CDs
Our deposit interest rates are updated on this week day.
What is Wednesday?
In the event that a customer must place a deposit only lock out on their account, what information would we ask for in preparation to monitor the account?
What is a list of outstanding items?
This form is used when a customer visiting a branch in person requests changes to their contact information, address, or personal identifying information.
What is a CPC?
We might tell the customer they should bring a valid government issued photo ID, cash or check for their opening deposit, and in some cases, proof of address, if they ask this question.
What should I bring with me to open a new personal account?
We would call this department with questions about insight transaction processing, and required forms or documents.
What is deposit operations?
This CD does NOT automatically renew for the same term, but will instead automatically renew for a 91 day term.
What is the 4 month CD?
This type of check fraud is done by obtaining a customer's account information, and printing ones own checks using that information.
What is counterfeit?
This form is used when a customer orders an other country's legal tender.
What is the Foreign Currency Purchase form?
We might tell the customer that their first order is free, but following orders will vary based on style, quantity, additional features, and extra accessories or supplies, if they ask this question.
How much do checks cost?
We would call this department with questions about online banking, zelle, ATM transactions, and debit cards.
What is Direct Banking?
Renewal notices must be mailed to account holders at least this long before maturity.
What is 30 calendar days?
This type of check fraud is done by obtaining an authorized check, and then changing one or more aspects (such as the amount, payee name, date.)
What is alteration?
This form is used when a customer's stated deposit amount and actual deposit amount show a discrepancy of $5.00 or more, and we are not able to notify the customer in person or via phone call.
What is a Deposit Adjustment Notice?
We might tell the customer that these types of checks are available to all customers for no charge if they ask this question.
How much do you charge for bank checks and money orders?
Clients may withdraw this from any CD without penalty.
What is interest only?
This type of check fraud is done by forging the payee's signature on the back of the check.
What is forged indorsement?
These forms are used when a customer requests to speak to an employee from another department about a mortgage, investment service, or merchant services.
What are referral forms?
We might tell the customer that an uncommon account might be suitable for them if they ask the following question.
I have an overdraft history at another bank, can I still open an account?
We would call this department with questions related to balancing, foreign currency, and foreign items.
What is accounting?
Withdrawal of principal without penalty is permitted under the following circumstances.
What are
1) court declaration of mental incompetence
2) death
3) transfer to Osaic
4) IRA distribution for customers age 73 and older
If check fraud is reported, this form must be completed and signed by the customer in front of a notary.
What is an Affidavit of Alteration?
This form is used when a customer receives keys to our night deposit chute, and may also be used to list appointed persons authorized to pick up bags.
What is the Night Deposit/Drop Service Contract?
We might tell the customer that they should write a check payable to someone using their full first and last name in the payee line, and direct that person to cash the check at one of our branches, if the customer asks this question.
Can I send someone who is not a signer on my account to get cash for me?
We would call this department with questions about suspicious or unusual activity, suspicious safe deposit usage, and concerns regarding potential elder abuse.
What is Risk?