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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.

If you have a valid mobile number registered with us, to help you manage your account and avoid / reduce charges, we will automatically send an overdraft text alert to notify you when you are about to enter, or when you have entered 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. This will give you the opportunity to pay in sufficient funds to bring your account balance back to either a positive balance, or within your arranged overdraft limit. Please note, text alerts are not sent on Cashminder accounts.

If you haven't already, you can register your mobile phone number via online banking or our mobile app.
Online banking
1. log in to online banking.
2. Once you have logged in, go to ‘Profile’ and select ‘change your contact details’.
3. You will need your card reader and a valid debit card to do this.


Don't have a card reader? Use our mobile app
1. Simply log in.
2. From the "My settings and details" page, choose "update number or email" from the bottom of the page.

Find out more about the Overdraft Alerts Service.

If you have opted into Everyday Rewards and you go over your arranged overdraft limit on your nominated account, you will not earn Rewards that month.

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Related Articles

  • 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.
    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