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When are Act Now Alerts sent?

Act Now Alerts are sent from 8am on business days (Monday to Friday excluding Bank Holidays).

If you sign-up for Act Now Alerts we will send you a text, email or both, to warn you if:

  • You don't have enough money in your account to cover a payment you have requested (eg Direct Debit) and we're going to return it unpaid and charge you a fee - unless you pay money into your account which is immediately available to use by the specified time;
  • You don't have enough money in your account to cover a payment you have requested or falls due, and we're going to pay it, creating an unarranged overdraft and charge you a fee - unless you pay money into your account which is immediately available to use by the time specified in your Act Now Alert;
  • You're already using an unarranged overdraft and we were not able to send you an alert in advance (eg if you make a payment with your debit card on a train or plane where it is not possible to check that there is enough money in your account. In these circumstances, you may have already incurred an Unarranged Overdraft Usage Fee before we are able to send you an alert);
  • You have been using an unarranged overdraft for five or more consecutive days.

We will usually only send you one Act Now Alert per registered account on any given day. For example, if we pay an item (eg a Direct Debit) which creates an unarranged overdraft, we will send you an alert to inform you that an unarranged overdraft will be created on your account and that a fee will be charged unless you pay money into your account which is immediately available to use. If, on the same day, we receive a request to pay another item and we decide not to pay it, that item will be returned unpaid. However, you will not receive a second alert informing you of this.

Should you be required to pay money into your account following an alert the cut off times can be found here.