What are loan secured by 1st lien on the commercial real estate being purchased or refinanced. They fall into one of two categories: owner-occupied, and investor real estate.
100
ASK, ASK, ASK
What is the best way to find a Business Opportunity?
100
Business Regular Checking
What is Business Checking Account that requires $50.00 to open, has not monthly service fee, with <75 items per month?
100
ITCU Home Banking
What is the service that Business Accounts use to review their accounts online.
100
BankCard Merchant Services
What is the name of the partner who provides the Merchant Services for our Business Members?
200
Commercial Vehicle and Equipment Loans (New and Used)
What is a loan that a business may for borrow for a new or used vehicle, which will be secured by a first lien position on the financed vehicle.
200
Ask about thier borrowing needs
What is a question you can ask Business Members who are making deposits at the branch?
200
Business Plus Checking
What is the Business Checking Account that is opened with $100 has a monthly service fee of $7.00 that can be avoided by maintain an average daily balance of $2,500, earns a tiered dividend rate.
200
ITCU Bill Pay
What is the service that Business Accounts use to pay their vendors?
200
Use Contact Manager in Portico
What is the correct process to submit a referral to Business Services?
300
Commercial Term Loans
What loan can be unsecured or secured with a blanket UCC lien filing. Is usually used for office equipment or other long term financing needs.
300
Opportunity to Earn Higher Dividends on their Money
Opportunity to Pay Lower Interest Rates on Loans
What benefits are available for Business Members at ITCU?
300
Business Premium Checking
What is the Business Checking account that is opened with $100 and has a $15.00 monthly fee that can be avoided by maintaining a $10,000 average daily balance and receives a tiered dividend rate.
300
ITCU Home Banking and Bill Pay
What are the services that allow Businesses to schedule stop payments and wire transfers?
300
Visa, MasterCard, American Express, Discover, Diners Club, and Carte Blance and on-line and off-line debit cards.
What are the credit cards that can be processed through the BancCardsystem?
400
Commercial Line of Credit
What is a loan primarily used for short term and seasonal needs. It can be secured or unsecured. It can be accessed through the Teller Line, Home Banking, Telephone, or Fax to Loan Processing. As payments are made the amount is applied to the principal and becomes available to the member again.
400
YES
What is the answer for a Business Member if they want to send a Foreign Wire at ITCU? Does ITCU provide this service?
400
Business Non-Profit Checking
What is the Business Checking Account that is opened with $5.00 that has unlimited transactions and does not earn any interested on balances.
400
ITCU Homebanking and Bill Pay
What are the services that allow businesses to review, store and print eStatements?
500
Business Credit Card
What is unsecured revolving credit line which is available to the business member to use primarily for the short term every day business purchases and other needs.
500
We are not able to transfer because that would be considered "co-mingling of funds." An alternative would be to write a business check to himself, which we can deposit.
A Corporation has a membership with ITCU and the president (Mr. Smith) also has a personal membership. Mr. Smith comes to the branch and wants to "transfer" funds from the business to his personal account. What is your response?
500
$5.00
What is the fee for Incoming Domestic Wires for Business Accounts at ITCU
500
ITCU Home Banking and Bill Pay
What are the services that allow businesses to print copies of checks and order checks?
500
Ask for 3 months of statements (heaviest period of use) send to BancCard so they can provide an analysis and quote
What is recommended strategy to use if a Business Member already uses a competitor's merchant service program?