Alerts allow you to receive notifications about banking activities and other events. Essentially, they can act as an extra layer of security, strengthens security as fraud prevention and help you stay on top of your finances. Many are optional and can be set up through Digital Banking.

Frequently Asked Questions

There are three different types of alerts in your digital banking.
Account Alerts - specific to the accounts, customizable by you
Security Alerts - attached to you as the member
Business Notifications - attached to the user, and helps you as a business member when it comes to transfers, bill payments and Interac e-Transfers
Account Alerts are attached to each account individually, and are set up by you, the member. Different account alerts can be set up on different accounts. 
  • Transaction alerts such as deposit or withdrawal, or balance (a daily, weekly or monthly) alert that lets you know what your balance is in a specific account.
  • Insufficient funds alert when you have a scheduled transfer or bill payment.
  • Failed transaction alert is when a scheduled transfer or bill payment didn't occur for whatever reason. 
Security Alerts are set mostly by default to protect you, the member, when it comes to changes happening to your accounts. This will protect you in the case of someone trying to get into your accounts. Examples include:
  • Password changes (if someone changes your password)
  • New biometric access (if someone attempts to add another FaceID or fingerprint access to your account from a mobile device)
  • Password attempt lock (if someone has tried to access your account and has failed to guess your password in three attempts)
  • Successful login (optional)

Business Notification are set up by the business account member, to help the member know when there are transfers between accounts, transfers to another member, Interac e-Transfers, and options within bill payments. 
Multi-factor authentication is a method of authentication that requires a user to provide two or more verification factors to gain access to an account. 
  • This is an extra layer of security
  • Strengthens security as fraud prevention
  • Requires multiple forms of authentication - at least two

Examples of multi-factor authentication
  • Your 19-digit login ID, or username
  • Strong password
  • Date of birth
  • Mobile phone number
  • Email address
  • One time Passcode (OTP)
Within digital banking, there are times when multi-factor authentication will be required, meaning you'll be asked for additional verification of your identity to protect you!
For example:
  • First time sign in, both existing members and new members
  • Change of password
  • Reset password - when you use the forgot password function
  • Updating your contact information
  • Adding a payee
  • Inter-member transfers
A strong password is one that improves the chances of a scammer or bot from guessing your password. For our digital banking requirements, your strong password must include:
  • Minimum of 10 characters
  • Minimum 1 uppercase letter
  • Minimum 1 lowercase letter
  • Minimum 1 number
  • Special characters are optional
A one-time passcode, or OTP, is a text message or email that you receive from digital banking with a code to help verify that it is you that is attempting something specific within your digital banking. This is another layer of protection to prevent scammers and hackers from gaining control of your accounts. 
Examples are:
  • First time sign in
  • Adding a payee (to prevent a scammer from adding themselves)
  • Password changes - cannot be turned off, sent to your email
  • New biometric access - cannot be turned off, sent to your email
  • Password attempt lock - cannot be turned off, sent to your email
  • Update contact information
  • Inter-member transfer
  • Add e-Transfer recipient
  • Manage e-Transfer profile
  • Set up AutoDeposit
  • Add delegates - business account users
  • Delegate first time login - business account users

If you receive an Alert but did not make the change yourself, this may be a sign of fraudulent activity. Contact your Encompass Credit Union branch immediately and we can address your concerns and take appropriate action. 

Personal information is not transmitted in an Alerts text message or email. Accounts are identified by nickname only - no account numbers, balances or identifying details are visible. Also remember - your credit union will never ask you to provide personal information over email or text.

Sign in to Digital Banking and edit your contact information in the app to include your new mobile number.

Want to check out our how to videos for digital banking?
There are a number of videos for your to choose from, from first time sign in, to how to do e-Transfers or adding small business delegates. 
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