to your new Neighbors Credit Union 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 account. You can monitor progress and track status in the “Status” column.
What do I need to start my switch?
Getting started with ClickSWITCH is easy! You’ll need the SwitchTRACK code provided to you when you opened your new Neighbors Credit Union account, or you can activate your ClickSWITCH account through the welcome email you received. You’ll need to gather all of your automated payments and direct deposit information to get your switches started. A previous statement is a great source for information on the automated payments and direct deposits tied to an account.
Where do I get a SwitchTRACK code?
Your financial institution will provide you with a SwitchTRACK code when you open a new Neighbors Credit Union account. If you opened your account online, please reference the ClickSWITCH documents for details and instructions, including your SwitchTRACK code. If you opened your new account in a branch, please ask your Member Service Representative for your SwitchTRACK code.
How long will it take for me to switch my payments?
Timing for each payment switch can vary depending on the type of payment, biller and the method needed to switch the payment. Online banking bill payments are switched instantly. Automated 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 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 be completed directly with them. In these cases, they may not accept our switch request, in which case you will want to reach out to them directly.
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 a 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 websites.
How long does it take to 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.
Can I switch a payment if I don’t have the billing information?
You need at least some billing information to switch the payment, as billers require certain information to confirm your identity and complete the switch. Your name, biller’s name and account number are required. For some billers, an address and phone number will populate automatically; however, if the biller is not in our database, we’ll need you to provide the biller’s address and phone number as well.
What if I want to submit additional switches later?
You can easily add additional switches any time! Simply log back into your ClickSWITCH account and resume your session.
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.
My SwitchTRACK code isn’t working; what should I do?
Please contact a Neighbors Credit Union Representative for assistance with your SwitchTRACK code.
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 with regard to security of your personal information.
How do I get help setting up my switches?
You may contact a Member Service Representative at Neighbors Credit Union for assistance.
What is an automated payment?
An automated payment (or ACH) is a regular, ongoing electronic funds transfer, 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.
How should I gather the payments that need to be switched?
ClickSWITCH will help you switch all of your automated payments. Simply gather your paper bills or online statements that include the billers’ names and addresses, account numbers with your billers and due dates. This is all the information you need to start the switch process!
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’m having technical difficulties. Who should I contact?
Please contact a Member Service Representative at Neighbors Credit Union for assistance.