ClickSWITCH

Switch your Automatic Payments to TMECU in less than 10 minutes!

Introducing the fast, secure and free way to switch Automatic Payments and Direct Deposits. We know switching your accounts from one financial institution to another is time consuming and maybe even a little intimidating.  TMECU has made the entire process so easy you can complete it at home with just a few clicks!

What you can do with ClickSWITCH

  • Transfer direct deposits to your TMECU account
  • Notify your re-occurring debit payees of your new account information in one place
  • View and track your switch statuses’
  • Close your old accounts at other financial institutions
  • Request your personal SwitchTRACK code by giving us a call at 416-392-6868.
  • Log on to ClickSWITCH with a TMECU staff member to help you gather information and complete your signature.
  • Send out your Switches for direct deposits, automatic payments and account closures.
  • That’s it! ClickSWITCH takes care of the rest by generating account information forms and sending mails them out for you!

Get Started!

  • Request your personal SwitchTRACK code by giving us a call at 416-392-6868.
  • Log on to ClickSWITCH with a TMECU staff member to help you gather information and complete your signature.
  • Send out your Switches for direct deposits, automatic payments and account closures.
  • That’s it! ClickSWITCH takes care of the rest by generating account information forms and sending mails them out for you!

    ClickSWITCH

ClickSWITCH FAQs

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.

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 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.

For switches that have a mailed status 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 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 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 “Create a Switch” link.

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 your new account 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.

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 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.

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 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 the TMECU Toronto Branch at 416-392-6868 for account assistance.

 

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