Debit Cards/Accounts
What are checks?
This online banking service is designed for mobile devices
What is "Zelle"?
The account within your mortgage loan where part of your monthly loan payment is deposited to cover the costs associated with property taxes and insurance premiums
What is Escrow?
This network of ATM Machines are free of service charges with your Citizens First Bank debit Mastercard
What is "Presto!"?
This common scam is known for the caller requesting the grandparent to keep this situation a secret from his or her parents.
Ex: our 85 y/o customer gets a call from his grandson, out of state, that he has a flat tire and needs money ASAP
What is "The Grandchild/Grandparent Scam"?
This optional service ensures that an account balance does not fall below $0.00
What is Overdraft Protection?
This is an admin tool that allows us to co-browse with a customer while they are on our CFB website to assist Customers with OLB calls
What is "Surfly"?
These loan payments are due the 25th of the month and have a grace period of 10 days before they are late
What is a Home Equity Line of Credit/HELOC?
We maintain excellence through: Hospitality, Stewardship, Innovation & Creativity, and Hard Work
What are CFB's Core Values?
This technique is used by fraudsters to impersonate reputable companies such as your bank, a local business, or even a government agency by disguising their caller ID
What is spoofing?
This interest bearing account is subject to maintenance fees if the daily balance drops below $2500
What is the Citizens Advantage Money Market account?
This budgeting tool allows customers to link their third party accounts for view only access
What is Money Management?
Customers may choose this option with the goal of lowering their monthly payment and reducing the principal to shorten the length of their loan
What is a Modification?
This log on SharePoint is for employees to submit challenges, complaints, and awareness for issues going on that are relevant to Citizens First Bank.
What is the CFB Tracking Log?
This button must be clicked on fraud/scam submission if the customer is going to visit our branches to conduct suspected fraudulent transactions (wires, cashiers checks, or large cash withdrawals)
What is the "Branch Alert Message!"
This type of account a Power of Attorney (POA) is not acceptable on
What is a Trust account?
This online service has a limit of $5,000/daily and $25,000 in a rolling 30 days
What is a mobile deposit?
Borrowers who wish to obtain information about their bond or paying off their bond can do so directly through _____________________.
What is the Villages Community Development Districts Office (aka VCDD)?
This branch has a waiting list for safe deposit box availability
What is the Magnolia Branch?
These are orders of payments authorized over the internet or on the phone, BUT are prone to be fraudulent. Ex. customer sees a check cashed against their account that appears printed and the merchant and/or amount was not recognized or authorized by our customer
What is a Remotely Created Check?
This account can earn a $7.50 award each cycle for 12 debit card transactions totaling $300/cycle
What is My Rewards Checking?
This anti-fraud service protects our business customers against check fraud including altered and counterfeit checks
What is Positive Pay?
A ________ is a check payable to the borrower and CFB due to a claim made to the insurance company for property damages.
What is a Loss Draft?
The name of the issuer for our credit card products
What is TCM Bank?
This US agency gives us lists of people and businesses we cannot do business with, it also gives us sanctions that limit the countries we can do business with
What is The Office of Foreign Assets Control (aka OFAC)?