Everyone in Michigan is Eligible for Membership
Membership is open to anyone who lives, works, worships, attends school or in the State of Michigan. Businesses located in Michigan are also eligible for membership.
A current or eligible member's immediate family (spouse, sibling, child, grandchild, parent, grandparent) or an individual living in the same household of a current or eligible member can also join LOC.
Requirements to Open an Account
- A minimum of $5 for your savings account. This represents your membership share with us and must remain on deposit while a member
- Your driver’s license or another form of government-issued photo ID
- Social security number (including that of your child if opening an account for them)
Once your account is opened, switch all of your direct deposits and automatic payments to your existing Checking Account at LOC Credit Union in as little as 10 minutes.
- Change financial institutions without the hassle
- Just a few clicks will save hours of time
- No need to track down payments or fill out paperwork
- Track switches and receive real-time switch notification
- Initiate the closure of your previous account
Get Started With ClickSwitch
For a quick and easy process, login to Digital Banking and hover over the Accounts Tab and click on "Account Switching"
You can also get the process started by visiting the ClickSWITCH portal.
Switch your direct deposits and automatic payments: Use your old account to automatically find and move all recurring transactions.
Please contact us at 800-837-4562 for assistance.
Getting started with ClickSWITCH is easy! Once you’ve been enrolled, you’ll need the SwitchTRACK code provided to you during enrollment, or you can activate your ClickSWITCH account through the Welcome Email you received. Depending on your financial institution, you may be able to log in through online banking as well.
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.
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. Timing for each switch can vary depending on the type of payment or deposit, the biller or depositor and the method needed to switch the payment or deposit.
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.
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.
Since bill payments are not automatically recurring, you’re not able to use ClickSWITCH for them.
We display the status for each automatic payment or direct deposit on the home screen under the button titled “View Existing Switches”. If a switch shows a “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.
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 LOC Credit Union.
LOC will provide you with a SwitchTRACK code form when you are enrolled in the branch. You can also get your SwitchTRACK code over the phone from one of our Financial Success Specialists if you were enrolled over the phone.