Checking Accounts Types
Anatomy of a check
Check Cashing Guidelines
Fees
Demand Depost Loan
100

A free account with no minimum balance requirement or per item charge.

What is Easy Checking?

100

The date the check is written to the payee.

What is the Date.

100

An example of this would be would be a Valid Driver’s License ( not expired), a State ID, or a US Passport.

What is satisfactory identification for a customer.

100
$2.00 per month after 12 consecutive months in which there has been no deposits or withdrawals to the account

Inactive Account Fee

100

The Fee charged as long as there is an avaliable loan balance.

What is zero dollars?

200

A free account for our customers 62 years or older that includes free basic checks and a free Super Saver account.

What is Easy Living Checking

200

The individual(s) who are the account owners of the check being written.

What is the Payor.

200

If the payee for an on us check is a Non-Customer.  What must be run on this person and noted on the upper right corner of the face of the check before cashing?

What is an OFAC

200

The fee associated with a stop pay.

What is $25?

200

The dollar amount increment transferred to cover negative balances.

What is $100.

300

Designed for the customer who doesn't want to be bothered by keeping track of minimum balances and the number of checks written per month. This is the only account that provides paper images of paid checks with the monthly statement.

What is Easy Plus Checking 

300

The individual(s) that the owner of the account is making the check payable to.

What is the Payee.

300

Date, amount, payee, maker, and the bank the check is drawn on all must be correct or the check is not...

What is Negotiable
300

The price that Jennifer has placed if she finds Jason's folders in the branch.

What is breaking kneecaps or death?

300

The annual fee for the DDL loan for consumers (hint it is not $25)

What is $20 fee.

400

For customers who want to keep their money easily accessible and want to earn  interest while their money is on deposit.

What is N.O.W. Checking

400

The bank’s identifying number assigned by the American Bankers Association.

ABA Number (or) Routing Number

400

Reluctance to give information, nervousness or impatience, or unwillingness to have check verified are all classified as this.

What are Red Flags.

400

 $2.00 per month after 60 consecutive months in which there has been no deposits or withdrawals to the account

Dormant Account Fee

400

2% or outstanding balance or minimum of $25.

What is the monthly payment?

500

For the customer who wants to earn a higher rate of interest on higher daily balances. For regulatory reasons, only 6 check and/or debit withdrawals are permitted, therefore, should be considered a limited activity account.

Money Market Account

500

Signature of the account holder (payor) writing the check.

What is the Maker.

500

Check presented at the paying bank after a certain period (typically six months) of its payment date.

What is a stale dated check?
500

The price that Jennifer has placed if she finds Jason has cluttered her branch.

What is breaking kneecaps or death?

500

Daily Double

The intrest rate on all advances

What is 17%

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