The term 'cleared funds' means money in your account that is available for withdrawal. The quickest way to increase the money in your account that is available for immediate withdrawal is to transfer money from another account through eBanking, mobile banking, or pay in cash at a branch.

Arranged Overdraft Alerts - you can stop arranged overdraft alerts by texting STOPOD to 50350 for a UK registered mobile or 50950 for ROI registered mobiles when you receive an arranged overdraft alert.

Unarranged Overdraft Alerts – you can stop unarranged overdraft alerts by texting STOPUA to 50350 for a UK registered mobile or 50950 for ROI registered mobiles when you receive an unarranged overdraft alert.

Alternatively, please speak to a member of staff in a branch, call us on 0345 600 2882 or send us an eBanking secure email and we will cancel the alerts for you.

Please speak to a member of staff in a branch, call us on 0345 600 2882 or send us an eBanking secure email and we will set up for this service.

Overdraft alert put you in control of your account and provide information to help you avoid overdraft charges.

You may be charged arranged overdraft interest and/or for any unpaid items.

This is calculated using the balance at start of day plus any direct debits, standing orders, cheques, card transactions and fees and interest due to be booked on that day. Not all of these transactions appear in the accounts available balance (standing orders, cheques presented in a Danske Bank branch, pay at pump card transactions) and therefore the amount to be lodged may appear to be different to the available balance showing for the account.

The cut-off time quoted in the alert depends on the type of transaction involved. If multiple transactions have been received, the cut-off time you are given to lodge funds will be based on the earliest cut-off time for one of these transactions. Here's a guide to the cut-off times you may see in your message:

• Cheques - “14:00 today”
• Direct Debit - “15:30 today”
• Standing Order - “20:00 today”
• Card transactions - “midnight tonight” (except on the last business day of the month when the time will be “15:30 today”)
• Fees and Interest - “midnight tonight” (except on the last business day of the month when the time will be “15:30 today”).

Cheques presented over the counter in a Danske Bank branch are included in the alert sent the next day. The alert that is sent states “to avoid further unarranged overdraft charges.” This is to allow for the fact that charges will have already been incurred the day the cheque was presented.

We do not charge a fee for these services.

Unarranged overdraft alerts are sent between 8.15am and 10am on Mondays to Fridays excluding Bank Holidays.

Arranged overdraft alerts are sent between 10.30am and 11.30am on Mondays to Fridays excluding Bank Holidays.

Your mobile provider is responsible for the network coverage. You should keep your phone switched on each morning to ensure you receive any overdraft alerts. In these cases a refund of interest or fees incurred will not be provided.

This is because the cheque has not cleared yet. It can take up to 4 business days for a cheque to clear after it has been lodged. To cover your transactions you should lodge cash or transfer the funds electronically as soon as possible. These funds will clear immediately.