Watchdog
It's so cool
Put the dog to work for you. Heritage Bank’s automated Watchdog service provides alerts to notify you when specific transactions occur in your Business Checking and Savings Accounts. It keeps you or your financial staff aware of what’s happening at all times – just like any good watchdog would.
- Remind you when an automatic transaction has occurred.
- Notify you when an electronic transaction has processed (i.e. payroll taxes).
- Alert you to a large check that has cleared.
- Notify you of a low balance, based upon your parameters.
- Using the Watchdog alerts listed below, customize options to fit your needs.
This free notification alert service for Business Online Banking users. It is also a useful and powerful tool in the fight against fraud. You are in control of the types of alerts you receive and the frequency of notifications.
You can choose to have alerts sent to your email account or you can have them sent directly to your phone’s email or as a text message.
The following alerts are available for all users that have access to Business Online Banking. It is not available for Special Services.
Low Balance Alert
Notification sent by email when your balance falls below a specified dollar amount. This alert will only be sent when activity occurs on the account.
Memo-posted Checking or Savings Credits
Notification sent when any credit(s) including, but not limited to deposits, incoming wires, ACH credits including payroll, and ATM transactions have memo-posted to your account. Watchdog will search for new activity according to the time frame you determine which is set in 30 minute increments.
Memo-posted Checking or Savings Debits
Notification sent when transactions have memo-posted to your account including but not limited to withdrawals, outgoing wires, ACH debits, ATM transactions, and Visa® Check card purchases.
Memo-posted Large Transactions
This alert will notify you by email if any large transactions have memo-posted to your account throughout the day. You determine the dollar amount and how often Watchdog checks for activity based on 30 minute increments.
Memo-posted Incoming Wire Transfer
Notification sent by email when an incoming wire transfer has memo-posted to your account. Watchdog will search for new activity according to the time frame you determine.
Notice of any Check Clear
Notification sent each time any check clears your Checking Account. You do not need to specify check number or amount information.
Single Check Clear
Notification sent when a specific check has cleared your account. You must input the check number for this alert.
In addition, Broadcast Messages can be sent by Heritage Bank to notify you of upcoming events, closings, fraud alerts, etc.
Watchdog FAQs
What type of account do I need to use Watchdog?
You must have either a Checking or Savings Account to use Watchdog.
Is there a cost for Watchdog?
No, Watchdog is a free service.
What are the system requirements for Watchdog?
A valid email address and and/or Online Banking account are required to use Watchdog. If you use a spam blocker, you should allow emails from addresses using the heritage-bnk.com domain.
Are my account numbers protected in the email?
Account numbers are masked to protect the full account number. An email will be sent to you from watchdog@heritage-bnk.com. See the example to the left.
How do I change an alert I have set up?
While logged into Online Banking, you should see a section entitled “Messages.” Click on the appropriate type (checking or savings). This will bring you to a screen that displays all of the alerts you have set up in the past. Click on the number next to the alert that you want to change. This will open the alert so you can make any necessary changes. Once you have changed the information, click “submit”. Your alert will be activated when the new alert criteria is met.
How do I delete an alert that I have set up?
While logged into Online Banking, click on the appropriate account type (checking or savings). This will bring you to a screen where all of your alerts are listed. Click “Delete” next to the alert that you want to delete. After a few seconds, the alert will disappear off of the screen.
How do I change an email address that an alert is sent to?
While logged into Online Banking, you should see a section entitled “Messages.” Click on the appropriate type (checking or savings). This will bring you to a screen that displays all of the alerts you have set up in the past. Click on the number next to the alert that you want to change. This will open the alert and will allow you to change the email address. Once the email address has been changed, click “submit”. When your alert fulfills, it will be sent to the new email address.
If I use Watchdog, will Heritage Bank of Central Illinois share any addresses I provide with other parties or use them for purposes other than Watchdog alerts?
No, e-mail addresses will strictly be used for Watchdog notifications and will not be shared or used for other purposes. Please refer to our Privacy Policy for additional information.
How often are notifications sent?
Notifications are sent each time the criteria set in the alert is met. Some alerts are set up to check current day activity every 30 minutes. Other alerts are set to send after the transactions for the day have posted or a particular check number has cleared the account.
Can Watchdog also be used with "Special Services" Online Banking?
No, Watchdog is not currently available for our Special Services Corporate Online Banking product.
What if I want to receive a Watchdog Alert via text message instead of email?
Enter your SMS (Short Message Service) address for your wireless provider. If you are unsure of this address, please contact your wireless provider and they will be able to give you that information.
If you have any questions regarding Watchdog alerts, please
contact the Electronic Services Division at 309.362.2130 or
at info@heritage-bnk.com.