Alerts

How Another Chance works

• Register for the Another Chance Alert¹

• Receive reminders to pay your items

• Make a deposit or transfer funds to avoid an NSF²

Receiving Another Chance notifications

Another Chance notifications are sent when your Checking and protecting accounts do not have sufficient available funds to pay an item. Notifications are delivered via text message to your registered mobile device or via secure message to your Message Center at a time you select. When registering for the alert, select a notification time early enough in the day to allow enough time for you to make a branch deposit or transfer funds by close of business (5:30 p.m. ET).

Making a deposit or transfer

To pay Another Chance items, you must deposit² or transfer funds to your Checking Account no later than 5:30 p.m. ET on the day specified in your Another Chance notification.

• Deposit cash or checks^3,4 at any branch location

• Deposit cash at any CashPoints® ATM⁴

• Transfer funds from another SECU account through any of our service channels (in person, over the phone, or online)

If your deposit or transfer occurs after 5:30 p.m. ET, your item will be returned and you may incur an NSF fee.

We will send notifications to your mobile device when the following activity for a single transaction meets or exceeds a minimum threshold amount you set:

• Single or recurring purchases

• Authorizations

• ATM credit card cash advances

You will also be notified when your credit card is declined for any of the following reasons, regardless of your minimum threshold amount:

• Invalid PIN

• Invalid expiration date

• Card has expired

• Purchase amount exceeds available credit on the credit card

• Requested amount exceeds the daily cash withdrawal limit on the credit card

• Credit card is blocked

Sign up via Member Access and enter the desired threshold amount. You can set up a Quiet Period⁵ if there are times you do not wish to receive notifications.

We also continuously monitor your credit card for irregular activity and will notify you if detected. Learn more about irregular card activity alerts.

We will send notifications to your mobile device when the following activity for a single transaction meets or exceeds a minimum threshold amount you set:

• Single or recurring purchases

• Authorizations

• ATM withdrawals from the primary Checking Account only

• ATM transfers made to or from the primary Checking Account only

You will also be notified when your debit card gets declined for any of the following reasons, regardless of your minimum threshold amount:

• Invalid PIN

• Invalid expiration date

• Card has expired

• Available funds are insufficient to pay the purchase amount (NSF)

• Amount exceeds the daily spending limit or cash withdrawal on the debit card

Sign up via Member Access and enter the desired threshold amount. You can set up a Quiet Period⁵ if there are times you do not wish to receive Debit Card Alerts.

We also continuously monitor your debit card for irregular activity and will notify you if detected. Learn more about irregular card activity alerts.