IU Credit Union offers a variety of account alerts. Many of these alerts are near real-time. These alerts are different than the alerts that are currently available in Online Banking, which are not sent near real-time.
The alerts listed below can be sent to you via text^* and/or email. Each account signer can have their own set of alerts. If you are interested in setting up, modifying or deleting any of the account alerts listed below, please submit a "New Ticket" or call 812-855-7823, Option 3 and speak with a representative.
If you submit a "New Ticket", be sure to include the following:
- Account Number(s) you want the alerts on
- Text and/or email. Be sure to include your mobile phone and email address. If we do not have this information on file, we will update your account record
- Alert Name(s)
- Interval, if the Alert Description/Interval allows you to choose
- Amount, if alert is generated on amount
- Number of days for Loan Alerts, if needed
You can request any of the following alerts:
ending ACH Deposit
| Alert Name | Alert Description/Interval | Delivery |
|---|---|---|
| All Share and Loan Balances | Provides account balances. Indicate how often you want to receive this alert. | Alert is sent at 9:00 AM ET |
| Address Change | Alert is generated anytime an address change occurs on the primary address | Near real-time* |
| New Share or Loan Opened | Alert is generated when a new share or loan is opened | Near real-time* |
| Specific Share Balance | Select what share(s) you want to receive a balance on and how often you want to receive this alert. | Alert is sent at 9:00 AM ET |
| Balance Falls Below | Alert is generated when a transaction posts that causes the share balance to go below the threshold amount that you designate. Amount must be in whole dollars (Example: $16.00 instead of $16.10). If you want all amounts, request 0.00. | Near real-time* |
| Withdrawal transaction exceeds | Alert is generated when a withdrawal posts for more than the threshold amount that you designate. Amount entered must be in whole dollars (Example: $16.00 instead of $16.10). If you want all amounts, request 0.00. | Near real-time* |
| Pending ACH Deposit | Alert generated when an electronic deposit, from ACH only, is pending/warehoused for more than the threshold amount entered. Amount entered must be whole dollar (Example: $16.00 instead of $16.10) | Near real-time* |
| Payroll/Electronic Deposit posts for more than | Alert is generated when an electronic deposit, from ACH or payroll processing only, posts for more than the threshold that you designate. Amount entered must be in whole dollars (Example: $16.00 instead of $16.10). If you want all amounts, request 0.00. | Near real-time* |
| Debit card authorization pending for more than | Alert generated when a debit authorization is received for more than the threshold that you designate. Amount entered must be in whole dollars (Example: $16.00 instead of $16.10). If you want all amounts, request 0.00. | Near real-time* |
| Non-Sufficient Funds Item | Alert is generated when a non-sufficient funds fee posts. | Near real-time* |
| Loan Payment Posted | Alert is generated when a loan payment posts. | Near real-time* |
| Loan Advance exceeds - this alert is only available on revolving loans | Alert is generated when a loan advance posts for more than the threshold you designate. Amount entered must be in whole dollars (Example: $16.00 instead of $16.10). If you want all amounts, request 0.00. | Near real-time* |
| Loan Payment past due # days - this only applies to personal and business loans. It does not apply to mortgage loan or credit cards | Alert is generated when a loan is past due by more than the threshold number of days you designate. Select the threshold number of days. (Example: 3 days) | Alert is sent at 9:00 AM ET |
| Reminder payment due # days | Alert is generated when a loan is past due by more than the threshold number of days you designate. Select the threshold number of days. (Example: 3 days) | Alert is sent at 9:00 AM ET |
* Alerts may not be generated near real-time if our system is down or we are running our end of day process. In these situations, the alert should be generated around 9:00 AM ET the next morning.
^There is no IUCU text fee; however, your standard text messaging rates apply, if applicable.