A New Way to Switch Direct Deposits & Automatic Payments

Too many people stick with a less-than-satisfactory banking experience because it’s too much trouble to switch recurring transactions like direct deposits to their new account at their new financial institution. At Fourth Capital, we believe in choice; so, we’re making it easy for you to choose the best account – and switch your direct deposits quickly and simply.

If you’re thinking about a new account, we can make it incredibly easy to open – and to get your paychecks and other direct deposits switched to that new account. But it doesn’t have to be a new account. If you have an account you don’t use much because your deposits are going elsewhere, we can make that switch for you.

Relax, switching is easy.

It’s simple, it’s safe, and you’re done in minutes. With ClickSWITCH, you get:

A quick, digital process – No more filling out paperwork
An easy way to consolidate your finances – Get your deposits where you want them
Closure of old accounts – Avoid inactive accounts and the fees they charge

Download our direct deposits and automated payments checklist before starting.

  • What is ClickSWITCH?

    ClickSWITCH is an automated account switching solution that makes it easy for you to quickly and securely switch your recurring direct deposits and automatic payments from your previous financial institution account to your new financial institution account. You can also initiate the closing of accounts at your previous financial institution using ClickSWITCH.

  • How does ClickSWITCH work?

    ClickSWITCH removes the hassle of contacting all of your billers and depositors to inform them of your new account information. You input your payment and direct deposit information to our secure ClickSWITCH system, submit the switch and we’ll do the rest. You can monitor the progress and switch status in the “Status” column on your Dashboard.

  • Is ClickSWITCH secure?

    Yes. ClickSWITCH uses the latest in online encryption protection to gather and store your switch information. Additionally, our facilities adhere to the highest industry standards with regard to the security of your personal information.

  • Who do I contact if I need help setting up my switches or if I have questions?

    Please contact a Fourth Capital team member at 615-298-8000 for assistance.

  • How do I log in and get started?

    Getting started with ClickSWITCH is easy! Once you’ve been enrolled, you’ll need the activation code provided to you during enrollment, or you can activate your ClickSWITCH account through the Welcome Email you received. You may also log in through Fourth Capital’s digital banking as well.

    Here’s how:

    1. Access ClickSWITCH by logging into Digital Banking and selecting the ‘Services’ menu option, then ClickSWITCH

    2. Choose to Switch Direct Deposits or Recurring Payments

    3. Follow Instructions to Submit the Switch

  • What do I need to start my switch?

    You’ll need to gather all of your automatic payment and direct deposit information to get your switches started. A previous statement is a great source of information for the automatic payments and direct deposits tied to an account.

  • What is an automatic payment?

    An automatic payment 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 an organization directly into your account. These could include payroll direct deposits, government direct deposits (Social Security, Disability, etc.) and dividend direct deposits from investment accounts.

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

    Submitting a switch typically takes less than 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 a company receives the form, automatic payment and direct deposit switches typically take 5-15 business days. Since the timeframe depends on the company receiving the switch request, it’s always a good idea to review your switch status page for the most current information regarding each switch and to continue monitoring your accounts.

  • Why do I need to enter my billing account number or other specific information?

    Companies require specific information to ensure your identity and to update the account information in their system.

  • How do I know if my payment or deposit 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 or depositor will display a “Completed” status. Switches that are still in process will display a “Mailed” status. For switches that have a mailed status for 15 days or more, we recommend contacting the company to confirm the switch is completed or check your account.

  • What is Switch Assist?

    Switch Assist allows you to log in to your previous financial institution’s online banking account. Once you’re logged in, you will see your transaction history and will be able to submit switches to your new financial institution account.



To learn more, reach out to a Fourth Capital team member at 615-298-8000 or contact us at

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