Text Alerts – Personal Current Accounts

Staying in control

Here’s what you should do if you get an alert:

1) If there aren’t enough cleared funds in your account to pay a standing order, cheque, future dated payment and/or direct debit.

  • You should check your standing orders and direct debits due on the day. To be sure of amounts, you might want to contact your direct debit originators. If you use digital banking you can check your future dated payments, on 365 online, ‘Money Transfer’ menu, option ‘View payments pending’.
  • Make sure you transfer enough money bearing in mind any withdrawals from cash machines or debit card purchases made, as they will also reduce your account balance
  • If you can make a cash deposit or transfer enough cleared funds by 2pm, you could avoid fees and the payment could go through
  • If not enough cleared funds are available by this time, your payments will most likely be refused and you will incur unarranged overdraft charges

2) A payment was refused due to lack of funds

  • There wasn’t enough money in your account to pay one or more payments (cheques, direct debits or standing orders) or the payment would have taken you past the arranged overdraft limit, so we declined these payments and you will incur unpaid transaction fee(s)
  • We recommend you check your account to understand what payments have not been paid and contact the payment recipient(s) to understand how the payment(s) can be made or retried
  • To avoid fees in future, make sure you have sufficient cleared funds in your account to cover all your outgoings.  If you think you would benefit from an arranged overdraft facility call us on 0800 0850 444#

3) If your current account has gone into an unarranged overdraft

  • There wasn’t enough money in your account to pay one or more payments (cheques, future dated payments, direct debits or standing orders) or the payment would have taken you past the arranged overdraft limit, however we allowed the payment(s) despite lack of funds so your account is now in an unarranged overdraft position
  • You should check your online banking or statements to understand which payment(s) have put your account into an unarranged overdraft
  • Try to return your account to credit or within your arranged limit to avoid further interest or fees
  • While your account remains in unarranged overdraft, future payments may not be made and you will not receive further text alerts
  • To avoid unarranged overdraft fees and interest in future, please ensure you have sufficient cleared funds in your account to cover all your outgoings. You can talk to us if you think you could benefit from an arranged overdraft facility on 0800 0850 444#

4) If your current account has gone into an arranged overdraft

  • Try to return your account to credit to reduce any interest that may be accruing.
# Mon-Fri 9am–5pm, Sat 9am–2pm, UK Bank Holidays 9am–2pm, closed on Sunday. For your security and to improve our service to you, we may record and monitor phone calls for training purposes.