EasySwitch FAQs

Switching your direct deposit means updating where your paycheck is sent. Instead of your pay going to your previous bank account, it will be deposited into your PFCU account or split between accounts, if you prefer. We handle this change directly with your employer's payroll system, so you don't have to track down forms or contact HR yourself.

Yes. Your data is encrypted in transit and at rest, and is used solely to complete your direct deposit update. We follow industry-standard security practices and never sell or share your personal information with third parties.

Most users complete setup in just a few minutes. Once submitted, the change typically takes effect within 1–2 pay cycles depending on your employer's payroll processing schedule.

In most cases, your updated direct deposit will be active within 1–2 pay cycles. Exact timing depends on your employer's payroll cutoff dates. If your change is submitted after a cutoff, it may not take effect until the following cycle.

A Remainder Switch keeps all of your existing paycheck allocations (such as savings contributions or split deposits) exactly as they are, and redirects only the remaining portion of your paycheck to your PFCU account. If you have no existing allocations, a Remainder Switch works the same as a Full Switch, your entire paycheck goes to the new account.

A Full Switch redirects your entire paycheck to your PFCU account, replacing any previously set direct deposit destination. This is the simplest option if you want all of your pay going to one place.

You can update your direct deposit at any time by going through the setup flow again.

No. Our tool communicates directly with your employer's payroll system, so there's no need to fill out paper forms or reach out to Human Resources separately.

Yes. Many employers support split deposits, which let you divide your paycheck between two or more accounts. For example, sending a fixed amount to savings and the rest to checking. You can set this up during the flow.

If we're unable to connect to your employer's payroll system, we'll let you know during setup. In that case, you can use the direct deposit form or update your direct deposit directly with your HR or payroll department using your new account details.

If you run into an error you can’t resolve, you can still complete your direct deposit switch in one of two ways: use the direct deposit form, or give your new account details to your HR or payroll department directly.