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Overdrafts

  • How often will I receive overdraft text alerts?

    You will receive an overdraft text alert either before you go into or when you enter into an unarranged overdraft. The alerts will also be sent when you don’t have enough funds in your account to make all of your scheduled payments that working day.
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  • Are overdraft text alerts secure?

    Yes, they are secure. The text message will come through with the name ‘Co-optiveBk’ as the sender and we’ll only include the last four digits of your account number
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  • Can I opt back into receiving overdraft text alerts if I have opted out?

    : Yes, you can opt back into receiving overdraft text alerts at any time.
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  • Which current accounts offer an overdraft?

    Our Current Account offers an overdraft facility.
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  • What happens to my Student Account overdraft when I graduate?

    Your account will remain the same for the first 12 months after you graduate, with an interest-free overdraft. After this date, your account will be converted to a Current Account and interest would apply to any outstanding overdraft.
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  • What is an unarranged overdraft?

    An 'Unarranged overdraft' is when you spend more than the balance of your account, without having agreed an 'Arranged overdraft' with us
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  • What's an arranged overdraft?

    This is an agreed overdraft that you apply for in advance.
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  • What overdraft do I get with my Student Current Account?

    This account is no longer available to new or existing customers. If you already have a student account, all the features and benefits of the account will still apply.
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  • What is an overdraft?

    An overdraft is a short term borrowing facility on your account.
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  • Will I be charged for having an overdraft?

    Any charges will depend upon the individual circumstances of your overdraft.
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  • What happens if I go over my overdraft limit?

    If you go over your overdraft limit, we refer to this as an 'Unarranged overdraft'. Information on the charges for this service can be found on our overdrafts page.
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  • What are overdraft text alerts?

    An overdraft text alert is a text message to notify you either before you go into, or when you have entered in to an unarranged overdraft. The alerts will also be sent when you don’t have enough funds in your account to make all of your scheduled payments that working day
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  • I have received an overdraft text alert but I can’t pay in by the time it tells me to, what will happen?

    This will depend on the content of the message you have received, but it’s important to pay in sufficient funds as soon as possible to avoid any further charges.
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  • I have received an overdraft text alert, what charges could I incur?

    There are different charges dependant on your circumstances.
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  • How do I opt into receiving overdraft text alerts?

    You are automatically opted in to receiving the overdraft text alerts providing we have a mobile phone number registered for you.
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  • When will you send me overdraft text alerts?

    Providing we have a registered mobile number for you, we will send you an overdraft text alert either before you go into or when you have entered in to an unarranged overdraft. The alerts will also be sent when you don’t have enough funds in your account to make all of your scheduled payments that working day.
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  • I have received an overdraft text alert – how do I know what scheduled payment(s) it is referring to?

    This will be referring to your scheduled payments such as your direct debits, standing orders or any future dated bill payments.
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  • Can I opt out of receiving overdraft text alerts?

    Yes, you can opt out of or opt back into receiving overdraft text alerts at any time.
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  • I have received an overdraft text alert, how can I pay in?

    There are many ways in which you can pay in to your account, but it’s important to pay in cleared funds.
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  • What is the overdraft charges cap?

    A monthly cap is a limit on how much we charge for an unarranged overdraft.
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