Deposit This Now
Wait What Did I Override?
Sorry For Your Loss
Who are you?
Miscellaneous
100
This is critical in order to assist in preventing identity theft, financial fraud, money laundering, and terrorist financing
What is Know Your Customer
100
This is what's suppose to be done if a check cannot be verified on the system
What is Call the Client
100
This is what we can do when a JOINT PAYEE check is presented but one of the payee's is deceased, and no estate is set up
What is NOTHING
100
The form used when cashing a check for an unknown customer
What is the Unknown Customer Check Cashing Capture Form
100
Who we contact if there are any questions regarding endorsement
What is MORA
200
We verify checks to make sure it contains this before it is deposited or cashed
What is an Endorsement 
200
Before an override is given, we must make sure this is inspected
What is Identification
200
This is what we can do with a joint payee check if one payee is deceased and the other is the executor of the estate
What is cash or negotiate check
200
This is what is done if an unknown customer says they do not have a debit card
What is Review profile to see if they actually do not have one
200
Although the color of the Chinese flag, this flag symbolizes possible warning signs of fruad
What is a Red Flag
300
This is what is used in order to ensure a client is who they say they are
What is Identification
300
The system we go to in order to compare penmanship from other checks written
What is CTA
300
The document(s) we must have in our files when dealing with an estate account
What are death certificate and/or executor certificate and/or letters of testamentary
300
While reviewing account for an unknown customer check cashing, we must review recent deposits, recent checks/debit card purchases, and this
What is review recent withdrawals that are similar
300
This check can be deposited where: 

Payable to "DS Engraving" 

Endorsed: DS Engraving or Donald Smith


Donald Smith DBA DS Engraving
400

We examine the checks in order to ensure this, due to it being a possible counterfeit check or the check being drawn on non-US funds

What is Negotiability
400
Before an override is given, one must ensure they viewed this - to see if there were any others that were uncharacteristic compared to BAU (Business as Usual)
What are Recent Deposits
400
This is what can be done if an estate account is established, a joint check is presented, but the surviving payee on the check is not the executor of the estate
The check can be cashed or negotiated
400
We must review CTA to verify check stock, check numbers, and this
What is Signature
400
This cane be deposited how:


Payable to: ABC COMPANY and XYZ COMPANY

What is If both are customers of the bank the check can be deposited in either account.


Note: When only (Or if only) one company listed is an M&T Bank customer, DO NOT DEPOSIT

500
It is important to KNOW YOUR CUSTOMER when making the decision to place their account balance on this
What is a Receipt
500
The question that is used when someone from a different area comes to ours to cash a check
What is "What brings you to the area?"
500
When fraud is suspected we contact our RSM - This stands for what?
What is Regional Security Manager - Double Points if you know his name - Extra 100 if you can pronounce his Last Name
500
This is the final step when it comes to Unknown Customer Check Cashing
What is Supervisor Approval
500
This is what can be done to a check endorsed "Deposit only to ABC bank
What is NOTHING
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