INSURANCE
What is SWBC?
A 3rd party company our CU uses to provide insurance services to our members.
How can we help a member find an ATM near them?
Shared Branching Locator on our website to find an ATM. Get a zip code from the member.
What is needed when a 3rd party company requests a mortgage pay off on behalf of the member? Where do they send it?
Signed borrower's authorization
info@canyonviewcu.com
Do people need to go in branch to become a member?
No, they can apply online
A member calls in asking if we can cash a savings bond. What should you tell the member?
Go to the Treasury's website and upload an image.
What is CPI?
Collateral Protection Insurance, This is placed on a members loan when we don't have proof of insurance. Only protects the collateral, not the member.
What logo on an ATM should you look for to avoid a fee?
The Co-Op shared branch logo
What is an Escrow share for?
To manage property taxes, and homeowners insurance. Ensures payments are made appropriately on behalf of the member.
What department does the online membership application go to and who makes up that team? How do we contact them?
Member Engagement Center:3 agents and 1 manager
Email them
What's the best way for a member to apply for a Skip a Pay?
Online!! It will show the member which loans are eligible for one.
How does a member file a GAP claim with us? How does a member file a GAP claim if they purchased it with a dealership? How can we tell?
Provide the required documents (listed in The Guidebook) and contact the Lending department.
They contact the dealership. You can pull their paperwork to see who GAP was purchased with.
What's the difference between ITM and ATM?
ITM: Interactive Teller Machine with an actual teller.
ATM: Automated Teller Machine has no person, just the machine.
Who do you call for questions about homeowners insurance?
Real Estate Admin- Escrow
How can a member apply for a checking account?
Service event online referral and email the MEC
Can you change the payee name that is on a cashiers check?
Yes, Tab to the name field and type a new name.
What are the methods members can use to provide us with proof of insurance?
Can we remove a hold placed on cash deposited in an ATM?
Yes
How do you run a payoff quote for a mortgage/HELOC? What fees are included in them?
Normal loan payoff procedure in The Guidebook.
Reconveyance fee, Early Closure fee
A non-member lives in Montana and they do not worship, attend school, work, or volunteer in Utah. However, they have a family member who lives in Utah. Are they eligible to become a member with us?
Yes, they can apply online.
Who do you contact if a member is approved for an E-Cash loan, but forgets to accept it?
Email Underwriting@canyonviewcu.com and then have the member apply again.
When should we use the insurance tracker in Symitar?
Never, look at documentation or call SWBC/Lending
How do we work to remove a hold from a check deposit made in an ATM?
Get the check image if you can and review the account.
Don't need check image, advise member to do MCD
How do we pay off a mortgage/HELOC for a member?
The Guidebook Mortgage Payoff Procedure
Docusign the HELOC payoff quote
Where do you go to find out membership eligibility? And what does membership eligibility mean?
Website
The requirements someone needs to become a member with our credit union.
Who decides if Bill Pay will send the payment as a check, ACH, e-bill, or virtual card?
The company the payment is going to.