Who Signed Off on This?
THE FINAL WITHDRAWAL
What the Fee?!
Risky Biz-ness
Referral? I Hardly Know Her!
100

Acct ownership:

Jane Kelly – Primary Owner

Donald Brown – Power of Attorney

WHAT ACTIONS CAN BE TAKEN IF CHECK IS MADE OUT TO JANE KELLY?

If the payee’s account reflects the POA ownership, the check can be:

  • Deposited into the payee’s account (not the POA’s account). This is the recommended option.
  • Cashed by the POA
100

WHAT MUST BE PRESENTED IN ORDER FOR A BANKER TO UPDATE A CUSTOMERS PROFILE TO SHOW A DOD?

DEATH CERTIFICATE 

100

WHAT IS THE MONTHLY SERVICE FEE FOR ID ALERT NON PREFERRED CUSTOMERS?

ID ALERT - $7

ID ALERT PREMIUM - $10

100

WHAT ARE THE 6 DIFFERENT TYPES OF BUSINESSES?

Corporation

Limited Liability Company

Sole Proprietorship

General Partnership

Limited Partnership and Limited Liability Partnership

Organization/Group

100

What is the monthly referral goal for our CSRs?

9 each

200

Account ownership

David R. Allen – Minor*

Louis Doll - Custodian

WHAT ACTIONS CAN BE TAKEN IF THE CHECK IS MADE TO LOUIS DOLL?

CANNOT BE CASHED OR DEPOSITED UNLESS LOUIS DOLL HAS THEIR OWN PERSONAL ACCOUNT.

200

WHAT IS THE DOLLAR AMOUNT THRESHOLD THAT A SMALL ESTATE ACCOUNT CAN BE USED FOR IN THE STATE OF INDIANA?

THE ASSETS OF THE DECEASED PERSON MUST BE LESS THAN OR EQUAL TO 100K FOR SOMEONE WHO PASSED 7/1/22 OR AFTER

200

HOW MUCH IS AN OVERDRAFT FEE?

$35.00 Per Bank-paid item

200
WHAT ARE THE NAMES OF THE CURRENT CREDIT CARDS A BUSINESS OWNER CAN APPLY FOR?

FIFTH THIRD SIMPLY BUSINESS CARD 

FIFTH THIRD COMMERCIAL CARD

200
What is Rensselaer's One Bank referral goal each month?

5 

300

Account ownership

Estate of John E. Davis – Estate

Mary L. Jones – Executor

WHAT ACTIONS CAN BE TAKEN IF CHECK IS MADE OUT TO JOHN DAVIS

  • Endorsed by the Executor, as listed on the account in ACE.
  • Cannot be cashed; must be deposited into the estate account and not in the executor’s personal account.
300

WHEN DO WE PLACE A HOLD ON AN ACCOUNT AFTER AN OWNER PASSES AWAY?

SOLE OWNER ACCOUNTS ONLY. THIS MEANS IF THERE IS POD OR JOINT OWNER THEN WE DO NOT PLACE THE HOLD.
300

HOW MUCH ARE OUTGOING WIRE TRANSFERS? MULTIPLE ANSWERS.

Outgoing Wire

  • Consumer
    • Domestic (staying in US) $30
    • International in Foreign Currency $50.00
    • International in US Dollar $85.00
  • Business
    • Domestic (staying in US) $45.00
    • International in Foreign Currency  $50.00
    • International in US Dollar $85.00
300

Under anti-money laundering (AML) regulations tied to the Bank Secrecy Act, the Department of the Treasury’s FinCEN requires all banks to obtain and record THIS FORM defined as the individuals who hold ownership stake in the business.

BOLT 

300

How many different types of referrals can be submitted by our branch for One Bank?

8 

1.expatriate banking

2. investments

3. mortgage

4. paycor

5. private bank

6. small business banking, provide or commercial

7. treasury manangement

8. worldpay

400

A CHECK IS MADE PAYABLE TO EERIE INSURANCE... CAN THAT BE DEPOSITED TO AN ACCOUNT TITLED AS GALLINA INSURANCE?

NO... SORRY

400

WHAT DOCUMENTS ARE NEEDED TO OPEN AN ESTATE ACCOUNT?

* COURT-ISSUED ESTATE APPOINTMENT DOCUMENTATION

* EIN ISSUANCE LETTER (CANNOT USE DECEASED SSN)

* DEATH CERTIFICATE --- NOT TECHNICALLY REQUIRED 

400

WHAT IS THE FEE FOR A CREDIT CARD BALANCE TRANSFER?

$5.00 or 4% of the total dollar amount each balance transferred, whichever is greater

400

THE BOLT FORM HAS 3 SECTIONS THAT ARE REQUIRED TO BE COMPLETED WITH NAMES OF INDIVDUALS WITH OWNERSHIP IN THE BUSINESS ENTITY, WHAT ARE THOSE 3 CALLED?

Natural Authorized Person (NAP) 

Control Person (CP) 

Beneficial Owners (BO)

400

What counts as a qualified referral for investments/securities?

  • Client must be a NEW client to Fifth Third Securities or Fifth Third Insurance Agency, existing clients of either entity do not qualify for referral credit.
  • Client agrees to an appointment with a representative of Fifth Third Securities or Fifth Third Insurance Agency and its subsidiaries.
  • Client must have a minimum of $50,000 in investable assets

  • Client not referred for investments in the last 90 days.

500

CHECK MADE PAYABLE TO MARY SMITH AND JOHN SMITH.

WHAT ACTION CAN BE DONE IF ONLY MARY IS PRESENT?

DEPOSTED TO A JOINT ACCOUNT WITH MARY AND JOHN. 

CAN ONLY BE CASHED IF BOTH PARTIES ARE PRESENT AND HAVE BOTH ENDORSED.

500

WHAT FORM DO YOU NEED TO FILL OUT TO CLOSE A SOLE OWNER CD DUE TO DEATH?

CD Early Withdrawal – Penalty Waiver Request

500

WHAT ARE THE FEES FOR INTERNATIONAL TRANSACTIONS ON A DEBIT CARD?

  • $5.00 (International ATM Fee)
  • 3% of Total Transaction (International Transaction Fee)
  • 0.20% of Total Transaction (MasterCard Currency Conversion Fee)
500

What is the Minimum Time in Business OR Time of Ownership required for business lending?

≥ 18 Months


500
How many categories are there for CSRs to submit referrals?

15

1. Alerts

2. CD

3 Checking accts

4 Credit Cards

5 Direct Deposit

6 Direct loans

7 MAV

8 Express banking

9 IDA

10 Mobile Banking

11 Mobile Deposit

12 Mortgage

13 Online Bill Pay

14 Savings acct

15 Statement Supression


M
e
n
u