ClickSwitch FAQS

What is ClickSWITCH?

ClickSWITCH is an automated account switching solution that makes it easy for you to quickly and securely switch your recurring direct deposits and automatic payments from your previous financial institution account to your PFCU account.

How Does ClickSWITCH Work?

ClickSWITCH removes the hassle of contacting all of your billers and depositors to inform them of your new account information. Simply input your payment and direct deposit information, submit the switch and ClickSWITCH will do the rest. You can monitor the progress of your switches by clicking on the “View Existing Switches” on the home screen of your Dashboard.

Is ClickSWITCH Secure?

Yes. ClickSWITCH uses the latest in online encryption protection to gather and store your switch information. Additionally, ClickSWITCH adheres to the highest industry standards with regard to the security of your personal information.

Does ClickSWITCH open my new PFCU Account?

ClickSWITCH is a free service that is included when you open an account with PFCU. You can open an account online or visit your nearest PFCU branch to open a new account.

Getting Started with ClickSWITCH is Easy.
Simply Follow One of the Steps Below:

1. Teller Net:
• Log into Teller Net.
• Go to the eServices tab and click ClickSWITCH.
• Verify your information and click Save.
• Read and accept the Terms of Use Agreement and you are ready to make switches. Click on the desired tab, follow the instructions to create and submit your switches and ClickSWITCH will take care of the rest!
2. ClickSWITCH Welcome Email:
• Contact a PFCU Member Service Representative at 215-934-3500 or 800-832-PFCU (outside the metropolitan area), stop by any of our PFCU branches, or fill out our ClickSWITCH Form to receive a ClickSWITCH Welcome email.
• When you receive your ClickSWITCH Welcome email, click the “Start New Switch” button and to access your ClickSWITCH Portal.
• Type in the last four digits of your PFCU account number that’s associated with your ClickSWITCH enrollment and click the “Verify Now” button.
• Create your personal password, read and accept the Terms of Use and the E-Sign Agreement, then click the “Continue” button.
• Click on the desired tab, follow the instructions to create and submit your switches and ClickSWITCH will take care of the rest!
3. SwitchTRACK Code:
• In the event you don’t have an email, you will need to use a SwitchTRACK code to access your ClickSWITCH Portal.
• Stop by any of our PFCU branches to receive your SwitchTRACK code or contact a PFCU Member Service Representative at 215-934-3500 or 800-832-PFCU (outside the metropolitan area) to get your SwitchTRACK code mailed out to you.
• Once you have your SwitchTRACK code, go to the ClickSWITCH Portal, type in your SwitchTRACK code and click the “Activate Now” button.
• Create your personal password, read and accept the Terms of Use and the E-Sign Agreement, then click the “Continue” button.
• Click on the desired tab, follow the instructions to create and submit your switches and ClickSWITCH will take care of the rest!

How Long is my SwitchTRACK Code Valid?

Your SwitchTRACK code is valid for 90 days. If you never activated the service and your code expired, a new SwitchTRACK code would need to be generated for you.

My SwitchTRACK Code isn't Working, What Should I Do?

Please contact a PFCU Member Service Representative at 215-934-3500 or 800-832-PFCU (outside the metropolitan area) or visit any PFCU branch location for assistance with your SwitchTRACK code.

If I Forget my SwitchTRACK Code, Why Can't I Just Get My Original? Why Do I Need a New One?

If your original SwitchTRACK code was never activated (ex: no password was setup) and it hasn’t expired, you can use the original code. However, if your SwitchTRACK code was activated and a password was setup, and you no longer remember the password, you will need to get a new SwitchTRACK code generated for you.

How Do I Get a New Switchtrack Code?

You can visit any PFCU branch location or contact a PFCU Member Service Representative at 215-934-3500 or 800-832-PFCU (outside the metropolitan area) to get a new SwitchTRACK code generated.

What Do I Need to Start my Switch?

You’ll need to gather all of your automatic payment and direct deposit information to get your switches started. A previous statement is a great source of information for the automatic payments and direct deposits tied to an account.

What is an Automated Payment?

An automated 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.

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?

Submitting a switch typically takes less than 90 seconds.

What Should I Do if My Biller or Depositor is Not Listed in the ClickSWITCH Database?

As you type, a list of potential billers or depositors will appear. The first set of options are “ClickSWITCH Verified” (look for a green check mark) and are already in the ClickSWITCH database. If possible, it’s best to find a selection designated as verified.
If the biller or depositor you are looking for isn’t ClickSWITCH Verified, additional options are populated and displayed below the verified listings.

If the biller or depositor you are looking for is not on the list, select “Not here? Create a New Payee” or “Not here? Create a New Depositor” and fill in the information requested. ClickSWITCH will do the research and get the switch started. Whether you select a biller or depositor from the list or create a new payee or depositor, this company will be added to the database once the switch is submitted.

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.

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.

Which Address Should I use for My Biller and Depositor?

A large number of billers and depositors are already in ClickSWITCH. However, if ClickSWITCH doesn’t 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 an asterisk 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 click “Save and Continue Later”. It will save as an “Information Needed” status and you can log back in later when you have the required information.

Who Do I Contact if I Need Help Setting Up My Switches or if I Have Questions?

You can visit any PFCU branch location or contact a PFCU Member Service Representative at 215-934-3500 or 800-832-PFCU (outside the metropolitan area) for assistance.

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, 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?

ClickSWITCH displays the status for each automated payment or direct deposit on the home screen under the button titled “View Existing Switches”. 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.

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 business days or more, ClickSWITCH recommends contacting the company to confirm the switch is completed or check your account.

One of My Switches Has an “Action Needed” Status. What Does This Mean?

Occasionally, after you have submitted a switch for processing, ClickSWITCH’s 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.

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?

ClickSWITCH recommends 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 14 days after you initiate a switch.

Will I be Notified of Any Switch Updates?

If you provided an email address during enrollment and have allowed alert emails, you will receive switch updates via email. If not, you will need to log in to ClickSWITCH and view the switch status.

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 your ClickSWITCH Portal and click the correct tab in your Dashboard.

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.

Can I use Clickswitch to Switch My Beneficiaries?

No. ClickSWITCH is set up to help you switch your automatic payments and direct deposits. If you choose to designate beneficiaries for any new accounts, you will need to do this directly with PFCU.

I'm Having Technical Difficulties. Who Should I Contact?

Please contact a PFCU Member Service Representative at 215-934-3500 or 800-832-PFCU (outside the metropolitan area) or email service@pfcu.com if you have any difficulties.