Regulations
Fraud
Accounts
Services
Loans
100
This regulation limits the number of transactions you can do in your savings account including online transfer, overdraft protection?
What is Regulation D
100
This fraud involves the financial abuse of seniors or adults with disabilities by trusted people in their lives.
What is elderly abuse?
100
This account members will be charged a $5 monthly fee and receive paper statements every month through the mail.
What is Classic Checking Account?
100
Members can use this to electronically deposit checks using their cell phones.

What is Mobile Deposit Capture?

100
This gives members the option to not make a loan payment in the months of December & January.
What is Skip-A-Pay?
200
You can not discriminate on basis of age, gender, ethnicity, nationality, marital status or the receipt of public assistance based on this Reg?
What is reg. B
200
The machine is designed to detect the security images imbedded in cash or checks by using a colored light.
What is Fraud Fighter Box?
200

With this account mbrs do not have to meet any qualifiers and mbrs get a free security and e-service package. 

What is Free & Easy Checking?

200

This service allows members to pay bills through ABNB@home.

What is Bill Pay?

200
Additional protection options on loans that reduces financial burden and protects credit rating. Maximum age is 70 and terminates at 70.
What is Debt Protection Program?
300
This Reg. summarizes the obligations of a financial institution and states without permission members information can not be shared.
What is Regulation P
300
A form of check fraud that takes advantage of the float time between when a check is deposited and when it clears the maker's account.
What is Check Kiting?
300
Funds in this account are transferred the 1st Saturday in October.
What is Christmas Club Account?
300

ABNB will try an honor transactions even if the funds are not available using this service (hint you have a limit of 600)

What is Courtesy Pay?

300
This covers the difference between the primary insurance settlement and the amount of the loan or lease on a totaled/stolen vehicle with an auto loan.
What is GAP?
400
Members can not receive overdraft fees unless they "opt-in" what Reg requires this disclosure?
What is Regulation E
400
When scammers convince members to give their debit card with the pin to them in exchange of money. The scammer then deposits a check via the ATM, sometimes mobile deposit is used.
What is Card Cracking
400

Account that pays higher dividend rates for mbrs who invest, this account requires $1000.00

What is Money Market?

400
Web based program to deliver real-time relevant information on various types of negotiable instruments, this will help reduce the risk of potential losses and prevent ABNB from falling victim to check schemes.
What is True Checks?
400
Members uses own money to establish/rebuild credit. Interest rate is based on 3% above dividend rate of the Main Share/CD/Money Market.
What is Share Secured Loan?
500
This regulation requires ABNB disclose to depositors... any holds, length of fund delay and must provide "next day" availability for : Government check etc.
What is Regulation CC
500
Fraud that involves convincing a member to deposit fake checks, money orders or accept fraudulent wires. Then having the member send the cash back to the person... usually involves a relationship between the scammer and the member...
What is Lonely Heart Scam/Romance Scam?
500
This is the system we run all potential members through to determine if they can open a new checking account... (hint: not OFAC)
What is E-Funds?
500

Members can access available funds from any card with only a VISA or MASTERCARD Logo.

What is Cash Advance?

500
What is the Grace Period for a loan to be paid before a 5% late fee is charged?
What is 7 days?
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