Protection & Security
Real-time monitoring tools that put you in control of every dollar that moves.
Configure Alerts in Under Five Minutes
Log into online banking, open the Alerts section under Settings, and start checking boxes. For each alert type, select whether you want SMS, email, or push notification delivery — you can layer all three if you prefer. Thresholds are adjustable in real time, and you can pause alerts temporarily without deleting your preferences.
The most commonly enabled alerts — balance updates, large transactions, and login notifications — are pre-configured with sensible defaults that most members keep as-is. You are never locked into a configuration; adjustments take effect the moment you save them.
Every Alert Type, Every Account
Alert preferences are set per account, not globally. That means your checking account can trigger a notification for every debit over $200, while your savings account only alerts when the balance drops below a threshold you specify. Loan accounts can notify you when a payment posts or when a due date approaches.
| Alert Category | Specific Alerts | Delivery Methods | Customization |
|---|---|---|---|
| Balance Monitoring | Low balance warning, high balance notification, daily balance summary | SMS, Email, Push | Threshold amount, time of day, frequency |
| Transaction Alerts | Debit over amount, credit over amount, international transaction, card-not-present transaction | SMS, Email, Push | Dollar threshold, per-account toggle |
| Deposit Notifications | Direct deposit received, mobile deposit confirmed, check deposit posted, wire credit received | SMS, Email, Push | Per-deposit-type toggle |
| Security Alerts | Login from new device, password changed, security question updated, MFA setting changed, contact info changed | SMS, Email, Push | All enabled by default; can be reduced |
| Bill Pay & Transfer | Bill payment sent, bill payment failed, recurring payment upcoming, wire transfer initiated, transfer completed | Email, Push | Per-event toggle |
| Card Management | Card frozen/unfrozen, travel notice active, card replaced, card expired | SMS, Email, Push | Per-card toggle |
| Loan & Mortgage | Payment posted, payment due in 5 days, payment past due, escrow disbursement, rate change notification | Email, Push | Per-loan toggle |
All alerts are provided at no charge by SCU. SMS delivery may incur standard carrier messaging rates. Security alerts are enabled by default and cannot be fully disabled — at minimum, login-from-new-device alerts remain active.
Security Alerts Are Non-Negotiable
Certain alert categories — login from a new device, password changes, and contact information updates — remain active for every account by design. These guardrails ensure that even if someone gains access to your credentials, you will know about it within seconds, not days. If you receive a security alert you did not trigger, call (218) 555-0147 immediately.
The National Credit Union Administration recommends enabling all available account alerts as a core practice for protecting your deposits against unauthorized access.