Financial
What is the maximum cash and coin exchange limit for non-customers?
$500
The Emergency Dispense Key (F12) automatically dispenses how much?
$200
If pin verification was not successful and no OTP, the transaction should be declined.
What transactions are permitted for non-customers?
Cash and Coin exchange $500.00 per day (CAD only)
Policy Exception -Small subset of business customers Cash Limit (Daily) $2,999.99 CAD Equivalent (Cash-limit is daily and is inclusive of all cash-in transactions)
There are an additional two exceptions to the cash-in policy for a Personal or Business banking non-customers:
-Paying for the cheque certification fee (up to a max $100 CAD).
-Cash and coin exchange up to a maximum of $500 CAD
What are our branch Emergency Meeting Locations/How do you get there? Where is your Health & Safety Information Board is located?
Branch Emergency Meeting Locations:
Cadillac Fairview Office
Metro
Health & Safety Information Board is located in the lunch room on the back wall.
What features and benefits are offered with the All-Inclusive Chequing Account?
- Annual Fee Rebate (up to $139)
-Up to $75 towards the Annual Fee charged for one Additional Cardholder of the Eligible TD Credit Card
-Discount on the monthly fee for a US Dollar Borderless Plan that includes: Annual fee waived for TD U.S. Dollar Visa card (subject to approval)
-EasyWeb Foreign Exchange Services on funds transfers between Canadian and U.S. accounts
-Free CDN premium personalized cheques
-Free CDN drafts and certified cheques
-Free cheques and U.S. drafts
-Free small safety deposit box (subject to availability)
-Free to send or request money with Interac e-transfer
-No Interac ATM withdrawal fees when using non-TD Canada Trust ATMs in Canada
-No network fee (PLUS) when using TD Bank ATMs in the USA or any PLUS system ATM outside of Canada
-$0 TD transfer fees when sending money internationally through TD Global Transfer™ (third party fees may apply)
What written and verbal consent must be obtained for a pre-approved increase on a Credit Card? For the verbal consent, what specifically must you ask the customer?
Have the customer sign the "Accepting a Pre-Approved Credit Card Offer' form. Before proceeding with the limit increase, read the following script to obtain the customer's consent.
Ask the customer:
"Do you consent to a credit limit increase of $[amount] bringing your total credit limit to $[amount]? "
What is the limit to cash a Federal Government cheque for a customer or non customer? Under what scenarios can you refuse to cash a Federal Government Cheque? If you do refuse, what must you provide the customer?
Federal Government of Canada cheques for $1,750 or less (per item) must be cashed for customers and non-customers who can provide the required identification
You can refuse to cash a Federal Government Cheque if there is evidence that the cheque may be counterfeit, altered/fraudulent, or there are reasonable ground to believe that there has been illegal or fraudulent activity in relation to the cheque.
In these situations, you must refuse to accept the cheque and provide a Letter of Refusal.
Where is the Red Emergency Handbooks located? What do they contain?
Moe's desk, Ceci's office and Susan's office.
The ‘Red’ Emergency Instructions Handbook contains instructions and forms to be used in the event of a robbery. (i.e. Witness Information Form, Suspect Description Form, Closure Notice, etc.)
What is the Customer's Eligibility to qualify for our RESL offer?
-Customer must choose a new TD Mortgage/TD Home Equity Line of Credit
-For Home Purchase or Switching their Mortgage to TD
-Has a principal amount of $100,000 or more
-Has a minimum 3-year closed term
Which account(s) does TD offer to meet the Bank's public commitment to provide a Low-Cost Account. What groups must you provide the account to at No Cost?
To comply with this commitment we must make the TD Minimum Chequing Account readily available to anyone who is interested in opening a new personal account and who meets the minimum identification requirements.
The monthly fee must be waived for:
- Seniors who receive Guaranteed Income Supplement (GIS)
- Beneficiaries of a Registered Disability Savings Plan (RDSP)
-Youth who have not reached the age of majority in the province where they live
-Students enrolled in full-time post-secondary education
What is the process to complete a Release from Liability form for a large cash withdrawal? What happens if a customer refuses to sign?
Tell the customer:
-The risks associated with carrying large sums of cash
-About less risky alternatives (e.g. Drafts or Electronic Banking)
On the Release from Liability (Large Cash Withdrawal) from ensure the customer reads section 3 of the form, initials both copies in the applicable box and signs as evidence of their review and acknowledgement.
The following information must be documented on the form:
-Amount of withdrawal
-Customer's account number
-The branch transit/address
-The date of the withdrawal
If the customer refuses to sign the form but still wants to withdraw the cash, process the transaction as requested and write on the form that the customer has declined to sign the form; reinforce to the customer the risks of carrying large amounts of cash and the alternatives available before completing the transaction
Where is the Branch Business Continuity Guide (BCG) is located? What does it contain?
The Branch Business Continuity Guide (BCG) is located on B-Web and the start menu of the computer.
It contains retail responsibilities during business disruptions including security alarm failure, inclement weather, power failure, managing protesters, response of violent situations, cash shortage, vault lockout, telephone failure.
What are the Eligible TD Chequing Accounts & Qualifying Monthly Transaction to receive the boosted rate on the TD Growth Savings Account?
Eligible TD Chequing Accounts include:
-TD Unlimited Chequing Account
-TD All-Inclusive Banking Plan
-TD Wealth Private Banking Chequing Account
-TD Staff Chequing Account
Qualifying Monthly Transactions:
-Direct Deposit from an employer, pension provider or the Government.
-Pre-Authorized Debit payment.
-Online Bill Payment through TD EasyWeb or the TD app.
What are the eligibility conditions for submission of a cheque to Cheque Verification Service (CVS)? When is the cheque automatically sent to CVS?
CVS will accept the following cheques/negotiable items for submissions:
-Cheques
-Other Financial Institution (OFI) drafts
-OFI certified cheques
Prior to submitting a cheque/item to CVS, the following eligibility conditions must be met:
-The cheque is a minimum of $10,000 (CAD or USD)
-The cheque must be payable to the registered name on the deposit account (CIF)
-The cheque must be issued from a business account
-The cheque issuer must originate in Canada or USA
-The appropriate hold must be lodged
The CVS request button will be automatically selected when an appropriate hold is placed for items with a value of $50,000 or more
Under what circumstances would you submit a Unusual Transaction Report (UTR) and can you give an example?
Unusual activity is financial transactions or pattern of activity. It is not consistent with what would be expected for a given customer. It may be potentially indicative of money laundering or terrorist financing activity.
To determine whether a transaction or activity is unusual, Business Lines should consider the following:
-whether the transaction makes business sense
-does the transaction fit the customer's historical pattern of activity
-or does the transaction make sense for the product type
What steps would you take in the event of an Emergency and/or during and after a Robbery situation? Who must the Branch Manager or branch delegate contact after a robbery?
-Comply with the robber's demand and show your willingness to cooperate
-Explain to the robber that you must leave your work area and will need a colleague to assist you in obtaining the funds. Approach your immediate colleague and lightly squeeze their elbow while stating: "I need help with an under-ride"
-Hit F12 one time, combine the dispensed cash with the Decoy, place the money in a clear plastic bag, return to workstation while accompanied by your colleague and hand over the money to the robber.
-End the transaction, both colleagues should remove themselves from the situation by stepping back and walking away.
Branch Manager or branch delegate must contact 911 as soon as it is safe to do so and followed with calling GSI Incident Reporting Centre to report that a robbery has occurred.
6 Promotions (New to Bank, New to Canada, Student, Youth, OFI Savings Transfer + Mortgage)
Up to $8000 ($500 for N2B + $2,400 OFI Savings + $5,100 Mortgage).
What is the purpose of the TD Threshold Alert? Where do you direct the customer if they want to change their Alert preferences?
TD Threshold alerts are sent when the balance in a deposit account or the available credit on a credit card or line of credit falls below a specific alert threshold amount.
The default threshold amount is $100.
Threshold preferences can be updated through EasyWeb or the TD App. If the customer required additional information, they can visit www.td.com/alerts/