|
|
 |
BayFedOnline Financial Alerts
|
BayFedOnline Financial Alerts allow you to set up free email and text message warnings for specific occurrences in your account. When properly set up. Financial Alerts can help you:
- Avoid bounced checks, overdraft transfers, and related fees with low balance alerts.
- Avoid over-limit fees on your Visa Credit Card account with high balance alerts.
- Find out when checks of a specific amount or number clear your account.
- Monitor when electronic payments are made.
You must have a BayFedOnline account to use Financial Alerts.
If you need assistance with your Financial Alerts set up options, please contact Bay Federal Credit Union at 831.479.6000 or 888.4BAYFED, option 3.
How do Financial Alerts work?
How to set up Financial Alerts
How Financial Alerts can help you manage your accounts
Important Information to help you get the most from Financial Alerts
How do Financial Alerts work?
Financial Alerts use criteria selected by you to trigger alert messages for various account occurrences. Messages can be set up for delivery to your email address, your mobile phone email (as a text message) or your BayFedOnline Messages page (or all three depending upon the your preference).
How to set up Financial Alerts
Step One: Set up your email and mobile phone email addresses
- Log in to your accounts through BayFedOnline
- Select My BayFedOnline from the side bar.
- Enter your Current Password. Your Password is required to add and change email and mobile phone email addresses and other personal information in BayFedOnline.
- Enter your email and mobile phone email addresses. You may enter your personal or work email or mobile phone email addresses – one email address per text box. Your primary address should be the one you would like messages sent to first. Enter your address carefully to avoid input errors.
- Scroll to Email and Text Alerts at the bottom of the page.
- Next to Financial Alerts, choose how you would like to have messages delivered.
To have messages sent to your BayFedOnline Messages (available only when you log in to your accounts), check the Messages box.
To have messages sent to your email and/or mobile phone, check the Email, then choose which email/mobile phone email addresses to send them to.
To have messages sent to your email, mobile, phone, and BayFedOnline Messages, check both the Email and Messages boxes."
- Click Continue to save your information
Step Two: Set Up your Financial Alerts Criteria
- On the My BayFedOnline page, click on the Financial Alerts link.
- Click the Add Financial Alerts button.
- Choose any account listed in the Account drop down menu.
- In the Notify Me areas, select alert criteria that is applicable to the account you have chosen.
- Click Continue to save your alert.
- Check your list to make sure your alerts appear and are loaded correctly.
Set up as many alerts as you want on any account that appears on your BayFedOnline account screen. Information about adding additional accounts.
Financial Alerts can help you manage your Bay Federal accounts with various set up options. Because everyone's set up preferences will be unique, we recommend that you monitor your accounts and alerts frequently to make sure your selected preferences trigger messages at the right time.
How Financial Alerts can help you manage your accounts
| Here are a few examples to show you how Financial Alerts can be set up to let you know about certain account occurrences: |
| If you want to: |
Select this account: |
Use this set up area: |
Try a set up like this: |
| Prevent Bounced Checks and Overdrafts |
Checking |
Setup Balance Alerts |
Select "Notify me when my available balance is less than" and choose an amount. When your balance drops below that amount, you will receive a message.
If you choose $100 and you write checks or make payments for more than that amount, you may want to set a higher limit. |
| Keep Track of Electronic Payments |
Checking, Savings, or Visa Credit Card |
Setup Other Transaction Alerts |
Under "Transaction Type," select "Electronic funds transaction occurred," then select criteria that will trigger a message when an electronic payment is made that is greater than, less than, or equal to a specific amount. |
| Manage Incoming Deposits |
Any |
Setup Other Transaction Alerts |
Under "Transaction Type," select "Electronic funds transaction occurred," then select criteria that will trigger a message when a deposit is made to your selected account that is greater than, less than, or equal to a specific amount. |
| Find Out when a Specific Check Clears |
Checking |
Setup Check Transaction Alerts |
Input up to three different check numbers, or select criteria to trigger a message when a check clears that is greater than, less than, or equal to the amount you enter. |
If you need assistance with your Financial Alerts set up options, please contact Bay Federal Credit Union at 831.479.6000 or 888.4BAYFED, option 3.
How to figure out your Mobile Phone Email Address
Most mobile phones have the ability to receive short text messages, called short message service (SMS). SMS messages can be sent to mobile phones from any other mobile phone, e-mail address account, or from a form at the mobile phone provider's web site.
To send SMS text messages to a mobile phone, all you need is the mobile phone's email address. A mobile phone's email address is easy to figure out:
- Start with the phone's 10-digit telephone number. Do not start with a "1" in front of the area code, and do not use hyphens, parenthesis, periods, or any other special characters.
- Add the @ symbol
- End with the mobile phone provider's email format.
Here's an example of how to figure out your mobile phone's email address:
- Say that Verizon Wireless is your mobile phone carrier, and your mobile phone number is 831.555-5555.
- The email format for Verizon Wireless customers is <YourPhoneNumber>@vtext.com
- Replace <YourPhoneNumber> with your mobile phone number
- Your mobile phone email address is 8313450101@vtext.com
Here are a few examples of text message formats for several different mobile phone service providers. The mobile phone email address samples listed here are examples and may not be correct. Not all providers have been listed. To verify the correct format for your mobile phone service provider, contact your provider or visit their website.
| AT&T Wireless |
<YourPhoneNumber>@txt.att.net |
| MetroPCS |
<YourPhoneNumber>@mymetropcs.com |
| Sprint Nextel |
<YourPhoneNumber>@messaging.nextel.com |
| Sprint PCS |
<YourPhoneNumber>@messaging.sprintpcs.com |
| T-Mobile |
<YourPhoneNumber>@tmomail.net |
| Verizon |
<YourPhoneNumber>@vtext.com |
|
Important Information to help you get the most from Financial Alerts
Mobile Phone Email Addresses and Text/Email Messages
- As with any text or email message, you should always verify the email address before sending important information.
- Mobile phone text messages and emails are not guaranteed to arrive at their intended destination, nor are they guaranteed to be delivered within any specific time period.
Limited Message Length. Depending on your mobile phone carrier, messages received by typical mobile phones are usually limited to 160 characters, including the header lines. Messages longer than the maximum may be cut off or received as multiple text messages.
Financial Alerts message are pre-set to a specific length that is longer than 160 characters, so messages sent to your mobile phone may not contain the complete text. To make sure you receive the full message text:
- Log on to BayFedOnline and go to the My BayFedOnline page.
- Make sure your mobile phone email and an alternate email address are listed in your personal information.
- Scroll down to Financial Alerts, make sure the box next to Email is checked, and select All Email Addresses.
- If the next Financial Alerts message you receive on your mobile phone does not contain enough information, check your email for the full text of the same message.
- Be sure to delete old alert messages from your email so you don't mistake them for new messages.
Loading Additional Accounts to your BayFedOnline Accounts Screen.
- Make sure you are the account owner, a joint owner/signer, or a co-borrower on the account.
- Select Accounts from the sidebar menu.
- Click Add Account.
- Enter the account number and the name of the account (or how you would like the account to display on your screen), then select the account type and click Continue to save.
- Make sure that the account appears on your account screen.
- To change the display name of any account, go to the Accounts page and click Edit Account.
- To remove an account from your screen, go to the Accounts page and click Remove Account.
|
Bay Federal Credit Union offers BayFedOnline Financial Alerts as an optional service to help our members manage their financial accounts. Although we offer this service free of charge, fees may be assessed by mobile phone service providers for incoming text and/or email messages. We do not guarantee that messages sent by Financial Alerts will prevent negative account occurrences/transactions or service fees. The effectiveness of Financial Alerts depends largely upon individual set up preferences, message delivery reliability, and other variables that may be beyond our control. Unknown service interruptions and interference may delay or prevent delivery of messages, and there is no guarantee that set up preferences will trigger messages that will prompt effective user responses intended to avoid negative account occurrences and/or fees, or that messages sent to users by BayFedOnline Financial Alerts will arrive to an email or mobile phone in a timely manner. Therefore, it is important that users keep account records up to date, review account activity regularly, and that users do not rely solely on received messages to alert them to account occurrences that may result in fees.
Back To Top
Contact Bay Federal: 831.479.6000
|
