Alerts and paperless statements

Turn on account alerts, switch to electronic statements, and choose what we notify you about.

You can have uPortal360 email you when something happens on your account, and receive your statements electronically instead of on paper.

If you have a promotional offer, turn on the Promotional Term Expiring alert. It is the single most useful setting on your account — an email before your deadline, while there is still time to pay the balance and keep the interest waived. See Promotional offers.

The eight alerts

Alert	Tells you when
Promotional Term Expiring	A promotional period is about to end — your last chance to pay in full and avoid the interest
Late Fee Grace Period Ending	Your grace period is running out, before a late fee is charged
Payment Past Due	A payment has been missed
Payment Declined	A payment did not go through — see When a payment won’t go through
NSF Payment	A payment was returned unpaid by your bank
Payment Posted	A payment has been applied to your account
AutoPay	An automatic payment is scheduled or has run
Fee Charged	A fee has been added to your account

The first two are the ones that can save you money. Both warn you before something costs you, while you can still act.

When the two warning alerts arrive:

Promotional Term Expiring	30 days before your promotional period ends. If you also have texts on, you get one at 45, 30, 15 and 5 days
Late Fee Grace Period Ending	2 days before your grace period runs out

The rest follow the event — a payment posting, a fee being charged, a payment being declined — and arrive the next day. The AutoPay reminder comes 3 days before the payment is taken.

Turning them on

Alerts and electronic statements are set up together, in a five-step process. Sign in, open Contact Info, and select Edit beside Electronic Communication, then Enroll.

1. Read and accept the E-Sign consent

   Federal law entitles you to receive certain information on paper. Consenting to electronic records is how you agree to receive it by email instead.

   
2. Confirm your email address

   Everything electronic goes to this address, so check it is one you read. You can change it here if it is out of date.

   
3. Choose electronic statements

   You will get an email when each statement is ready, and can read or print it in the portal at any time.

   
4. Choose your alerts

   All eight are switched on by default. Turn off any you do not want.

   
5. Finish

   Your settings apply from your next statement or alert.

   

Enrolling in electronic statements stops your paper statements. If you want alerts by email but would still like statements in the post, say so when you enroll, or contact us.

What you need to receive records electronically

The consent asks you to confirm you can actually open and keep what we send. You need internet access, a current browser, Adobe Acrobat Reader or something else that opens PDFs, enough storage to save them, a working email address, and a device that supports all of that.

You also agree to keep your email address up to date — see Updating your contact information. If our emails stop reaching you, that is the usual reason.

If an email to you bounces, we remove the address. One undeliverable message and the address comes off your account — and with no working email on file, everything we are required to send you goes back to paper, posted to your mailing address.

So if your statements suddenly arrive in the post again, check your email address in Contact Info first. And check your mailing address is current too, because that is now the only way we can reach you.

A new email address has to be verified before it is used. We send a code or a link to confirm the address belongs to you. Until that happens, electronic delivery does not start.

Anyone who can open your inbox can read your account emails. They contain your name, account information, your balance and your due date. They never contain your full Social Security Number.

If you share an email address or a household computer, that is worth knowing before you switch off paper.

Changing your mind later

Your alert settings live under Contact Info → Electronic Communication and can be changed at any time. Turning an alert off does not affect your statements, and vice versa.

To go back to paper, you can withdraw your consent to electronic records — online in uPortal360, or by writing to us. A withdrawal takes effect once we have had a reasonable period to process it, so it will not necessarily catch your next statement.

You can ask for a paper copy of anything at any time, free of charge, without withdrawing your consent or leaving paperless. Ask us for the specific document you want — see Contacting UAS.

Two things to expect even after going paperless: we may still send you something on paper if we choose to, and if a statement carries legally required material we may post it as well as making it available electronically.