Direct Alerts

Direct Alerts

Direct Alerts Frequently Asked Questions
  1. What are Alerts?
    Alerts are a feature on Internet Banking Integrated Services and Internet Banking Online Services that allows financial institution customers to receive notifications about banking activity and other events. The Alerts are set up and edited in online banking.
  2. How Does a Member Receive Alerts?
    Members can receive alerts by either e-mail, text message or both.
  3. Is the Member Charged for Using Alerts?
    There is no charge to members for receiving Alerts by e-mail from an institution. However, when members receive text message Alerts, their wireless carrier may charge for receiving text messages. The member is advised to check with their wireless carrier for details.
  4. Is Any Personally Identifiable Information Contained in an Alert Message?
    Personal and personally identifiable information is not transmitted in the alert message. Accounts are identified by nicknames. This is a convention that was adopted in Internet Banking Mobile Services for SMS.
  5. Are Members Guaranteed to Receive Alerts Sent to Them?
    Alerts cannot be guaranteed to be received because of the potential for an unstable wireless and internet networks in general. These networks are open to service interruptions and members may move out of the service range, which can cause a delay in receiving text messages. Members can check the Alerts sent to them on the Alerts History page in online banking, which lists all the Alerts sent within the last 30 days.
  6. Does an Institution Need to Implement Internet Banking Mobile Services for SMS to Offer Alerts?
    No, all financial institutions using Internet Banking Integrated Services or Internet Banking Online Services can implement Alerts.
  7. Can the Shortcode used for Mobile Banking Also Be Used for Alerts?
    Yes, the same shortcode can be used for Alerts and mobile banking, but the institution will be charged a fee for this method of delivery. Because of this charge, Alerts are sent via "e-mail to text" method which currently entails no cost to the institution. This method uses a number of different generic shortcodes from the customer's mobile carrier to deliver the Alerts text messages, rather than using a custom shortcode.
  8. What is "e-mail to text"?
    E-mail to text is a delivery mechanism of text messages. A user can send a text message to any recipient provided that they know the recipient's mobile phone number and carrier. From that information, an e-mail address is constructed in the following format: 6047876597@pcs.rogers.com, and any e-mails sent to this address appears as a text message on the recipient's mobile phone. There is no cost for the sender to e-mail to text messages, however the recipient may be charged.
    Carrier support of "e-mail to text"
    The major Canadian carriers do support this method. However, this is not a standardized method across carriers and there is no motivation for carriers to standardize.
    Is it possible that carriers could discontinue this method?
    Since all carriers receive revenue on this service from the recipient, we do not anticipate this service being discontinued, however this is a possibility. This is the reason the financial institution has the option of sending Alerts via the shortcode. However, one-way text messages involve a per message charge to the financial institution.
    Why do financial institutions choose "e-mail to text" over the short code?
    The cost of one-way messages from the short code is currently cost prohibitive.
  9. Can a Customer Choose to Stop Receiving Alerts?
    Yes. Within online banking, the customer can choose not to receive any Alerts.
  10. Are Alerts Subject to an Internet Banking Data Retention Policy?
    Yes. If a member has not logged into online banking within 12 months, their alerts preferences will be deleted as part of our Data Retention Policy and the member will no longer receive alerts. The member can sign up to alerts by logging into online banking.

 

 

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