Frequently Asked Questions
1. What are Account Alerts?
2. How do I set up an Account Alert?
3. What are the Default Account Alert Settings?
4. Will all Account Alerts I set up use my Default Account Alert Settings automatically?
5. How can I change my Account Alerts?
6. Can I change my Default Account Alert Settings?
7. Does changing my Default Account Alert Settings affect any existing Account Alerts?
8. How can I stop receiving Account Alerts?
9. Can an Account Alert be sent to my cellular phone?
10. How do I find the email address for my cellular phone?
11. When will I receive an Account Alert?
12. What does 'Notify Me At' mean?
13. How soon after I set up an Account Alert will I begin receiving them?
14. Can I see my past Account Alerts?
15. What are the different Account Alert types that I can sign up for?
16. How many Account Alerts am I allowed to sign up for?
17. Are all Account Alert types available to all people?
18. What is Minimum Balance?
19. What is Minimum Available Balance?
20. What is Minimum Purchase Amount?
21. What is Minimum Available Credit?
22. What is Minimum Withdrawal Amount?
23. What is Account Alert Detail Level?
24. What is Account Nickname?
1. What are Account Alerts?
Account Alerts are emails sent to you to notify you of certain transactions or events happening on your account.
Each Account Alert can be sent to multiple email or cellular phone addresses within minutes of the actual transaction.
Back to top
2. How do I set up an Account Alert?
Select "Add New Alerts" button to begin. The first time you select this CTA you will be setting up your default settings.
Once that is complete, you will select the Add New Alert button again and Choose the type of Account Alert you would like to set up from the dropdown.
Back to top
3. What are the Default Account Alert Settings?
Email Addresses, Cellular Phone Addresses, Notification Times,
Detail Level, and Nickname can all be assigned default
values by defining your account's Default Account Alert Settings. Default settings will be pre-filled each time you add a new Alert to your
account, making the process even quicker and easier. You can always edit these values while setting up your alerts as well.
Back to top
4. Will all Account Alerts I set up use my Default Account Alert Settings automatically?
Once you define your Default Account Alert Settings, any future Account Alerts you add will have the default values you specify pre-filled
wherever they are appropriate. You can overwrite these defaults on any Account Alert at the time of addition if you'd like.
Back to top
5. How can I change my Account Alerts?
Click the "Edit" image next to the Account Alert you would like to change. This will bring up a form that will allow you to edit all
of the details for this Account Alert. Click the "Continue" button once you have completed your changes.
Back to top
6. Can I change my Default Account Alert Settings?
You can change your Default Account Alert Settings at any time just like any other Account Alert. Any changes
made will not be automatically applied to Account Alerts already defined on your account. You do have the option to overwrite
all of your existing Account Alerts with your new Default Settings - you just need to check the "Please overwrite all my existing
Account Alerts with these Defaults" box when editing your Default Settings.
Back to top
7. Does changing my Default Account Alert Settings affect any existing Account Alerts?
The changes will not be applied to any of your existing Account Alerts automatically. You do have the option to overwrite all
of your existing Account Alerts with your new Default Settings - you just need to check the "Please overwrite all my existing
Account Alerts with these Defaults" box when editing your Default Settings.
Back to top
8. How can I stop receiving Account Alerts?
Click the "Trash Can" image next to the Account Alert you would like to stop receiving. This will remove this Account Alert from your account.
To stop receiving all Account Alerts you can simply delete all Account Alerts that you are signed up for.
Back to top
9. Can an Account Alert be sent to my cellular phone?
Yes. You must know the email address of your cellular phone and the standard text messaging charges from
your service provider will apply. Due to message length, you may receive an abbreviated version of a
"Moderate" or "Specific" detail level Account Alert when it is
being sent to a cellular phone.
Back to top
10. How do I find the email address for my cellular phone?
The email address is made up of the cellular phone's [10-digit phone number]@[service provider's gateway].
Some examples are listed below. You can check with your service provider if it is not listed.
- 3 River Wireless
[10-digit phone number]@sms.3rivers.net
- ACS Wireless
[10-digit phone number]@paging.acswireless.com
- Alltel
[10-digit phone number]@message.alltel.com
- AT&T
[10-digit phone number]@txt.att.net
- Bell Canada
[10-digit phone number]@txt.bellmobility.ca
- Blue Sky Frog
[10-digit phone number]@blueskyfrog.com
- Bluegrass Cellular
[10-digit phone number]@sms.bluecell.com
- Boost Mobile
[10-digit phone number]@myboostmobile.com
- BPL Mobile
[10-digit phone number]@bplmobile.com
- Carolina West Wireless
[10-digit phone number]@cwwsms.com
- Cellular One
[10-digit phone number]@mobile.celloneusa.com
- Cellular South
[10-digit phone number]@csouth1.com
- Centennial Wireless
[10-digit phone number]@cwemail.com
- CenturyTel
[10-digit phone number]@messaging.centurytel.net
- Cingular
[10-digit phone number]@txt.att.net
- Clearnet
[10-digit phone number]@msg.clearnet.com
- Comcast
[10-digit phone number]@comcastpcs.textmsg.com
- Corr Wireless Communications
[10-digit phone number]@corrwireless.net
- Dobson
[10-digit phone number]@mobile.dobson.net
- Edge Wireless
[10-digit phone number]@sms.edgewireless.com
- Fido
[10-digit phone number]@fido.ca
- Golden Telecom
[10-digit phone number]@sms.goldentele.com
- Helio
[10-digit phone number]@messaging.sprintpcs.com
- Houston Cellular
[10-digit phone number]@text.houstoncellular.net
- Idea Cellular
[10-digit phone number]@ideacellular.net
- Illinois Valley Cellular
[10-digit phone number]@ivctext.com
- Inland Cellular Telephone
[10-digit phone number]@inlandlink.com
- MCI
[10-digit phone number]@pagemci.com
- Metrocall
[10-digit phone number]@page.metrocall.com
- Metrocall 2-way
[10-digit phone number]@my2way.com
- Metro PCS
[10-digit phone number]@mymetropcs.com
- Microcell
[10-digit phone number]@fido.ca
- Midwest Wireless
[10-digit phone number]@clearlydigital.com
- Mobilcomm
[10-digit phone number]@mobilecomm.net
- MTS
[10-digit phone number]@text.mtsmobility.com
- Nextel
[10-digit phone number]@messaging.nextel.com
- OnlineBeep
[10-digit phone number]@onlinebeep.net
- PCS One
[10-digit phone number]@pcsone.net
- President's Choice
[10-digit phone number]@txt.bell.ca
- Public Service Cellular
[10-digit phone number]@sms.pscel.com
- Qwest
[10-digit phone number]@qwestmp.com
- Rogers AT&T Wireless
[10-digit phone number]@pcs.rogers.com
- Rogers Canada
[10-digit phone number]@pcs.rogers.com
- Satellink
[10-digit phone number]@satellink.net
- Solo Mobile
[10-digit phone number]@txt.bell.ca
- Southwestern Bell
[10-digit phone number]@email.swbw.com
- Sprint
[10-digit phone number]@messaging.sprintpcs.com
- Sumcom
[10-digit phone number]@tms.suncom.com
- Surewest Communicaitons
[10-digit phone number]@mobile.surewest.com
- T-Mobile
[10-digit phone number]@tmomail.net
- Telus
[10-digit phone number]@msg.telus.com
- Tracfone
[10-digit phone number]@txt.att.net
- Triton
[10-digit phone number]@tms.suncom.com
- Unicel
[10-digit phone number]@utext.com
- US Cellular
[10-digit phone number]@email.uscc.net
- US West
[10-digit phone number]@uswestdatamail.com
- Verizon
[10-digit phone number]@vtext.com
- Virgin Mobile
[10-digit phone number]@vmobl.com
- Virgin Mobile Canada
[10-digit phone number]@vmobile.ca
- West Central Wireless
[10-digit phone number]@sms.wcc.net
- Western Wireless
[10-digit phone number]@cellularonewest.com
Back to top
11. When will I receive an Account Alert?
On most Account Alert setup screens there are two fields called "Send Account Alerts From" and "Send Account Alerts
Until". Enter the time range you would like your Account Alerts to be sent. If an Account Alert is triggered outside
of your chosen time range, your Account Alert will be sent the following day. The exception to this is the Daily
Balance Account Alert. For this Account Alert type you need to choose a "Notify Me At" time to be notified once
a day. If you would like to receive all of your Account Alerts at a specific time every day, simply set "Send
Account Alerts From" and "Send Account Alerts Until" to the same time, making sure to choose a time during
normal business hours.
Back to top
12. What does 'Notify Me At' mean?
In the case of the Daily Balance Account Alert, you will need to choose a single time during normal business hours to be
notified of your balance(s). If you would like to be notified of your balances multiple times a day, then you can
set up multiple Daily Balance Account Alerts.
Back to top
13. How soon after I set up an Account Alert will I begin receiving them?
Immediately. Account Alerts are processed and sent in real time. You will not receive any Account Alerts for transactions
that occurred prior to when you set up the Account Alert.
Back to top
14. Can I see my past Account Alerts?
Yes, all Account Alerts sent for the last 90 days are kept. You can view them by using the "Account Alerts Sent" section
at the bottom of the Setup screen. Enter a date range in the "From" and "To" boxes, select an
Account Alert type, then click "Show" to see your past Account Alerts.
Back to top
15. What are the different Account Alert types that I can sign up for?
- Default Account Alert Settings
This Account Alert works at the account level and is used to define some default settings
that will be pre-filled each time you add a new Account Alert. These default settings include Email Addresses,
Cellular Phone Addresses, Notification Times,
Detail Level, and Nickname.
- Low Balance Alert
This Account Alert works at the share level and can be set to monitor either one individual share, or all shares on the account.
A minimum balance amount will be entered at the time of set up. You will be notified when a transaction causes the selected
share balance to fall below that amount.
There are three options to choose from:
- Subtype 1 – Notify me only the first time.
- Subtype 2 – Notify me for each withdrawal.
- Subtype 3 – Notify me for any transaction.
- Low Available Balance Alert
This Account Alert works at the share level and can be set to monitor either one individual share, or all shares on the account.
A minimum available balance amount will be entered at the time of set up. You will be notified when a transaction causes
the selected share's available balance to fall below that amount.
There are three options to choose from:
- Subtype 1 – Notify me only the first time.
- Subtype 2 – Notify me for each withdrawal.
- Subtype 3 – Notify me for any transaction.
- Daily Balance Alert
This Account Alert works at the share level and can be set to monitor one individual share, all draft/checking shares, all savings
shares, or all shares on the account.
You will be notified of the appropriate balance(s) once daily at a time you specify.
- NSF Alert
This Account Alert works at the share level and can be set to monitor either one individual share, or all shares on the account.
You will be notified each time an NSF fee is assessed to the selected share(s).
- Courtesy Pay (CP) Alert
This Account Alert works at the share level and can be set to monitor either one individual share, or all shares on the account.
You will be notified each time a Courtesy Pay fee is assessed on the selected share(s).
- Overdraw Transfer (ODT) Alert
This Account Alert works at the share level and can be set to monitor either one individual share, or all shares on the account.
You will be notified each time an Overdraw Transfer occurs on the selected share(s).
- Insufficient Funds Alert (combines NSF, CP, & ODT)
This Account Alert works at the share level and can be set to monitor either one individual share, or all shares on the account.
This mimics a situation in which each of the NSF, Courtesy Pay, and Overdraw Transfer Account Alerts have been created on the account.
When this type is chosen, all three will be checked for and sent individually according to their descriptions above so instead of
individually setting up each of the NSF, Courtesy Pay, and Overdraw Transfer Account Alerts you can set up one Insufficient Funds Account Alert.
- Courtesy Pay Changed Alert
This Account Alert works at the share level and can be set to monitor either one individual share, or all shares on the account.
You will be notified of any change in the Courtesy Pay value on the selected share(s).
- Courtesy Pay Added Alert
This Account Alert works at the share level and can be set to monitor either one individual share, or all shares on the account.
You will be notified if the Courtesy Pay is changed from $0.00 to any value greater than $0.00 on the selected share(s).
- Courtesy Pay Revoked Alert
This Account Alert works at the share level and can be set to monitor either one individual share, or all shares on the account.
You will be notified if the Courtesy Pay is changed from any value greater than $0.00 to $0.00 on the selected share(s).
- Direct Deposit Received Alert
This Account Alert works at the share level and can be set to monitor either one individual share, or all shares on the account.
You will be notified of each Direct Deposit made to the selected share(s).
- Automatic Withdrawal Alert
This Account Alert works at the share level and can be set to monitor either one individual share, or all shares on the account.
You will be notified whenever an Automatic Withdrawal posts to the selected share(s).
- Pending ACH Transaction Alert
This Account Alert works at the account level.
You will be notified whenever a new ACH Transaction (Automatic Withdrawal or Direct Deposit) is placed on your account
as pending. Note that not all ACH transactions will be put in pending status prior to being posted. A transaction can
be posted without ever triggering a Pending ACH Transaction Account Alert. Transactions with an amount of $0.00 (pre-note
authorization transactions) will be ignored for the purposes of this Account Alert.
- Large Withdrawal Alert
This Account Alert works at the share level and can be set to monitor either one individual share, or all shares on the account.
A minimum withdrawal amount will be entered at the time of set up. You will be notified each time any withdrawal
which equals or exceeds that amount is completed on the share(s).
- Draft Withdrawal Alert
This Account Alert works at the share level and can be set to monitor either one individual draft share, or all draft shares on the account.
You will be notified each time a draft withdrawal is completed on the share(s).
- Share Transfer Alert
This Account Alert works at the share level and can be set to monitor either one individual share, or all shares on the account.
You will be notified each time a transfer transaction is completed on the share(s).
- Specific Check # Cleared Alert
This Account Alert works at the share level and must be set to monitor one individual draft share.
A check number must be entered at the time of set up and you will then be notified when it clears.
This is a one time only Account Alert and will be deleted from the active list once it is sent.
- Maturing Certificate Alert
This Account Alert works at the share level and must be set to monitor one individual Certificate share.
You will select how many days in advance you want to be alerted to a Certificate maturing and will receive notification accordingly.
- Interest Rate Change Alert
This Account Alert works at the loan level and can be set to monitor either one individual loan, or all loans on the account.
You will be notified whenever the interest rate is changed on the selected loan(s).
- Loan Payment Due Alert
This Account Alert works at the loan level and must be set to monitor one individual loan.
You will select how many days in advance you want to be alerted to a loan payment being due and will receive notification accordingly.
- Loan Payment Made Alert
This Account Alert works at the loan level and can be set to monitor either one individual loan, or all loans on the account.
You will receive an Account Alert each time a payment is made on the loan(s).
- Loan Payment Change Alert
This Account Alert works at the loan level and can be set to monitor either one individual loan, or all loans on the account.
You will receive an Account Alert whenever the payment amount on the loan is changed.
- Loan Past Due Alert
This Account Alert works at the loan level and must be set to monitor one individual loan.
You will receive an Account Alert if your loan's due date passes without a payment being made. You may receive this Account Alert again
if a payment is not made in a timely manner.
- Mortgage Payment Due Alert
This Account Alert works at the account level.
You will select how many days in advance you want to be alerted to a mortgage payment being due and will receive
notification accordingly. Note that if your mortgage is treated as a Loan you can use the Loan Payment Due Account Alert instead.
- Large Debit Card or ATM Transaction Alert
This Account Alert works at the share level and must be set to monitor either one individual share, or all shares on the account.
A minimum purchase amount will be entered at the time of set up. You will be notified each time a transaction is completed
(Credit/Debit Card, POS, or ATM) using that card which equals or exceeds that amount.
- Debit Card Hold Alert
This Account Alert works at the share level and must be set to monitor either one individual share, or all shares on the account.
Anytime a hold record is created against the debit card an alert will be generated.
It should be noted this alert only triggers when a hold record is created.
In the case of debit cards not all transactions will have a hold record created.
This alert should be used in conjunction with a Large Debit Card or ATM Transaction Account Alert if it is the desire of the member
to have an alert generated for ALL transactions against the debit card.
- Large Credit Card Purchase Alert
This Account Alert works at the card level and can be set to monitor either one individual Credit Card, or all Credit Cards on the account.
A minimum purchase amount will be entered at the time of set up. You will be notified each time the credit card is used
to make a purchase which equals or exceeds that amount.
- Credit Card Hold Alert
This Account Alert works at the share level and must be set to monitor either one individual share, or all shares on the account.
Anytime a hold record is created against a credit card an alert will be generated.
It should be noted this alert only triggers when a hold record is created.
In the case of credit cards not all transactions will have a hold record created.
This alert should be used in conjunction with a Large Credit Card Purchase Account Alert if it is the desire of the member
to have an alert generated for ALL transactions against the credit card.
- Low Available Credit (Credit Card) Alert
This Account Alert works at the card level and can be set to monitor either one individual Credit Card, or all Credit Cards on the account.
A minimum available credit amount will be entered at the time of set up. You will be notified when a transaction causes the available
credit to fall below that amount.
There are three options to choose from:
- Subtype 1 – Notify me only the first time.
- Subtype 2 – Notify me for each advance.
- Subtype 3 – Notify me for any transaction.
- Line of Credit Advance Alert
This Account Alert works at the loan level and can be set to monitor either one individual Line of Credit loan, or all
Line of Credit loans on the account.
You will receive an Account Alert each time an advance is taken against the loan(s).
- Low Available Line of Credit (Loan) Alert
This Account Alert works at the loan level and can be set to monitor either one individual Line of Credit loan, or all
Line of Credit loans on the account.
A minimum available credit amount will be entered at the time of set up. You will be notified when a transaction
causes the available credit to fall below that amount.
There are three options to choose from:
- Subtype 1 – Notify me only the first time.
- Subtype 2 – Notify me for each advance.
- Subtype 3 – Notify me for any transaction.
- Online Banking Share Transaction Alert
This Account Alert works at the share level and can be set to monitor either one individual share, or all shares on the account.
You will be notified of transactions conducted via Online Banking.
There are three options to choose from:
- Subtype 1 – Notify me for any deposit via Online Banking.
- Subtype 2 – Notify me for any withdrawal via Online Banking.
- Subtype 3 – Notify me for any transaction via Online Banking.
- Mailing Address Change Alert
This Account Alert works at the account level.
You will be notified any time a change is made to the Street, City, State, Zip Code, or Extra Address fields on your account.
- E-mail Address Change Alert
This Account Alert works at the account level.
You will be notified any time a change is made to either the E-mail Address or Alternate E-mail Address fields on your account.
- Regulation D Transaction Alert
This Account Alert works at the account level and monitors each share independently.
Regulation D is a government regulation which, among other things, differentiates between transaction shares and non-transaction
shares. Regulation D places monthly limitations on non-transaction shares, such as savings and money market shares.
Transaction shares, such as checking or draft shares, are not subject to Regulation D limitations.
This Account Alert will be sent each time a transaction that qualifies under Regulation D is performed on a non-transaction share.
If you choose the "Specific" detail level the Account Alert will also inform you of how
many such transactions have been performed thus far during the current month. Contact the Credit Union for more details
and limitations on Regulation D transactions.
- Scheduled Transfer Alert
This Account Alert works at the account level.
You will be notified each time a scheduled transfer completes successfully on your account.
- Scheduled Transfer Failed Alert
This Account Alert works at the account level.
You will be notified each time a scheduled transfer fails to complete on your account.
Back to top
16. How many Account Alerts am I allowed to sign up for?
There is absolutely no limit to the number of Account Alerts you can sign up for. You can sign up for multiple
types of Account Alerts as well as sign up multiple times for each type of Account Alert.
For example, you can set up a low balance Account Alert to be notified at home anytime your checking account balance
drops below $200.00. You can then sign up for another low balance Account Alert and have it email your cellular phone
anytime your account balance drops below $50.00.
Back to top
17. Are all Account Alert types available to all people?
No. The types that are available to you depend on two things, the first being the types of products you have. For example, if you
have no loans then the Loan Payment Due Account Alert will not be offered to you. Second, the process that triggers some Account Alerts will not
always work correctly for everyone. If there are any that will not be sent properly 100% of the time then it will be disabled.
Back to top
18. What is Minimum Balance?
On the set up screen for the Low Balance Account Alert you need to enter a dollar amount here. You will be notified when your balance
drops below this value.
Back to top
19. What is Minimum Available Balance?
On the set up screen for the Low Available Balance Account Alert you need to enter a dollar amount here. Once a transaction is performed
that triggers a low balance, you will be notified.
Back to top
20. What is Minimum Purchase Amount?
On the set up screen for several Account Alerts you need to enter a dollar amount here. You will be notified when a purchase is made
that matches or exceeds this value.
Back to top
21. What is Minimum Available Credit?
On the set up screen for several Account Alerts you need to enter a dollar amount here. You will be notified when your available credit
drops below this value.
Back to top
22. What is Minimum Withdrawal Amount?
On the setup screen for the Large Withdrawal Account Alert you need to enter a dollar amount here. You will be notified when a withdrawal
is made that matches or exceeds this value.
Back to top
23. What is Account Alert Detail Level?
If you would like your Account Alert to contain the Transaction Time/Date, Amount, and New Balance, choose "Specific -
Full Detail". You can also have limited information sent by choosing "Moderate - Some Detail" and
"Generic - No Detail". Due to message length, you may receive an abbreviated version of a
"Moderate" or "Specific" detail level Account Alert when it is being sent to a cellular phone.
- Generic - No Detail
An Account Alert has been triggered on your account. Please log in to your account online to view more detail.
- Moderate - Some Detail
A Large Withdrawal Account Alert has been triggered on your account. Please log in to your account online to view more detail.
- Specific - Full Detail
A Large Withdrawal Account Alert has been triggered on your account.
You asked to be notified when a large withdrawal over $100.00 was made on your account:
Share 01 - Withdrawal Amount: 750.00, Withdrawal Time: 10:31
Post Date: 04/13/2006, Effective Date: 04/13/2006
New Balance: 980.00, New Available Balance: 975.00
Back to top
24. What is Account Nickname?
Entering an account nickname is optional. It is a way to identify an account in the Account Alerts you receive.
If you have the same Account Alerts set up on multiple accounts, an account nickname will allow you to know which
one triggered an Account Alert without logging in to Online Banking.
**IMPORTANT** We will not send any identifying information
via email. You may NOT include your account number or user name in the account nickname!
Back to top