Promotions
Explain the two ways to donate to Giving Days.
Come into a branch - $10, Get a financial review - $35
(Bonus 10 pts for naming the two organizations we're giving to)
How do you opt in/opt out someone once their account has been opened?
Icon on desktop
How can someone qualify for a free account?
E-Statements, $100 minimum balance, direct deposit
Issues with the RBG
Teller Support (or Michelle Humbert)
$10 to open, $10 min balance, Interest paid quarterly, free ATM card
Junior Investor Savings
What is the promotional rate/term/minimum for the Money Market promotion?
$100,000+ new money, 1.50% APY for 6 months
1.00% APY after (10 pts)
What are acceptable Secondary forms of ID? Name at least 5.
Social Security Card, Birth Certificate, Marriage License, Insurance Card, Utility Bill, Credit Card, Car Registration, Property Tax Bill, Voter Registration Card, Gun Permit
Explain the Connect account.
Earn 2.00% APY on your savings balance (10 pts)
up to $18,000 (10 pts)
18 POS purchases with your debit card (10 pts)
in a statement cycle (10 pts)
0.18% APY paid on balances over $18,000 (10 pts)
0.01% APY if 18 transactions are not met (10 pts)
(Bonus 50 pts if you know how the statement cycle works)
Refer a Friend questions
Marketing
$25 to open, earns 0.50% interest, 25% discount for SDB, reduced overdraft fee of $25, 4 FREE non-Centier ATM withdrawals per month
Veteran's Checking Account
What is the rate on the Home Improvement Special?
3.74% APR
Must be used on Home Improvement purposes (10 pts)
Centier pays title, appraisal, flood (10 pts)
80% LTV (10 pts)
What are the 4 requirements for cashing a check for a non-client?
DL info, SSN, Thumbprint, call client
What is a Health Savings Account?
A HSA is a tax-exempt account established for the purpose of paying or reimbursing qualified medical expenses for you, your spouse or dependents. Must have a HDHP.
(Bonus 50 pts if you can name the 2018 contribution limits)
Who do we call for ATM issues?
Retail Special Services
$10 min to open, no min balance, no statement, must have auto debit from another Centier account
Holiday Savings (Bonus 50 for more details -
How do clients get paid? (10 pts)
When? (10 pts)
Can withdrawals be done before October? (10 pts)
What are the two CD options? (Term and Rate for both)
15 month - 2.25% APY
24 month - 2.65% APY
What requirements do you need for a name change?
Marriage certificate OR divorce decree OR court ordered name change document, updated ID, Centier Name Change Form
List the Consumer Credit Card Products.
Low Rate Card, No Fees (10 pts if you can explain rate/benefits
Cash Rewards (10 pts if you can explain rate/benefit
Bonus 50 pts if you can name the Business Credit Card Products
Name at least one person in the IRA/HSA/CD department you can call for help:
Carol Towe, Shirley Miller, Amy Kopack, Diane Trela
400 free transactions a month, no monthly service charge, no minimum balance, does not earn interest
Free Business Checking
(Bonus 50 if you can name the other 3 Business Checking Accounts)
What is the current Worldpay incentive for employees?
$100 - 2 referrals
+$50 - any additional referrals
Explain the difference between the three types of holds:
New Account, Exception, Case by Case
New account - entire amount held for 10 days, new client to bank within last 30 days
Exception - Entire amount for 7 days based on account history, reason to believe it won't be paid, over $5,000, etc.
Case by Case - Under $5,000, $200 must be available for any non-next day items
What is the difference between a Roth IRA and a Traditional IRA?
Roth - Contributions are not tax-deductible, distributions can be made tax-free if the owner has had account for at least 5 years AND is at least 59 1/2, disabled, deceased, or qualifies for first-time homebuyer, distributions are not required until death
Traditional - Contributions are tax-deductible, required min distributions begin at 70 1/2
Positive Pay inquiries
Treasury Management (Bonus 50 if you can name one person in that department)
Name 2 Benefits of a MYBIZPlus Checking Plus
Ach and WireTransfers