The Fast, Secure and Free Way to Switch Your Automatic Payments & Direct Deposits!

Now you can easily move recurring payments and direct deposits to a new account – all with the click of a mouse. With ClickSWITCH®, account information is transferred instantly. It’s fully automated, convenient, and it takes as little as 10 minutes.

How ClickSWITCH Works

1. Request a ClickSWITCH code by calling us at 757.728.1290, or visiting a branch.

2. Access Old Point's ClickSWITCH portal here:

3. Enter your SwitchTRACK code.

4. Create your password.

5. When prompted, enter your new password, and log in.

6. Read and accept the terms of use.

7. Click on your desired tab and follow the instructions to create and submit your switches.

 

                                       


FAQs:

What is ClickSWITCH? 

ClickSWITCH makes it easy for you to quickly and securely switch your current automated payments and direct deposits from your existing financial institution to your new or existing Old Point account. You can monitor the progress and track the status on the "Status" tab in the ClickSWITCH portal, so you'll know exactly when each payment has been switched and you can move funds to your new account.

It would be helpful to gather all of your automated payments and direct deposit information to get your switches started. A previous statement is great source for information on the automated payments and direct deposits tied to an account.

Does ClickSWITCH open my new OPNB account?  

No. ClickSWITCH is a service that is included when you open an account with Old Point. To open your account, you’ll still need to visit your local Old Point branch.

How long is my SwitchTRACK code valid? 

The code is valid for 90 days. If you do not activate your code in that time period, a new code will need to be generated for you.

What do I do if I forget my SwitchTRACK code? 

If your original code was never activated, and no password was setup, we can provide you with your original code again. If your code was activated and a password was setup, please use the “Forgot Password?” link on the login page to reset your password. If your code was activated and a password was setup, and you are unable to reset your password, we will need to provide you with a new code.

How long will it take for me to switch my payments?  

Timing for each payment switch can vary depending on the type of payment, biller and the method needed to switch the payment. Automated payments and direct deposits typically take between 7-10 days to switch, but can be faster or slower depending on the billers. It's always a good idea to review your switch status page for the most current information regarding each switch before closing your old payment account(s).

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

We display the status for each automated payment or direct deposit on the "Status" tab. If a switch shows as "Completed" there's 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.

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 my employer is not listed in the ClickSWITCH Direct Deposit Database? 

You will be asked for additional information to complete the switch. You should add as much information as you can and submit it to ClickSWITCH. ClickSWITCH will do the research and get the switch started. You can also print the form and take it to your employer.

Can I switch my beneficiaries with ClickSWITCH as well? 

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 Old Point.

If anything I am switching with ClickSWITCH is rejected, how will I know? 

If any of your switches are rejected, you will be contacted via email.

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.

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 at 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. 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?  

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 during 14 days after you initiate a switch.

My SwitchTRACK code isn't working, what should I do?  

Please contact Old Point at 727.728.1290 or visit any OPNB branch location 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.

How do I get help setting up my switches?  

You can visit any OPNB branch location or contact us at 757.728.1290 for assistance setting up your switches.

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.

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.