RISE
When will a customer use CIS information screen?
Any Customer who deposits, withdrawals, exchanges currency, or other payment or transfer, by, through, or to the financial institution which involves a transaction in currency of $3,000 or more.
What is the current promotion on our cash credit card?
Earn 3% and 2% Cash Back on your choice of Spend Categories.* Plus, you can switch your categories quarterly. Earn 1% Cash Back on other purchases*
Special Offer: Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account
What is a Home Equity Line of Credit?
A Home Equity Line of Credit provides revolving credit, with a Variable Rate and a Fixed Rate Option. The draw period is 10 years with interest only payments and the repayment period is 20 years with principal and interest payments.
Can anyone be a conductor on a business account? Explain the process of adding a conductor and it's importance to the bank?
Mariah to determine answer
What is our cellphone policy?
While at work, the use of personal mobile devices/cell phones are prohibited from being used except for lunch/break rooms and emergencies and should not interfere with operational activities. Personal mobile devices/cell phones should not be on your person, worn or used on the Teller line or sales floor. Mobile devices/cell phones must always be kept on silent or vibrate mode when inside the Store, even when being used in the lunch/break room. Store Employees are responsible for any personal cell phones or mobile devices they bring into a Store, should a device be lost, stolen or damaged. The use of camera features of phones or other devices with photographic or recording capabilities is strictly forbidden unless specifically authorized by Regional Management. Failure to adhere to the Cell Phone/Mobile Device policy is a serious matter and may warrant disciplinary action up to and including termination of employment.
What is dual control?
Dual Control is a process requiring two individuals operating together* to protect sensitive functions, information, the Bank, our Customers and our Employees. In some cases, individuals are assigned tools, such as keys and combinations, to utilize and protect in order to achieve dual control. Combinations should be “split” in order to achieve dual control. For example; one Employee has 1st half of the combination and another Employee has 2nd half of the combination. o A critical component of the process is active participation – Employees participating must understand the intention and outcome of the transaction. o Dual control is utilized in many Store functions, including, but not limited to; opening/closing the Store, accessing various vaults, replenishment of the ATM and the auditing of cash.
How can we double up?
Earn 2% unlimited Cash Back – no rotating Spend Categories, no caps or limits
Special offer: Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening
What is a Home Equity Loan?
A Home Equity Loan is a closed-end fixed rate loan. Payments are made monthly in equal installments of principal and interest, over 5, 10, 15, 20, or 30-years. Funds are typically disbursed in a lump sum at the loan closing.
Name a business service we have for customers?
- Tap to Pay
- Merchant Services
- Payroll
- Online Accounting
What are the six reasons we may need OTP?
- Debit Card Reissue
- Pin Reset
- New account opened within 48 hours
- Wire Bump Up
- Large Transaction Bump Up
- Customer Escalation Bump Up
A Customer sits with your FA for an annuity sale. The FA gives the Customer documents to take home and return. The Customer comes in with the documents and the FA is not working that day. Can you take the documents and secure them for the FA until they return?
No, we are not licensed to talk documents related to FA sales.
How can I save money with a credit card balance?
Our best balance transfer offer: 0% intro APR* for first 18 billing cycles after account opening. After that, 18.24%-28.24% variable APR based on your creditworthiness
How long is a mortgage term?
30 years
What is our small business credit card offer?
Special Offer: Earn $400 Cash Back in the form of a statement credit when you spend $3,000 within the first 90 days after account opening5
Earn 2% unlimited Cash Back – no rotating Spend Categories, no caps or limits
Explain to use the FPOC process and why it is important
Mariah to determine
What is the process for obtaining an offsite approval for an official check over the limit of the team members present in the store?
Such transactions should be Bumped Up! to the supervisor on duty, who may follow these guidelines:
Off-site approvals are not allowed in all instances due to system constraints. It is important that you staff your Store appropriately to ensure an individual with proven decision making skills and the appropriate authority level is on-site.
Clue: Customer mentions they are traveling often with their new job....
What offer do we have to support?
3X miles on travel and dining purchases, including flights, hotels, car rentals, cruises, and dining.1X miles on all other purchases; Miles never expire as long as your account is open and in good standing.
Special Offer: Earn up to 25,000 bonus miles when you spend $3,000 within the first 6 billing cycles.*Balance Transfer: 0% Introductory APR for the first 12 billing cycles for balance transfers. After that, your APR will be Prime + 9.99%.
This APRI will vary with the market based on the Prime Rate.$89 Annual Fee (waived the first year)
What program does TD Bank offer for FTHB's?
TD Right Step Mortgage ®
Fully amortizing, fixed-rate mortgage available with a 30-year term offering expanded eligibility for borrowers that live in designated low to moderate income (LMI) areas or have income < 80% area median income (AMI).
What is merchant services?
Merchant services, also known as payment processing services, help businesses accept payments from customers. These services typically include online payment processing, payment gateways, and credit card processing.
What does our OER include?
- RISE (ROO In Store Evaluation) OR ROC
- CVC
- QA
What are our goals for Chip& Pin, OTP, E-Signature, FPOC?
OTP - 95%
E-Signature - 70%
FPOC: 30 Monthly
HELOC: The ability to use and pay down the line for 10 years, only pay on what you owe.
HELOAN: Customer needs all the funds on the spot, funds are received in one lump sum.
Example: Mariah to determine
What is a Small Business Line Of Credit?
What is a TERM Loan?
- SBLOC: Fast and flexible revolving credit to meet the short-term cash requirements of a business; used to finance working capital such as accounts receivable and inventory.
- Term Loan: Medium term financing to finance the purchase of equipment and / or permanent working capital that is repaid overthe life of the purchased asset.
Customer forgets to sign a document and mentions they will not be in the area for the next few weeks, what steps do we take?
Mariah to determine