Alerts

Steps to make the most of your alerts

Sign in to online banking or mobile banking, select Settings then Alerts & Notifications to customize the alerts you receive by:

Setting a threshold amount for your personal account balance or line of credit.

You’ll receive an alert when you reach or drop below this amount. Low balance account and remaining credit alerts’ default setting is $100.

Setting your preference for how you’d like to receive alerts.

Low balance account and remaining credit alerts can be sent by email, text, or push notification through our mobile app.
Email alerts are the recommended option, as text and push notification character limitations prevent them from containing the same amount of information as email.

If you don’t use digital banking, you can adjust your dollar thresholds by visiting a branch or signing up for digital banking (online banking and mobile banking).

Turn off alerts

If you do not wish to receive any alerts, you can turn them off through digital banking, visit any branch OR contact us.

What to do when you receive an alert

Upon receiving an alert, take time to review your account, its balance and upcoming transactions to determine if you are close to overextending your balance or exceeding your line of credit.

If your available account balance drops below $0 or you exceed your line of credit, you may incur a fee or charge and may incur fees for future transactions.

To avoid future fees (interest charges may still apply), make a deposit or transfer sufficient funds into the affected account or line of credit to avoid fees or interest charges. Don’t forget about upcoming payments that may be coming through your account and ensure you have a sufficient balance and/or credit to cover them.

If you need to speak to someone about being overextended, please contact us to speak to one of our helpful team members.

Have confidence that low balance and remaining credit alerts are legitimate

You’ll know that alerts are not spam or fraud because we’ll never:

Direct you to a third-party website
Ask you to sign into digital banking through the alert
Ask for your username, password, PIN or other personal information in an alert

What are Alerts?

These are electronic messages sent to keep you updated on your account balances and transaction activity and bill payees, as well as provide you security alerts to spot any unusual activity.

What are low balance and remaining credit alerts?

These will notify you if your personal account balance or the remaining credit on your line of credit falls below $100. Alerts will be sent by email, unless you change your preferences to receive them by text message.

Why are low balance alerts automatically put on personal accounts and remaining credit alerts automatically put on lines of credit?

We’re always trying to provide you with better ways to manage your day-to-day banking and be in control of your finances. Low balance and remaining credit alerts help you keep an eye on your money and avoid unnecessary fees. We are committed to helping you protect your money.

Is there a charge for the email alerts?

No. This is a free service offered to all members with personal accounts and lines of credit who have provided an email address.

Does this alert mean I’m getting charged because my deposit account balance fell below $100?

There is no charge because your balance fell below $100. Fees are only applied when a balance falls below $0. Log into your digital banking to check on the status of your account. If you have a positive available balance, ensure you don’t fall below $0 by verifying you have enough funds available for any anticipated upcoming debits/expenses.

What do I do when I receive an alert and how do I avoid any charges or penalties?

Upon receiving an alert, take time to review your account, its balance and upcoming transactions to determine if you have overextended your balance or exceeded your line of credit. Depending on your balance and recent transactions, you may have incurred a fee or charge and may incur fees for future transactions.

To avoid future fees (interest charges may still apply), ensure you do not overextend your balance or exceed your line of credit by immediately making a deposit or transferring sufficient funds into the affected account or line of credit. If you need to speak to someone about being overextended, please contact us to speak to one of our helpful team members.

What do I do if I don’t want to receive alerts?

You can sign in to digital banking to make any changes you want, including turning them off. After signing in, go to Settings then Alerts & Notifications. You’ll be able to choose which accounts you’d like to receive alerts for or turn them off completely.

If you don’t use digital banking, you can submit a request to turn off Alerts contact us or visit your nearest branch.

Can I manage low balance and remaining credit alert preferences in mobile app?

Yes. You can update preferences, change threshold amounts and contact information, or turn alerts off completely using our mobile app.

Can I set different low balance and remaining credit amounts for each of my accounts?

Yes, you can customize your alert preferences for each account and line of credit. Just sign in to digital banking and select Settings then Alerts & Notifications. You will be able to select a different threshold amount for each account and alert type to help you manage your money responsibly.

What about push notifications; are those an option for low balance and remaining credit alerts?

Push notifications are an option available in digital banking; however, due to character limitations, low balance and remaining credit via alerts don’t include the same amount of information as email and text message alerts. We strongly recommend that you opt for email or text message alerts instead.

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