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Q.   What are Account Alerts?
Q.   What types of Account Alerts does U.S. Bank offer?
Q.   How many addresses can I have my Account Alerts sent to?
Q.   How do I find out my wireless (text message) address?
Q.   Can I get Account Alerts on my cell phone?
Q.   How do I activate and deactivate my Account Alerts?
Q.   Why can't I deactivate or delete an Online Statement Account Alert?
Q.   Why do I have trouble receiving my Account Alerts?
Q.   What should I do if my email or wireless (text message) address changes?
Q.   What should I do if I lose my pager or wireless device?
Q.   Are Account Alerts safe?
Q.   How do I ensure the security of my Account Alert information?
Q.   Can I view the history of the Account Alerts I've received?
Q.   When are Account Alerts delivered?
Q.   Will I ever receive multiple Low Balance or Negative Balance Account Alerts in a single business day for my checking or savings account?
Q.   Will I incur an overdraft fee or returned check charge when I receive a Negative Balance Account Alert?
Q.   How is my Available Balance determined on my U.S. Bank Checking or Savings account?
Q.   When will I receive notification that my account transferred funds for Overdraft Protection?
Q.   Will I receive an alert for each account that transfers money for Overdraft Protection?
   

   
Q.   What are Account Alerts?
A.  

Account Alerts are opt-in notifications that notify you via email or wireless (text message) address when specified account activity occurs.

   
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Q.   What types of Account Alerts does U.S. Bank offer?
A.   We currently offer the following Account Alerts:

Checking Account Alerts notify you when:

  • Online Statement is available to view within U.S. Bank Internet Banking.
  • Your available balance falls below the amount you specify.
  • Your available balance becomes negative.
  • Deposits or withdrawals are greater than, less than or equal to an amount you specify.
  • An Overdraft Protection transfer has occurred and when an account is removed or added for Overdraft Protection.

ATM and Check Card Alerts notify you in Real Time when:

  • There is a suspicious transaction; when suspicious or irregular activity is detected that may indicate fraud.
  • A transaction meets or exceeds the amount you specify.
  • A credit (like a refund from a store) is posted to your account.
  • A debit (a charge) posted to your account fulfills the criteria you specify.
  • Your card is not present; when an online, mail-order or telephone purchase is made.
  • There is an international transaction; when your card’s country code does not match the merchant’s country code.
  • There is an ATM withdrawal with your card.
  • There is a declined transaction, when a transaction is not allowed with your card.
  • There is a gas station purchase made with your card.

Savings Account Alerts notify you when:

  • Online Statement is available to view within U.S. Bank Internet Banking.
  • Your available balance falls below the amount you specify.
  • Your available balance becomes negative.
  • Deposits or withdrawals are greater than, less than or equal to an amount you specify.

Certificates of Deposit Account Alerts notify you when:

  • Your CD is maturing. This alert is sent approximately 15 days prior to maturity.

Consumer and Small Business Credit Cards, Small Business Charge Card, CreditLine, Premier Line, Premier Line Plus and Investment Equity Line of Credit Account Alerts notify you when::

  • Your Online Statement is available to view within U.S. Bank Internet Banking.
  • Your balance exceeds the amount you specify.
  • Your payment is due. This alert will be sent 20 to 25 days before your payment is due.
  • Your payment is overdue.
  • A payment is posted to your account.
  • A credit (like a refund from a store) is posted to your account.
  • When a debit (charge) that fulfills the criteria you specify is posted to your account.

Consumer Loan, Lease and Home Equity Line of Credit Account Alerts notify you when:

  • Your Online Statement is available to view within U.S. Bank Internet Banking.

Small Business Loan and Line Account Alerts notify you when:

  • Your Online Statement is available to view within U.S. Bank Internet Banking.
   
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Q.   How many addresses can I have my Account Alerts sent to?
A.  

You can choose a combination of up to three email and/or wireless (text message) addresses.

   
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Q.   How do I find out my wireless (text message) address?
A.  

Call your service provider to get your wireless address.

   
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Q.   Can I get Account Alerts on my cell phone?
A.  

Yes. You can get Account Alerts on any wireless device, including cell phones. Make sure you provide us with the correct wireless (text message) address associated with your wireless device when setting up your alerts (your cell phone or other wireless number won't work).

   
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Q.   How do I activate and deactivate my Account Alerts?
A.  

You can activate and deactivate your Account Alerts by selecting alerts from the "Your Alerts" screen and choosing the "Inactive" or "Active" option.

   
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Q.   Why can't I deactivate or delete an Online Statement Account Alert?
A.  

Online Statement Account Alerts are a required feature for receiving Online Statements Only. If you have enrolled for Online Statements Only, the Online Statement Account Alert for that account cannot be deactivated or deleted. To un-enroll for Online Statements Only and deactivate or delete the Online Statement Account Alert, contact us.

   
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Q.   Why do I have trouble receiving my Account Alerts?
A.  

You may have trouble receiving Account Alerts for a variety of reasons.  Try the following troubleshooting tips:

  • Make sure your email and/or wireless addresses are correct.
  • Check to see if your Internet Service Provider is delivering your email messages to a "Bulk" folder in your email box. To ensure that you receive your Account Alerts, add us to your address book (alerts@cs.usbank-email.com).
  • If you continue to have problems, contact us.
   
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Q.   What should I do if my email or wireless (text message) address changes?
A.  

To change your email or wireless (text message) address for your Account Alerts, choose to edit your alerts and modify the address.

   
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Q.   What should I do if I lose my pager or wireless device?
A.  

You should change your wireless (text message) address for your Account Alerts to an alternate address by choosing to edit your alerts and modify the address. If you don't have an alternate email or wireless (text message) address, you should temporarily deactivate your Account Alerts by selecting the alerts from the "Your Alerts" screen and choose the "Inactive" option.

   
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Q.   Are Account Alerts safe?
A.  

Yes. At U.S. Bank, protecting your privacy is our priority. Only the last four digits of your account number are sent in an Account Alert. In addition, we will never request personal information (like your Personal ID, Password, Social Security Number, PIN or Account Number) via email. For your safety, we recommend that you do not share this information with anyone, at any time. Sharing such information gives the recipient full access to your account. If you receive emails requesting personal information, please forward to fraud_help@usbank.com or call U.S. Bank Customer Service immediately at 800-US BANKS (872-2657).

   
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Q.   How do I ensure the security of my Account Alert information?
A.  

To protect your security and privacy, and ensure it's not viewed by anyone else, we strongly suggest that you close your browser immediately after reviewing your Account Alerts.

   
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Q.   Can I view the history of the Account Alerts I've received?
A.  

Yes. You can view the history of the Account Alerts that were sent to you by looking at the "Alert History" page. The history of your Account Alerts is saved for 90 days.

   
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Q.   When are Account Alerts delivered?
A.  

We may send Account Alerts multiple times a day to ensure you receive timely information regarding your accounts. Many Account Alerts are triggered when an actual transaction posts to your account; some of your transactions post to your account immediately, while other transactions only post once a day. You can expect to receive Account Alerts no later than one business day from the triggering event. For additional questions, contact us.

   
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Q.   Will I ever receive multiple Low Balance or Negative Balance Account Alerts in a single business day for my checking or savings account?
A.  

You will receive only one Account Alert when your available balance falls below the selected threshold, regardless of the number of transactions posted below the threshold. However, you'll get another Account Alert if account activity moves your available balance above and then below the threshold again within the same business day.

   
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Q.   Will I incur an overdraft fee or returned check charge when I receive a Negative Balance Account Alert?
A.  

You will receive an Account Alert when a transaction posts to your account that causes your available balance to become negative. Subsequent account activity may make your end-of-day available balance positive and prevent an overdraft condition. Additionally, if you have sufficient overdraft protection in place, funds may be credited to your account at the end of the day to cover the deficit.

   
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Q.   How is my Available Balance determined on my U.S. Bank Checking or Savings account?
A.  

Available Balance represents the funds in your account that are available for withdrawal. Available Balance is the Account Balance minus deposited funds being held or check card authorizations outstanding.

   
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Q.   When will I receive notification that my account transferred funds for Overdraft Protection?
A.   An alert will be sent early the next business day following the day the transfer occurred. A business day is Monday through Friday, excluding holidays.
   
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Q.   Will I receive an alert for each account that transfers money for Overdraft Protection?
A.   If you have more than one account linked to your checking account for Overdraft Protection and money was transferred from mulitple accounts, an alert will be sent for each account that transferred money.
   
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