ClickSWITCH Frequently Asked Questions
What is ClickSWITCH™?
ClickSWITCH is a free, online tool that makes it easy for Two River Community Bank personal checking account holders to quickly and securely consolidate recurring payments and direct deposits. ClickSWITCH removes the hassle of contacting multiple billers to make changes and helps ensure you don’t miss a payment when you change financial institutions.
How does ClickSWITCH work?
After you have received a SwitchTRACK code from a Two River Community Bank representative, simply input your payment and direct deposit information into Two River Community Bank’s secure ClickSWITCH system to have your billers and direct depositors notified of your switch to your Two River Community Bank account. You can monitor the progress of your switches on the “Status” tab, so you’ll know exactly when each payment has been switched and you can move the funds to your account.
Where do I get a SwitchTRACK code?
We will provide you with a SwitchTRACK code when you open a new personal checking account or request a code for your existing personal checking account. Just visit or call your local Two River Community Bank branch to get started. Then visit tworiverbank.clickswitch.com to input your SwitchTRACK code.
What do I need to start my switch?
Getting started with ClickSWITCH is easy. Once you have your SwitchTRACK code, gather your automated payments and direct deposit information to get your switches started at tworiverbank.clickswitch.com. A previous bank statement can be a helpful source for reviewing existing automated payments and direct deposits.
How long will it take for me to switch my payments?
Timing for each switch will vary depending on the biller, the type of payment, and the method needed to switch the payment. Online banking bill payments are generally switched instantly. Other automated payments typically take between 7-10 days to switch. It’s always a good idea to review your switch status page for the most current information about each switch.
Do I need to call my billers to confirm the switch?
We display the status for each automated payment and direct deposit on the Status tab. If a switch shows as “Completed,” there is no need to contact the biller. For switches that are “Pending” for more than 10 days, you may want to contact the biller to confirm the status.
What should I do if a switch still shows as pending?
Automated ACH payments may take up to 10 days to switch. If your switch has been “Pending” for more than 10 days, you may want to contact the biller to confirm the switch or to see if the biller needs additional information.
Why do I need to enter my billing account number?
Your billing account number is required by the biller to verify your identity and to update the account information in their system.
Which address should I use for my biller?
A large number of billers already have an appropriate address 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 for my biller to update my payment account?
Timing for each payment to switch will vary depending on the biller, the type of payment, and the method needed to switch the payment. Online banking bill payments are generally switched instantly. Automated ACH payments and direct deposits typically take between 7-10 days to switch. It’s always a good idea to review 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 click on the “Status” tab 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 “Pending” status. For switches that have been pending for 10 days or more, we recommend contacting your biller to confirm the switch is completed, as some billers may not update the status in our system.
Can I switch a payment if I don’t have the billing information?
You need to provide at least your name, the biller’s name and your account number with the biller to get started. For some billers, an address and phone number will populate automatically. However, if the biller is not in our database, you will be asked to provide the biller’s address and phone number.
What if I forget to include a payment in my switches?
You can easily add additional switches any time. Simply log into your ClickSWITCH account and click the “Start a New Switch” button.
What if my switch isn’t completed and I miss a payment?
Monitoring your switch status is an important part of moving your account. We recommend keeping enough money in your old account to cover each payment until the switch status for that payment has changed to “Completed,” or until you have 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 your local branch for assistance.
Is ClickSWITCH secure?
Yes. ClickSWITCH uses the latest in online encryption protection to gather and store your switch information.
How do I get help setting up my switches?
We are happy to help you set up your switches. Please contact your local branch for assistance.
What is an automated payment?
An automated payment (or ACH) is a regular, ongoing payment that is initiated externally to your bank account, like 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!
Can I switch payments from multiple financial institutions? How?
Yes, you can switch payments from any financial institution using ClickSWITCH. Simply enter your other financial institution account details in the “My Profile” tab. When setting up your switches, choose which financial institution account the payments or deposits are switching from in the account drop-down menu.
When is it safe to move/remove funds from my prior account?
We recommend keeping enough money in your old account for approximately 30 days, to cover each payment until the switch status is “Completed.” This is especially important for any payments that might be due within 14 days after you initiate a switch.
I’m having technical difficulties. Whom should I contact?
We are happy to help! Please contact your local branch for assistance.