ClickSwitch FAQs

What is ClickSWITCH?

ClickSWITCH makes it easy for you to quickly and securely switch your recurring direct deposits from your previous bank account to your Universe Silver® Deposit Account.

What is a direct deposit?

A direct deposit is any payment that you receive from an organization directly into your account. Examples include payroll deposits, government direct deposits such as tax refunds, Social Security benefits, and Disability benefits, and dividend direct deposits from investment accounts.

How does ClickSWITCH work?

ClickSWITCH removes the hassle of filling out forms with your employer or contacting depositors to inform them of your new account information. All you have to do is search for your employer in our system, and if they're a recognized employer, submit the switch, and start having your paycheck direct deposited into your Universe Silver® account.

Is ClickSWITCH secure?

Yes! ClickSWITCH uses the latest in online encryption protection to securely gather and store your information. Additionally, we adhere to industry standards with regard to the security of your personal information.

Who do I contact if I have questions?

Please call 1-800-483-6634 to speak with a representative. You may reach us 24/7!

How do I get started?

Getting started with ClickSWITCH is easy! Log in to the Universe Silver® Mobile App and tap "Direct Deposit" above the image of your debit card to begin the process of switching your direct deposit.

What do I need to start my switch?

If your employer is recognized by ClickSWITCH, all you need is the name of your employer!

What if my employer isn't recognized by ClickSwitch?

If your employer is not recognized by ClickSWITCH, you will need to submit information about your employer. This information includes company name, phone number, website, and mailing address. You will also need your employee ID and the last 4 digits of your social security number.

How long will it take for me to submit a switch request?

Submitting a switch request usually takes as little as 90 seconds!

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 your employer or company receives the switch request, direct deposit switches typically take 5-15 business days. This varies by company so it's a good idea to check your switch status page for updates regarding each switch.

Do I need to call my billers and depositors to confirm the switch?

We display the status for each direct deposit in the Status column. 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.

You can also call 1-800-483-6634 to speak with a representative and check the status of your switch.

Which address should I use for my biller and depositor?

A large number of employers, companies and depositors are already in our system. However, if we do not have a certain address, please use the address that is indicated on the statement or pay stub the company sends you. You can also usually find the address in the Help or Contact Us sections of the company's website.

How do I know if my payment or deposit has been switched?

If you'd like to check on the status of your switch, please click on the "Direct Deposit" icon at the top of your screen. You can also call 1-800-483-6634 to speak with a representative and request the status of your switch.

When is it safe to move/remove funds from my prior account?

We recommend keeping enough money in your previous account to cover each payment until you see a direct deposit in your Universe Silver® account. This is especially important for any payments that might be due during the 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 call 1-800-483-6634 and request an update on the status of your switch.

I'm having technical difficulties. Who should I contact?

For technical support, please visit the "Submit feedback" section of the Universe Silver Mobile App and report the issue you are experiencing.