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Switch Kit - Frequently Asked Questions

What is Simply Switch?

Simply Switch it just that - a simple way to switch your banking relationship to Fulton Bank!

What is the Switch Kit?

The Switch Kit contains everything you need to switch your deposit accounts to Fulton Bank. Follow three easy steps and we'll do the rest!

Who do I call if I have questions?

If you have any questions regarding your new account, switching your automatic payments or automatic deposits to your new account, or what to do with the closing account form, please call your local branch.

What if my request to switch accounts is not accepted?

On the authorization forms, your contacts are requested to notify you or a bank representative if the form you submit is not sufficient to change or establish the direct deposit or automatic bill payment.

What is a direct deposit (ACH credit)?

Direct deposit is a quick, easy and secure method of receiving funds into your account. For example, you can receive your payroll, governmental benefits, and investment dividends by a direct deposit. Small business owners can also receive credit card settlements and accounts receivable payments. The funds are received and deposited electronically into your bank account.

When will my direct deposits start?

It normally takes 2 or 3 cycles to start a new direct deposit. For example, if you decide to direct deposit your payroll check into your new account, the direct deposit will most likely not go into your new account for 2 or 3 cycles. The same applies for existing direct deposits, so you will want to make sure you keep the account open that you are switching from until you know that your new account is receiving your deposits.

What is an automatic bill payment (ACH debit)?

Automatic bill payment is a convenient way to pay different types of companies, such as electric, gas, telephone, loans, credit cards, insurance, etc. Usually, these automatic debits are set up with a specific company by giving them a voided check and a date to take out your payment that is due to that company. These types of transactions are sent through your account electronically on the date and for the amount that you specify.

When will my automatic bill start paying from my new account?

Generally, it takes 2 to 3 billing cycles for your transaction to get switched over or started. If you contact your billing company to request that they take your payment from your new account, changing from a different account or starting a payment, the charges may not come out for the first 2 to 3 billing cycles after your request. That is why it is important to leave the account that you are planning on closing open until you have verified that all necessary switches have been made. This means you could have two checking accounts open at two different banks at the same time.

Can I switch my small business account?

It is very easy to switch your business account and still maintain check-writing capabilities and access to your funds. Simply stop in at any of our branch locations and open your new Small Business Checking account. Once you open the account, you can move over the excess balances from your former bank business account (leaving enough to cover any outstanding checks and automatic withdrawals), make all new deposits to your new business account, and start writing checks from it. Once everything has cleared in your former bank account and you have had all direct deposits and automatic withdrawals transferred to your new account, then you can close the former account.

How do I switch my small business account?

Simply fill out the appropriate forms for switching any automatic payments (debits), any direct deposits (credits), and to close your former account. Please follow the 3 easy steps provided and you will be on your way to switching your account activity.