GENERAL BANKING
WHEN CHRIS ANSWERS ON BRANCH SUPPORT WHAT DO WE DO
HANG UP
What is the difference between a secured loan and an unsecured loan?
A secured loan uses collateral to back up the loan while an unsecured loan does not have collateral and is riskier for the bank.
What 3 types of checking accounts does Commerce offer?
Free, Interest, Relationship checking accounts
Commerce Fraud Fighters
her pets (cats and dog)
The people we call when we don't know how to help a customer
What is Branch Support
A HELOC HAS A ___ RATE
A HEL HAS A ___ RATE
WHAT IS VARIABLE
WHAT IS FIXED
The minimum deposit to open a Relationship Checking account is?
What is $100
Name the two types of IDR Commerce offers. Which are reactive and proactive?
IDR - Reactive
IDM - Proactive
Which customer needs to call the police on their "Friend"
Douglas
What is the minimum age to open a checking account with a parent or guardian?
16 1/2
ALL SECURED LOANS USE
ORIGINATE
What is Identity theft Monitor
To sign up for Voice ID a customer must
When customers call, the customer service banker invites them to enroll and explains the benefits. The system captures a voiceprint during the conversation.
Who did the branch get a card for on their birthday?
Harold :)
What form resets someone's OLB?
Digital Banking Maintenance Form
WHICH NON-REAL ESTATE LINE OF CREDIT DOES COMMERCE OFFER
COMMERCE ADVANCE
The product that offers the ability to pay your bills and accounting features. Also give the business customer 10 free ACH payments monthly.
What is Cashflow Complete.
+100 if mentioned that the basic one doesn't offer accounting.
The victim receives a letter with a check for their “winnings.” The letter instructs them to deposit the check and immediately wire part of it to cover taxes and fees. The type of fraud this is ___
What is Lottery/Sweepstakes Winner
What is Mj's favorite candy/Snack?
Life savers GUMMIES
The regulation that requires banks to act when a customer disputes a transaction
What is REG E
COMMERCE SENDS BALANCE TRANSFER CHECKS (TO)___
DIRECTLY TO THE LOANER
The cashback tiers on the special connections credit card is
4% Cash Back on Streaming and Cable
3% Cash Back at Restaurants, Fast Food and Coffee
2% Cash Back at Grocery and Gas Stations
1% Cash Back on all other Purchases
The 5 different types of Holds are
What is new account hold, Reasonable cause, large deposit, previously returned check, overdraft
Which customer believes they can do our job better than us?
Vape Store guy