What are eAlerts?
eAlerts are notifications of certain activity in your account(s). You receive a short message via e-mail or cell phone text.
What eAlerts can I sign up to receive?
1st CCU offers the following eAlerts (Click on the alert for more details and to view a sample message)
Low Balance Alert
This alert will notify you that your checking account balance has dropped below a dollar limit you specify. The low balance alert is sent one time; you will not receive an alert every day that the balance remains below your specified dollar limit. The Subject Line will contain the name of the alert and the identifying digits of the checking account that triggered the alert. The message will give you the balance of the account at the time the alert was triggered.
Example: Balance Alert for 6-1-70 Your balance has dropped below $20.00 and is now $14.38
Automatic Deposit Alert
This alert will notify you that an automatic deposit or direct payroll deposit has been credited to your Primary Share account or checking account. The Subject Line will indicate that it is a Deposit Alert and will identify the account that triggered the alert. The message will give you the amount of the deposit.
Example: Deposit Alert for 6-1-70 A deposit for $567.89 has posted to your account.
Loan Payment Reminder
This alert will notify you that your loan payment is coming due. During eAlert setup you will specify the number of days prior to the loan's due date you wish to receive the reminder.
Note: Loan Payment Reminders alert you to the due date and payment amount originally established when the loan was issued. If you are paid ahead on your loan and you setup the Loan Payment Reminder your alert will not take into account your paid-ahead status.
Example: Balance Alert for 6-1-70 Your balance has dropped below $20.00 and is now $14.38
News (fraud alerts, special offers, and information)
This alert will be used by the credit union to forward important information to you. An example would be Phone Scams happening in our area. Timely notification of current scams is critical for preventing you from falling victim to fraudulent behavior. The Subject Line will News Alert and the message will be a short reminder or announcement.
Example: News Alert Phone Scam Alert: Never give your card number to unsolicited callers
Loan Rate Change Alert
This alert will notify you that the credit union's loan rates have changed and will urge you to check out our website if you are interested in viewing the new loan rates.
Example: Loan Rate Alert Check our web site for new loan rates.
Savings Rate Change Alert
This alert will notify you that the credit union's savings rates have changed and will urge you to check out our website if you are interested in viewing the new savings rates.
Example: Savings Rate Alert Check our web site for new savings rates.
Home Banking Successful Log-in Alert
This alert will notify you that your account was logged into using CU Online Home Banking. The Subject will say Login and the message will display the account digit along with the time and date of the login.
Example: Account ****1 was accessed at 9:25 AM on Monday, January 11, 2010
Newsletter Alert
This alert will notify you that a new Quarterly Member Newsletter has been posted to the credit union's website and urges you to take a look if you are interested in finding out what's new at the credit union.
Example: Newsletter Alert Check our web site for a new newsletter.
Is there a fee for this service?
No, eAlerts are a free service provided for our members. If you choose to receive eAlerts on your cell phone, standard charges from your cell provider may apply. Check with your provider or phone plan.
Are eAlerts secure?
Yes, your account information is secure because the e-Alert message contains no personal information other than the last digit of your account number. This is used solely to reference the account in question.
How are eAlerts sent?
You may choose to receive the alerts via e-mail or as a text message to your cell phone.
Can I reply to an eAlert message?
No. For security reasons, we can not respond to questions from regular email addresses. Contact the credit union if you have questions about an alert you have received.
What do I need in order to receive alerts?
Since e-Alerts are sent via standard e-mail protocol, any service that accepts e-mail should be sufficient. The Text Message notifications are actually specially formatted e-mails sent to your phone that appear as a text. If using a cellular telephone to receive e-Alerts, you will need to ensure that your phone is enabled to receive E-Mail to SMS Gateway messages. There may be additional fees from your cellular provider for this type of service.
How often will I receive eAlerts?
The frequency of alerts will depend on your account activity and the eAlerts you have chosen to receive.
How do I setup e-Alerts on my account?
How do I find the Text Message Address for my cellular phone?
The Text Message Address is made up of the cellular phone's phone number followed by the cell provider's specified gateway. Ex: 1111111111@celltextaddress.net
We have provided a few popular cell plan text message addresses below, or contact your service provider for the SMS gateway text message address if you don't see it here:
AT&T 10digitphonenumber@txt.att.net
Cingular 10digitphonenumber@cingularme.com
Nextel 10digitphonenumber@messaging.nextel.com
Sprint PCS 10digitphonenumber@messaging.sprintpcs.com
T-Mobile 10digitphonenumber@tmomail.net
US Cellular 10digitphonenumber@email.uscc.net
Verizon 10digitphonenumber@vtext.com
Virgin Mobile 10digitphonenumber@vmobl.com
How will I know that I've set up eAlerts correctly?
Once you have clicked on Save Changes, log out of Home Banking and immediately log back in. If you have enabled the Successful Login Alert you should immediately receive an eAlert stating the account number (with only the last number visible) that was accessed along with the time and date of the login.
Example: Account ****0 was accessed at 11:11 AM on Wednesday, January 20, 2010
What if I didn't receive my e-Alerts?
If you are able to receive other messages via e-mail and/or cell phone, here are a few things to try:
- Go to the e-Alerts page in Online Banking to verify that your email address/cell phone text message address are correct and that the drop down box next to Successful Logins does not indicate 'No'.
- If you chose an e-mail alert for your Successful Login, check to see if your e-Alert was caught in your spam or bulk email folders.
- If you chose a text message alert for your Successful Login, verify with your cell phone provider that your phone has the capability to receive SMS text messages. Consider changing the alert to 'Receive Via E-mail' if you have internet access and test the alert by logging out and logging back in again.
*SMS stands for short message service. While most mobile providers provide a method for sending SMS messages to handset by email, it is possible that you have a phone that is not capable of receiving the eAlerts.
How will I know the alert is from 1st CCU?
The 'From' box will indicate that the message is from 1st Community CU at info@1stccu.com. The Subject box (where applicable) will indicate the type of alert (i.e. Login)
How can I change my eAlerts?
Click on My Account in Home Banking and click Change my Alerts to modify your settings. Remember to click on Save Changes.
How can I stop receiving eAlerts?
Click on My Account in Home Banking and click Change my Alerts. Use the drop down boxes to reset all alerts to No. Remember to click on Save Changes.
How can I change my Low Balance Alert amount?
Change your eAlert settings at any time by logging into Online Banking and clicking on My Account.
What if my phone number, cell provider, or e-mail address changes?
Update your e-mail address or text message address as soon as possible by logging into Online Banking and clicking on My Account. eAlert messages are not re-sent if your address has changed and you are responsible for keeping your notification settings up-to-date.
I have more than one account; May I use the same phone number or email address for all of my accounts?
Yes, by logging into each account via Online Banking you will have the ability to enter the same phone number or e-mail address for multiple accounts. Depending on your eAlert settings you may receive multiple alerts; each alert will display the last digit of the account that triggered the alert.
If I get a Direct Deposit alert, when are the funds available?
Funds that are electronically deposited to your account are generally available immediately. Certain extenuating circumstances may limit or restrict your ability to withdraw some or all of the funds (i.e. NSF overdrafts, court-ordered holds, etc).
Electronic alerts ("e-Alerts") are automatic messages sent about your 1st Community Credit Union accounts. These voluntary alerts are delivered automatically to your e-mail address or mobile phone as certain conditions are met within your account.
Delivery of Alerts
E-Alerts are sent only to the designated e-mail address or text message address you specify when setting up the alerts. While this is a free service from your credit union, there may be additional charges from your cellular provider when receiving messages on your cellular phone.
The e-mail address or text message address you specify may be changed at any time by clicking on My Account and choosing 'Change my Alerts' within Online Banking. If your e-mail address or text message address should change, it is your responsibility to update the information within Online Banking as soon as possible. (Please also contact 1st CCU to complete a change of address form so we may change this information on our core system)
Individual alerts may be canceled at any time by changing your eAlert settings to the default setting 'No'.
Alert Content
Although only the last number of your account is disclosed, you acknowledge that alerts sent through this system are of a sensitive nature and no encryption or encoding is used when sending messages.
1st Community Credit Union will never disclose or ask you to disclose your account number via e-mail or text.
Disclosure Statement
Though 1st Community Credit Union will attempt to notify you of problems in delivering your alerts, you acknowledge that 1st Community Credit Union is not liable for misdirected, returned, or undeliverable messages as a result of incorrect or invalid address, canceled or inactive e-mail account, lack of internet or cell phone service, or any other factors outside of 1st Community Credit Union's control. Please refrain from relying on the eAlerts service as the primary means of governing your 1st CCU account.
