Need to know when you have a low balance? Or maybe, you want to know when a check posts to your account? Then you may want to use Messenger. This feature allows you to set up account related email/text message alerts in Online Banking. A busy lifestyle can be simplified when you explore the benefits of Messenger.

Benefits

• Flexibility – more immediate notification for balance related situations
• Reduces the frequency of telephone banking & online banking inquiries
• Can receive text messages anytime or anywhere (even on vacation)
• Provide parent with notification of child’s ATM/Debit Card transactions (when parent is joint owner on child’s account
• Improves recordkeeping
• Can help prevent fraud or suspicious transactions

Communication Methods

• Notice – meant for email communication and will provide more detail. You could enter your cell phone text address, but the amount of information appearing on the screen may be limited.
• Instant Message – will be brief as character length is limited. You can either enter your email address or cell phone text message address to receive notices instantly.
• Text Message* – will be very brief as character length is limited. You can either enter your email address or cell phone text message address.

Messages (except for Instant Messages) are typically delivered between 8:00 a.m. – 8:15 a.m., seven days a week with the account number masked. The balance listed in the message will be the current balance as of the moment the message was generated. For loan related messages, it will be the principal balance.

Types of Messages

• Checking/Money Market
• Balance Below – Notice of Text Message
• Balance Below – Instant Message
• Check Posted
• Current Business Day Activity
• Daily Balance – Notice or Text Message
• ATM Transaction - Notice of Text Message
• Debit Card Purchase - Notice or Text Message

• Savings
• Balance Below – Notice
• Current Business Day Activity
• Daily Balance – Notice or Text Message

• Loan
• Loan Payment Received
• Loan Advance Check Posted
• Loan Payment Past Due

For more information contact our Customer Service Center at 1-888-226-5237 or visit any Citizens' Banking Center. For a Citizens' location near you, click here.

*Please keep in mind the ability to receive text messages is dependent on your carrier, service package and phone features. Some carriers provide text messaging as part of your service plan or may charge a fee for each message received. Check with your provider if you are not sure of your plan.