Account Alert FAQs

An Account Alert is a text message notification we’ll send you to help you manage your Current Account. All customers with a personal Current Account will automatically receive an Account Alert providing we have your up-to-date mobile telephone number.

An Arranged Overdraft Alert is a text message notification we’ll send you to help you manage your Arranged Overdraft on your Personal Current Account. All customers with an Arranged Overdraft on their Personal Current Account will automatically receive an Arranged Overdraft Alert providing we have your up-to-date mobile telephone number.

A Balance Alert is a text message notification we’ll send you when your account has dropped below the amount that you set. You can log into Online Banking to set your Balance Alert.

Classic Current, Graduate, Student Plus, Private Banking Current, Private Banking Credit Interest and Private Banking Current Set Off accounts. 

Classic Current, Graduate, Student Plus, Private Banking Current and Private Banking Credit Interest

You will receive an Account Alert if;

• your account goes into an unarranged  overdraft
• item(s) were posted to your account last night and you have incurred charges
• you have incurred charges but your account is now back in order
• your account has been overdrawn for a number of days
• you do not have enough money to cover item(s) presented on your account
• your account is overdrawn and further item(s) have been presented

You will receive an Arranged Overdraft Alert if;

• your account is going to make use of your Arranged Overdraft that day or;
• your account is making use of your Arranged Overdraft

You will receive a Balance Alert when your account has dropped below an amount that you have set.  

• Account Alert: As at 6.19am on 4 May 2017, you didn’t have enough money in your AIB (NI) account ending 093 to cover outgoing payments.  Please lodge cleared funds into this account before 2pm today to avoid charges. You can log into Online Banking or the Mobile App to view your account.

• Arranged Overdraft Alert: You are now using your arranged overdraft on AIB (NI) account ending 123 (as of 08.00am on 1 Dec 2019) and you may incur charges. You can log onto Online Banking or the Mobile App to view your account

Or,

Arranged Overdraft Alert: Items presented today will take your AIB (NI) account ending 123 into your arranged overdraft. To avoid charges you may incur for making use of your arranged overdraft, please lodge cleared funds before 2pm.  You can log onto Online Banking or the Mobile App to view your account

• Balance Alert: You have dropped below your Balance Alert limit on your AIB (NI) account ending 093 (as at 6.19am on 4 May 2017). You can log into Online Banking or the Mobile App to view your account.

We will never ask you for any account information, such as your PIN, account number or online access details.

‘Cleared funds’ means money which is immediately available to be used from your bank account.
You can lodge cleared funds to your account using a variety of options:

• In Branch – Cash lodgements using a Visa debit card or lodgement slip in any AIB branch.
• Post Office - Cash lodgements using a Visa debit card
• Online Services – Transfer money from one account to another through AIB (NI) Online, Mobile and Phoneline Banking.

Please note: if you are transferring money from another Financial Institution, you will need to check with your service provider, to confirm when your cleared funds will be available in your AIB (NI) account.

Check your account through Online Banking or the Mobile App. If required, lodge cleared funds before 2pm to your account to cover any item(s) which have been presented.

Please note: Account and Balance Alerts are automated text message notifications, which you cannot reply to.

We’ll normally send Account Alerts and Arranged Overdraft Alerts between 8am and 10am Monday to Friday (excluding Bank Holidays).  However, the Account Alert to advise that you have been overdrawn for a number of days will be issued at around 2pm.

We’ll normally send Balance Alerts between 8am and 10am Monday to Saturday (excluding Bank Holidays).

There are a number of reasons which may explain why you have not received an Alert:

• Network problems
• Out of coverage
• Phone turned off
• No space to receive any new messages
• Phone number no longer active
• You have not provided a valid mobile number
• You have opted out of Alerts

Another reason is that your account may not have been in a status that would trigger an Alert.
Although we try to ensure that all Alerts are sent to you when applicable, we can't guarantee this every time. You shouldn't rely on this service alone to give you the most accurate information.
If you believe that you should have received an Alert, please call us or visit your local branch.

Typically, you will receive no more than one Account Alert or Arranged Overdraft Alert and one Balance Alert per day 

All personal Current Account holders are automatically opted in to receive Account Alerts. To manage your preferences, you can opt out and back in again via Online Banking or by speaking to a Customer Service Adviser.
You are not automatically opted in to Balance Alerts. You can only opt in or out for Balance Alerts via Online Banking.

All of your eligible personal Current Accounts can be registered for Alerts, there is no maximum number.

No, Alerts are only for eligible personal Current Account holders. 

No, we will not charge you for Alerts. However, you are responsible for all charges made by your mobile network provider. Please be aware of all network charges, including any higher charges if you receive a text while abroad. We are not responsible for any charges made by your mobile network provider. 

You can only register one mobile number with us. If you give us an invalid mobile number, we will not be able to send you an Alert.

If you are registered for Online and Phoneline Banking:
You can simply log in to Online Banking to update your number. Select ‘My Details’ from the ‘Services & Settings’ drop down menu and follow the onscreen instructions (you will need your card reader to complete this process).
Or, speak to a Customer Service Adviser.

Yes, it is possible to suspend your Alerts and resume the service at your convenience. This can be done via Online Banking or by speaking to a Customer Service Adviser. 

No, the eStatement text notifications are completely separate from Account and Balance Alerts.