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Business
100

Which account reimburses ATM fees per statement cycle?  Up to how much?

The Gold account

Up to $40 per statement cycle

100

Can Non Profits have a Regular checking account?

Yes

100

A customer comes in to make a deposit into her checking account. During the transaction you notice they have a high balance in their account. What could you suggest to the customer to keep their funds safe against fraud?

-A Separate Checking account to keep funds separated. Ex: an account for bills and an acct for fun

-A Savings account to keep funds safe from debit card and check fraud but also their funds would grow with interest.

100

What services can our IBanking Call Center help customers with?

Give two correct answers.

BONUS POINTS IF YOU CAN NAME ALL OF THEM

Password Unlocks/resets

RSA Unlocks/resets

Bill Pay trouble shooting

User navigation

Quicken/Quickbooks

100

What role is assigned to a signer on a Business account?

Authorized Signer

200

What consumer savings accounts come with a passbook?

Passbook Savings, IRAs and CDs

200

At what age can a minor have their own checking account and ATM card?

BONUS POINTS

When can they have a debit card?

16

BONUS

17

200
A non-customer comes in to cash an "On-Us Check". You notice that he comes in on a weekly basis to cash his checks but he's paying a $5 dollar fee for not being a customer. Which account could you offer to this customer to save him the $5 fee he is currently paying every week and how much is he paying per year in fees by not having an account with us?
A Regular Checking account (but we could discover that the customer may benefit from another account by asking the right open ended questions)


He would save $260 a year by opening an account with us.

200

Who can perform a Medallion Stamp service?

Amy, Ali or Tara

200
What business account requires a minimum of $1000 deposited into the account at opening?

Business Money Market

300

Which accounts received interest paid at the end of the month?

IRAs and CDs

300

What are our ATM and Debit Card Limits?

BONUS POINTS

What are the limits for customers under 18 years old?

-ATM WD - $510 per day

-POS - $1,000 per day

BONUS

-Age 16 - $300 ATM WD Limit

-Age 17 - $310 ATM WD Limit and $300 POS Limit


300

What product should we discuss if someone comes in with a check over $500,000 and would like to earn decent interest but doesn't want to tie it up?

Premier Money Market should be discussed in this situation and any that the customer wants to deposit $250,000 or more.

300

What is the charge for research for a consumer account?

$ 25 per hour

additional fees may be imposed if there are copies or more complex....

300

What is the minimum balance required in a Business Basic Checking account to avoid a fee? How much is the maintenance fee?

$1500

$10-Maintenance Fee

400

What are the different ways a Gold Checking account can have the monthly maintenance fee waived?

Maintaining a $10,000 balance daily

or

Having a combined balance of $10,000 between their checking, savings, money market, IRAs and CDs

400

Is there a limit on transactions on a money market account?

No more than 6 checks and/or electronic debits per statements cycle.

400
A known business customer comes in to deposit her checks daily but during this visit the customer seems to be in a hurry. While processing the deposit you notice the customer is in a Business Plus checking account. Knowing this information, what services could we refer to this customer?

Remote Deposit and Night Drop Deposit

400

What is the daily limit for consumer mobile deposit?

$2,500 per day and/or up to 5 items.

400

Which business account type comes with transaction restrictions?

BONUS POINTS!

What are the restrictions and what do they include?

Business Basic Checking

BONUS

Fewer than 150 transactions per month (includes Checks paid, OTC deposits, ATM deposits and deposited items

500

When does a Christmas Club Account mature?

1st Friday of October

500

What is the shortest term cd that we offer?

What is the longest term cd that we offer?

BONUS POINTS

Can you name all the terms that we offer for CDs?

3 month

5 years

BONUS POINTS

Regular CDs: 3 Month, 4 Month (Special), 6 Month, 9 Month, 12 Month, 15 Month, 18 Month, 24 Month, 30 Month, 36 Month and 60 Month

IRA CDs: 12 Month, 18 Month, 24 Month, 36 Month and 60 Month in both Fixed and Variable Rates

500

A customer comes in every week to deposit their paycheck. What product or service could we offer the customer to deposit their paycheck and save a trip to the bank?

BONUS POINTS

What is the deposit daily limit?

Mobile Deposit

BONUS

$2,500

500

What are the services a consumer could utilize on their Online Banking?

-Transfers

-Mobile Deposits

-Billpay

-Setup Alerts

-Review transactions and Statements

-Set up Travel Notifications

500

What documents are needed when making changes to a business account?

For most business accounts you will need:

-Meeting Minutes

-New Sig Card

-New Verafin Questionnaire

-New Business Resolution

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