How can you help me?
Why am I getting a $6 charge on my account each month? How can you help me?!
It looks like you receive paper statements.
These are how you can verify a customer without security questions.
What is:
-Asking for one of their last transactions around how much was it and where was it at.
-Who they get their payroll from, around how much it was, and when it came in.
-Who they pay for Insurance and around how much it is.
-How much their Social Security and/or Pension is and when they get it in each month.
-Who was one of the last checks you wrote to and about how much it was.
DO NOT ASK FOR SSN, ADDRESS, DOB, ETC.
The limit for non-customers On-Us check cashing.
-Do ask if they have a banking relationship with a FI, if so they can take it there to be cashed.
-If they do not have a bank, ask them if they would like to open an account with us, then if they do ever get any more checks from On-Us customers, they can either cash or deposit them.
-Most people attempt to cash larger checks when they are trying to avoid something, like: Child Support, Garnishments, etc.
If you have this Savings Account __________, you must have this Checking Account __________.
Forward Savings, Forward Checking
This is the amount of money someone could withdrawal from a check we placed on Hold.
What is $225
P2P daily limit is this.
What is $250 a day
I only earned $12.56 in interest last year and just feel that I can be doing better. I have my psb checking ($3247.00) and statement savings accounts ($31,589.00) with you, is there anything you can do for me?
They have a few options!!
#1- Do they meet all three qualifications for the FWD DDA/FWD SAV? If so they can be making .89% in DDA and 1.01% in SAV! We can also suggest opening a CD Special if some of the funds do not need to be used in a certain time frame. If they do not and would not be able to meet the qualifications, or need the funds to be more fluid then option 2 works better for them.
#2- Talk about our Money Market Savings account, go over tiers ($5000-$49,999 gets .50% rate and APY). If they do use their debit card 10x a month they can also change their DDA to a Donation account to earn .05c per transaction, and if they sign up for e-statements we will waive the Maintenance Fee. (once the tier hits $50,000-$99,999 the interest jumps to 2.72%rate & 2.75%APY)
#3- If they do not need the funds to be fluid, then our CD specials would benefit them the best!
Bob and Betty have a joint checking account. Bob brought in $6355.00 in cash at 4:00pm on 3/12/2024 and deposited it into their account. Betty was in on 3/13/2024 at 9am and deposited $4780.00 in cash. What do we need to do?
We need to complete a CTR!
The funds brought in were on the same business date and totaled more than $10,000.01 in cash. If Bob and/or Betty's ID's were expired, I hope you got them from them while they were in, if not you will be calling them to get an updated ID for them both. (One of the MANY reasons why we need to be updating profiles while people are in). Fill the CTR out in full, with name, address, occupation, SSN/TID, DOB, Copy of ID and information from it, the date the transaction was processed, the account number it went into, and the amount of cash.
Once completed, a copy of the ID will accompany the CTR and be given to the Compliance Officer/or Designated Operations team member.
P2P 7 day limit is this.
What is $1000
These are the three qualifications to get the better interest rate on a FWD DDA or FWD SAV Account.
What is:
Having Electronical Statements, being able to receive and open.
Having 10 debit card transactions post in your statement cycle.
Having 1 ACH in OR out of the account each month.
My Mom passed away and believe she has accounts with you, how are we able to access them? What do we need from them? (Hint-Two Main Things)
#1- Death Certificate
#2- Estate/Executor Paperwork
(POA ends upon the death of the person, unless someone is a FULL OWNER they can not access anything until we have these documents, only acceptation is for a SDB and STAFF may get into the box with someone watching to see if there is a Will)
P2P 30 day limit is this.
What is $2500
Gosh, you know I travel all the time and get so many fee's from pulling money out of ATM's when I am not around here. Is there anything you can suggest that can help me?
Our Forward Checking Account!
-Domestic ATM Fee reimbursements up to $20 ($2 per single transaction) provided if qualifications are met within the monthly qualification cycle.
Leprechaun Larry, customer of ours, brought in a check for $14,638.75 that he would like to deposit and withdrawal $500 from. Larry's average balance in his account is $300 and his current balance is $304.78. What can and do we need to do for Larry? (3 parts)
#1- We can attempt to call and verify the funds on the check. Lookup the number and call the FI to see if they will verify funds, if it is a MortonCB then call the one here in Princeville they will always verify funds for us. If they are not able to verify funds then we need to place a hold.
#2- Place the hold! This will be a two part hold, a Case by Case and an Exception due to the amount of the check (over $5525). The Case by Case 2 day hold will be placed for $5300 and the Exception hold is placed for 7 days for $9113.75. (Business Days) How did we come to that amount? 14638.75-225-5300=9133.75
#3- Larry can have up to $225 out of the check we are putting a hold on, so he is able to withdrawal a total of $500 from his account. Due to his balance being $304.78 and able to receive $225 from the check: 304.78+225=529.78
This is the maximum number of bills that would be able to come out of the ATM with one transaction in general. (Example: someone using a Tax Refund Debit Card)
What is 50 bills. (20x50=1000, $1000)