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What are overdraft text alerts?

An overdraft text alert is a text message we send to let you know that: 

  • You may go into an unarranged overdraft that working day
  • You have entered into an unarranged overdraft
  • You may go into an arranged overdraft
  • You have entered into an arranged overdraft
  • You don’t have enough funds in your account to make all of your scheduled payments that working day.

The message can give you the opportunity to pay in sufficient funds and bring your account balance back to either a positive balance, or within your arranged overdraft limit. This is to help you reduce or avoid charges and/or paying interest. They will be sent to all personal current account customers who have registered their mobile phone number with us, with the exception of those who have a Cashminder account.

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Related Articles

  • How often will I receive overdraft text alerts?

    If we have a mobile number registered for you, we'll send you overdraft text alerts when you go into or are about to go into an arranged or unarranged overdraft. We'll also send alerts if you have payments due that may not get paid.
    Learn more

  • 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
    Learn more

  • 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.
    Learn more