Loans
On our website, paper, over the phone, and in branch
How can members apply for a loan?
Share Savings, Share Draft, Share Certificates, Money Markets, IRA share and IRA Certificates
What types of accounts are offered by Star USA?
Current DL or other govt issued ID, social security number, possible verification of address
What are documents needed to open a new account?
Lisa Short, Laura Molter, Alexandria Chambers, Nicole McDaniel, Haylee Thompson
Who do we send ACH originations to?
I'm looking for a car, how can Star USA help me find a car and also apply?
Star Auto Center
New/used autos, New/used RVs, Unsecured loans, Mortgages
What type of loans do we offer?
Standard Account card, EFT Disclosure, Opt-in Debit card forms
What account forms need a signature and scanned in to Nautilus?
Standard account agreement, Truth in Savings, Fee Schedule, Funds Abailability
What forms need to be given to new members when opening new accounts?
Affidavit, Itemized list of charges with dates, names and amounts, cardholder dispute form(s), members signature, notarized, send to Danielle and Sarah.
What is required for a debit dispute?
ACH, Check, message pay, Online payment portal, bill pay
How can loan payments be made?
Individual Retirement Account
What is an IRA?
Requires financial institutions to take reasonable steps to verify the identity of their customers, monitor and report certain currency and suspicious transactions and maintain records
What is the Bank Secrecy Act?
Keep Calm, listen, acknowledge their issue, suggest resolution, don't make promises you can't keep
What are De-Escalation techniques for angry customers?
Rate is fixed for 5 years, then is subject to change on a yearly basis.
What is 5/1 ARM (Adjustible Rate Mortgage)?
Member can earn 3.50% on balance of $2500-$50,000
What is a share type 46. Rewards Money Market
This is required for cash transaction over $10,000 in or out of the CU in one day.
CTR- Currency Transaction Report
In portico, member account-loan ID-collateral button-magnifying glass-"released"
How can you find if a title has been mailed after a payoff?
These are 2 types of trust accounts. WE do NOT do one of these accounts.
What are Revocable (LIving trusts) and Irrevocable. We do not do Irrevocable.
This warning means we CANNOT ask the member to make a payment. However, if they WANT to make payments they can.
What is Chapter 7 Bankruptcy warning?
This account has 3 monthly withdrawals without a penalty, requires a minium balance of $1500
What is the Super Share Account?
Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obtruct Terrorism Act of 2001
What is the USA Patriot Act?
Life insurance, Auto/home Insurance, ADD Insurance, Debt Protection and GAP
What are five products offered by Trustage?
Procedure used by the federal government to recover benefit payments made through ACH to the account of a recipient who died.
What is reclamations?