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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 message alert when:

You have scheduled payments that could not be paid

This means you don’t have enough funds in your account to pay all of your scheduled payments due out that working day. You will have until 2pm on the day your scheduled payments are due out to transfer sufficient funds in to avoid them not being paid.

You may enter into an unarranged overdraft

This means that payments have left your account that day and have taken you into an unarranged overdraft. You will have until 9pm on the day your scheduled payments leave your account to transfer sufficient funds in to avoid or reduce charges and/or paying interest.

You have entered into an unarranged overdraft

This means your balance has gone below zero (if you don’t have an arranged overdraft) or you have exceeded your arranged overdraft limit. You will have until 9pm on the day you have entered into an unarranged overdraft to transfer sufficient funds to avoid any future charges and/or paying interest.

If you have followed the instructions on the text alert to credit the account by the time specified, you do not need to do anything else, so there is no need to contact us. Please note that any subsequent transactions will need sufficient funds to be available or you may enter into your overdraft again.

Overdraft text alerts are sent to all personal current account customers, with the exception of those who have a Cashminder account.

For more information on account charges, please read your account charges leaflet for your current account.

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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.
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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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