How are customer alerts generated?

Import-Based

Import-based alerts will be generated when the daily balance and transaction files are imported into IB, typically between 6pm and 6am, but each alert will be sent at the time designated by the customer. These types of alerts include IRA/CD maturity, Check Cleared, Deposits, Debits, Pending ACH, or Loan Payment Due Date reminders. The times available to choose from will vary from bank to bank depending on the Transaction Import and Transaction Cutoff times. The limitation is in an effort to assist the bank customer in correctly defining a time that would be useful to them. For example, if the bank’s cutoff time is 4 pm and the customer has an NSF alert set to 5 pm, the customer would not have to time to try to cover the NSF.

The lower bound of the time is based on the import time:

• If the bank’s import time is before 12 pm, then the earliest the alert can be set is the import time.
• If the bank’s import time is after 12 pm, then the earliest the alert can be set is midnight.

The upper bound of the time is based on the cutoff time:

• If the bank’s cutoff time is before 12 pm, then the latest the alert can be set is 12 pm.
• If the bank’s cutoff time is after 12 pm, then the latest the alert can be set is the nearest half hour interval prior to the cutoff time.

For example, if the transaction cutoff time for the bank is set at 5 pm, this means that 4:30 pm is the latest the alert can be set to and if the transaction import time is currently set to 11:59 pm, this means that the earliest the alert can be set is midnight. Times from midnight (12 am) through 4:30 pm are displayed to the customer:

Balance-Based

Balance alerts can be set up to arrive at a specific time designated by the customer. The system will make a real-time call at the set alert time and will send the alert after determining if the alert criteria are met.

Available balance alerts will be sent to the customer at the designated time as long as the real-time call succeeds. High and Low balance alerts will be sent to the customer at the designated time as long as the real-time call succeeds and the alert criteria are met.

If for any reason the real-time call fails for an account, the system will attempt to generate the alert again during the next 10-minute interval. If at that time the call succeeds then the alert will be sent, if the call fails again, the system will try again in 10 minutes. The system will attempt the real-time call 5 times after the initial call. However, after that 6th attempt, if the system is still not responding, the system will advance the alert to occur the next day and will no longer attempt for the current day.

Action-Based

Action-based alerts are alerts generated by system activity by the user. Examples of these types of alerts are login alerts when users login within a specific time range, failed logins, changes to security information such as password or email address, submitting transfers/payments, and submitting or approving ACH batches/wires.

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