Bragg Mutual FCU
Bragg Mutual FCU

eALERTS/TEXT BANKING

Note: This guide assumes that you have already setup online banking. If you have not setup online banking, please return to the previous tab on your browser and follow the steps to setup online banking. Once this has been completed, you can return to this page to set up eAlerts

Click here if you want to go directly to Text Banking.


eAlerts

eAlerts are automatic notifications that you will receive, either on a daily basis or when certain conditions have been met. eAlert notifications are sent to your Secure Message Center; when you have set up Mobile Text Banking, these eAlerts are also sent to your smartphone via text.

In order to enable text notifications for eAlerts, you must have both eAlerts activated as well as Mobile Text Banking. We will go over how to setup Mobile Text Banking down below, but first let’s look at eAlerts.

To access eAlerts, hover on the Info Center menu and click on eAlert Subscriptions (as shown below):

When you click on eAlert Subscriptions, you will get a screen like the one below. To subscribe to any of the eAlerts, simply click on the button for the eAlert that you would like to receive:

When you click on a button for a given eAlert, you will be taken to a configuration screen.

Click on a link below for the eAlert that you would like to setup:

Send my notices to me electronically

Tell me my account balance every day

Tell me when my account balance is at a certain level

Tell me when an ACH deposit or withdrawal comes in

Tell me when more than a certain # of transactions post in a day

Tell me when transactions totaling more than a certain $ amount post in a day

Tell me when my loan is due


Send my notices to me electronically

(instructions are shown below the image)

Step 1: This selection is automatically checked as subscribing to this eAlert will stop notices from being mailed to you. Instead, these notices will go to your Secure Message Center.

Step 2: You can choose to receive an e-mail reminder for the notices that are sent to your Secure Message Center. To enable this, choose “Secure Message Center with email reminder”.

Below this is a checkbox that says “Send a message to my mobile device(s)”. Check this box if you want to receive this eAlert on your smartphone via text message.

Step 3: Make sure that the e-mail address shown is a valid e-mail address for you. If it is not, you can change the e-mail address.

When you have completed these steps, click on the blue “Add” button. The eAlert is now active.


Tell me my account balance every day

Step 1: You will choose the account for which you would like to receive the eAlert. Choose your account from the drop-down menu.

Step 2: This item is automatically checked and you do not need to do anything with this step.

Step 3: You will select where you want to receive the alert. You can choose to receive it in your Secure Message Center, receive it in your Secure Message Center along with an e-mail reminder, or have the alert itself sent to your e-mail.

Below this is a checkbox that says “Send a message to my mobile device(s)”. Check this box if you want to receive this eAlert on your smartphone via text message.

Step 4: Make sure that the e-mail address shown is a valid e-mail address for you. If it is not, you can change the e-mail address.

When you have completed these steps, click on the blue “Add” button. The eAlert is now active.


Tell me when my account balance is at a certain level

Step 1: You will choose the account for which you would like to receive the eAlert. Choose your account from the drop-down menu.

Step 2: You can choose to select the range(s) for which you receive alerts. If you want to receive an alert when your account balance goes above a certain amount, enter that amount into the first box in step 2. If you want to receive an alert when your account balance goes below a certain amount, enter that amount into the second box in step 2.

You are also asked if you would you like to receive either the Available balance or the Actual balance. We STRONGLY recommend leaving this on the Available balance option as the balance will take into account transactions that are on hold (such as pending debit card transactions).

Step 3: You will select where you want to receive the alert. You can choose to receive it in your Secure Message Center, receive it in your Secure Message Center along with an e-mail reminder, or have the alert itself sent to your e-mail.

Below this is a checkbox that says “Send a message to my mobile device(s)”. Check this box if you want to receive this eAlert on your smartphone via text message.

Step 4: Make sure that the e-mail address shown is a valid e-mail address for you. If it is not, you can change the e-mail address.

When you have completed these steps, click on the blue “Add” button. The eAlert is now active.


ACH Deposit or Withdrawal

Step 1: You will choose the account for which you would like to receive the eAlert. Choose your account from the drop-down menu.

Step 2: You will choose which alerts you would like to receive. You can choose either option or both. Check which eAlerts you would like to receive.

Step 3: You will select where you want to receive the alert. You can choose to receive it in your Secure Message Center, receive it in your Secure Message Center along with an e-mail reminder, or have the alert itself sent to your e-mail.

Below this is a checkbox that says “Send a message to my mobile device(s)”. Check this box if you want to receive this eAlert on your smartphone via text message.

Step 4: Make sure that the e-mail address shown is a valid e-mail address for you. If it is not, you can change the e-mail address.

When you have completed these steps, click on the blue “Add” button. The eAlert is now active.


Tell me when more than a certain # of transactions post in a day

Step 1: You will choose the account for which you would like to receive the eAlert. Choose your account from the drop-down menu.

Step 2: You can choose whether you want the system to keep track of deposits or withdrawals. You can also specify a total number of transactions that need to take place for you to receive the eAlert.

Step 3: You will select where you want to receive the alert. You can choose to receive it in your Secure Message Center, receive it in your Secure Message Center along with an e-mail reminder, or have the alert itself sent to your e-mail.

Below this is a checkbox that says “Send a message to my mobile device(s)”. Check this box if you want to receive this eAlert on your smartphone via text message.

Step 4: Make sure that the e-mail address shown is a valid e-mail address for you. If it is not, you can change the e-mail address.

When you have completed these steps, click on the blue “Add” button. The eAlert is now active.


Tell me when transactions totaling more than a certain $ amount post in a day

Step 1: You will choose the account for which you would like to receive the eAlert. Choose your account from the drop-down menu.

Step 2: You can choose whether you want the system to add up deposits or withdrawals. You can also specify a total $ amount of these transactions that need to take place for you to receive the eAlert.

Step 3: You will select where you want to receive the alert. You can choose to receive it in your Secure Message Center, receive it in your Secure Message Center along with an e-mail reminder, or have the alert itself sent to your e-mail.

Below this is a checkbox that says “Send a message to my mobile device(s)”. Check this box if you want to receive this eAlert on your smartphone via text message.

Step 4: Make sure that the e-mail address shown is a valid e-mail address for you. If it is not, you can change the e-mail address.

When you have completed these steps, click on the blue “Add” button. The eAlert is now active.


Loan Payment Due eAlert

Step 1: You will choose the account for which you would like to receive the eAlert. Choose your account from the drop-down menu.

Step 2: You can choose the number of days prior to the due date when you would like to receive the eAlert. You can also choose to receive a reminder after the due date (if you miss the payment).

You can also elect to skip this eAlert although if the amount due on the loan is $0.

Step 3: You will select where you want to receive the alert. You can choose to receive it in your Secure Message Center, receive it in your Secure Message Center along with an e-mail reminder, or have the alert itself sent to your e-mail.

Below this is a checkbox that says “Send a message to my mobile device(s)”. Check this box if you want to receive this eAlert on your smartphone via text message.

Step 4: Make sure that the e-mail address shown is a valid e-mail address for you. If it is not, you can change the e-mail address.

When you have completed these steps, click on the blue “Add” button. The eAlert is now active.


Text Banking

Setting up Text Banking gives you the ability to do two things: The first is that you can receive your eAlerts as text messages. Secondly, you can use commands via text to check balances and perform certain transactions.

You can register your mobile phone for Text Banking before you set up your eAlerts or you can set up it as you are setting up eAlerts.

To access Text Banking, hover on the Go Mobile menu and click on the blue “More Information” button under Text Banking (as shown below):

Clicking on “More Information” brings up the screen below:

Membership Information

The first thing you will want to do is set up a nickname for the membership. The nickname you set will be used when checking your balance and performing transactions via Text Banking. Click on the green “Edit” button to access the screen shown below.

Step 1: Enter the nickname you want to use for your membership in Text Banking. The screen will show you the requirements and limitations for your membership nickname.

Step 2: Click on the checkbox to accept the Terms and Conditions of Text Banking.

Step 3: The online banking system requires you to assign an account where fees would be withdrawn. (NOTE: There are no fees for using Online Banking, eAlerts or Text Banking, other than the messaging rates as determined by your mobile carrier).

Below this is a checkbox that says “I accept the Text Banking Fees Schedule. Click the checkbox.

Step 4: Click on Submit to complete enrollment, or click Cancel if you do not want to enroll in Text Banking.


Currently Enrolled Phone Numbers

Once you have setup a nickname for your account, you can go to the next section and click on the green “Add One Now!” button. The window shown below will appear.

On this screen, you will enter your mobile phone number. When you have entered your number, click on the blue “Send Code Now” button. You will receive a text on your mobile phone with a verification code. Enter the code in the block underneath “Please type in your verification code” and click on the blue “Enroll Phone” button.

Once you have enrolled your mobile phone number with Text Banking, you can begin receiving your eAlerts via text. Go to the eAlerts page above for instructions on how to configure your eAlerts (if you have not already configured them).

If you would like to use Text Banking so that you can check your balances and perform transactions via text, please see the next section below.


Text Banking: Transfer Codes

At the bottom of the Text Banking screen is the orange button “Transfer Codes”. Transfer Codes allow you to easily transfer funds between your accounts with a simple text message

When you click on “Transfer Codes”, you will get a screen like the one shown below.

You will choose the account that you want to transfer the funds from, the account that you want to transfer the funds to, and the code that you want to use for this transfer. When you have completed these items, click on “Submit” in order to create the transfer code.

In the example above, we have assigned the code MYCODE to a transfer from the CHECKING account to the MASTER SAVINGS ACCT. You can set up multiple codes for different transfers that you would like to perform.

Now that you have setup your membership nickname, enrolled your mobile phone for text banking and set up your transfer codes, now we can begin using Text Banking.


Text Banking: Commands

Whenever you want to use Text Banking, you will send a text to the number IM247 (46247). Below are the commands that you can use with Text Banking.

In our example, our membership is nicknamed MAMA and we have set the transfer code MYCODE for a transfer from the CHECKING account to the MASTER SAVINGS account.

If we wanted to check the balance on all eligible accounts, we would text BAL to 46247. Within seconds, we will receive a text that will show all of our balances. This is the fastest way to check a balance. 

If we wanted to use our transfer code MYCODE to transfer $100.00 from our CHECKING account to our MASTER SAVINGS account, we would text TRANS MYCODE 100.00 to 46247. Again, within seconds, we will receive a text confirming the transfer and showing the new balance of the account receiving the transfer.

The above image shows all of the Text Banking commands that are available for use. You can see your commands by going to Text Banking (within online banking) and clicking on the blue “Personalized Command List” button.

It’s Better Banking for Everyone.

PHONE (910) 222-1500