Switching an Account

Switching to Peach State Bank Just Got Easier! 

Peach State Bank has partnered with Pinwheel to make it even easier for new customers to begin banking with us. Now, there’s an intuitive, seamless way to switch both direct deposit and recurring bill payments to Peach State Bank. New and existing customers can utilize this swift and efficient technology to instantly make the switch to a new account. Ready to get started?

 
 
 

Move Your Paycheck Without the Paperwork

No one likes paperwork. Between trying to find old login credentials or waiting weeks for changes to be processed, trying to move your paycheck can be frustrating, time‑consuming, and make you feel like a number instead of a customer. With the Pinwheel Switch Kit, the process becomes effortless. Here’s how it’s making the switch easy:

  • Instant Setup: Connect your payroll account in just a few clicks.
  • Utilize Pinwheel’s exclusive technology: Experience the only credential‑less switch journey in the market through direct partnership integrations. Customers use PreMatch technology to set up their direct deposit. By using account‑profile eligibility, customers pass verification instantly with no PII entry required. Payroll sources are automatically identified in real time—no searching, no guesswork. The PreMatch experience differs from Pinwheel’s standard flow by immediately matching users with eligible payroll platforms. With MFA‑based authorization, users can complete the switch securely without entering payroll credentials, making the entire process faster, safer, and dramatically more reliable.
  • Social Security Support: Seamlessly transition Social Security (Retirement, Survivors, and Disability) benefits to your new account.
  • The HR Backup with Digital Forms: If automated connection isn’t available, customers can instantly generate a ready‑to‑submit, pre‑filled form to share with their HR or payment department. This enhanced core flow for exception scenarios ensures 100% coverage, reduces errors through pre‑fill, and delivers a more intuitive experience that consistently improves NPS. Every customer- no matter their employer or payroll system, gets a clear, simple path to complete their switch.
 

Take Control of Your Bills

With Pinwheel Bill Switch, you can automate your bill payments at the press of a button. No more worries about missed payments — Bill Switch acts as your personal command center for recurring expenses. Switching banks doesn’t have to mean stressing over bills being paid on time. Bill Switch makes bill payments easy to manage, so you can focus on the things that matter.

Set up is easy, swift, and seamless:

To begin, the user connects to external bank accounts and credit cards, and Pinwheel automatically identifies which recurring bills & subscriptions are paid out of those accounts through a best-in-class algorithm. The user can then perform an automated payment method switch to the card or bank account of their choice or will be prompted with instructions to perform a manual switch when an automated switch is not supported. Finally, users can mark manual switches as completed and use Pinwheel’s overview screens to keep track of which bills have been switched.

Bill Switch presents a consolidated view of recurring bills with 80% more accuracy than competing services. Think of it as a calendar view of your largest, most important bills. Using one-tap migration, payment methods can be updated directly through Peach State Bank’s MyPeach app. For total peace of mind, users can receive instant confirmation that a bill has been successfully moved to a new account through the real-time tracking feature, so you know exactly where your money is at a moment’s notice.

 

Why Switch Now?

No more hassle and headaches when it comes to switching your direct deposit and bill payments. By moving your largest bills at account opening, you’re putting your money where it can work hardest for you from day one.

Through Pinwheel’s seamless integration, everything happens securely through your digital banking experience, and you’ll have confidence in every click with real-time outcomes and tracking.

 

FAQ

Everything you need to know about your new account transition.
Powered by Pinwheel

Switching your direct deposit means updating where your paycheck is sent. Instead of your pay going to your previous bank account, it will be deposited into your new account or split between accounts, if you prefer. We handle this change directly with your employer's payroll system, so you don't have to track down forms or contact HR yourself.
Yes. Your data is encrypted in transit and at rest, and is used solely to complete your direct deposit update. We follow industry-standard security practices and never sell or share your personal information with third parties.
Most users complete setup in just a few minutes. Once submitted, the change typically takes effect within 1–2 pay cycles depending on your employer's payroll processing schedule.
In most cases, your updated direct deposit will be active within 1–2 pay cycles. Exact timing depends on your employer's payroll cutoff dates. If your change is submitted after a cutoff, it may not take effect until the following cycle.
A Remainder Switch keeps all of your existing paycheck allocations (such as savings contributions or split deposits) exactly as they are, and redirects only the remaining portion of your paycheck to your new account. If you have no existing allocations, a Remainder Switch works the same as a Full Switch, your entire paycheck goes to the new account.
A Full Switch redirects your entire paycheck to your new account, replacing any previously set deposit destination. This is the simplest option if you want all of your pay going to one place.
You can update your direct deposit at any time by going through the setup flow again.
No. Our tool communicates directly with your employer's payroll system, so there's no need to fill out paper forms or reach out to HR separately.
 
What if my employer isn't supported?
If we're unable to connect to your employer's payroll system, we'll let you know during setup. In that case, you can use Pinwheel’s direct deposit form or update your direct deposit directly with your HR or payroll department using your new account details.
Yes. Many employers support split deposits, which let you divide your paycheck between two or more accounts. For example, sending a fixed amount to savings and the rest to checking. You can set this up during the flow.
For any errors where the user is not able to act on, you should use the Pinwheel direct deposit form as a fallback or update your direct deposit directly with your HR or payroll department using your new account details.
 
What if my employer isn't supported?
If we're unable to connect to your employer's payroll system, we'll let you know during setup. In that case, you can use Pinwheel’s direct deposit form or update your direct deposit directly with your HR or payroll department using your new account details.

Ready to open an account and start your seamless switch today?

Call us at 770.536.1100 or visit one of our branch locations. Our friendly, professional staff in Gainesville and Braselton is ready to help.