Products
What is the minimum deposit to open a small business checking account?
A. $0 B. $1,000
C. $100 D. $10,000
C - $100.
I need to clean this at least once a week. What am I?
A. Keyboard B. Counter
C. Coffee Machine D. Cash Machine
D. Cash Machine.
Customer has $1,500 in a free checking account with a weekly direct deposit, uses their debit card more than ten times a month, and has online statements. Do you think the customer is in the correct account based off of this information? If not, what product would you recommend?
Relationship Rewards Checking.
Customer walks into the bank saying they left their debit card in the machine about ten minutes ago and don't see it there anymore. Is this a situation where the banker can waive the $5.00 replacement card fee?
No.
Universal bankers have a cash advance limit without leadership approval of how much?
A. $100.00 B. $500.00
C. $2,500.00 D. $5,000.00
D. $5,000.00
Which two business checking accounts have a minimum balance requirement in order to avoid a monthly maintenance fee?
RightNOW and Select checking accounts.
Client - "I don't recognize this charge on my card!"
What is the name of the system the banker may use for this situation?
Centrix.
Customer typically maintains around $2,000 monthly in their relationship rewards checking account. What are two account specific products you could recommend to them?
Statement Savings and Certificate of Deposit (CD).
Customer comes in saying they would like to replace their existing debit card with a new one but keep the same number. Can the banker fulfill this request? Should the banker charge or waive the $5.00 replacement card fee?
Yes - if the customer turns in their old card. Yes.
Can Fidelity Bank negotiate savings bonds for power of attorneys?
No.
How many secured credit cards does Fidelity Bank currently offer and what are their names?
2. Max Cash Secured Card.
Deposit Operations Documents. Last name of customer - last four of account - document name.
Customer doesn't have online/mobile banking with Fidelity Bank. You talk about the benefits they would receive from having online/mobile banking with us. Client says they don't have a computer or smartphone. What would be an alternative product you could offer in this case?
SmartVoice.
Customer says their debit card isn't working. You see they have 2 invalid pin attempts. You ask the customer if they know their pin number and they say they are not sure. Is the customer locked out of their debit card? Show me where you would go to unlock their card's pin attempts. Do you think the banker should offer to assist the customer with resetting their pin number?
No. Yes.
Non-customer requests a $2,000 cash advance off of a card that doesn't have their name on it, and they have an unexpired driver's license. What can the banker do for the customer?
Banker can only authorize this transaction for $100.
Customer wants to get a loan with Fidelity Bank to purchase a 2015 Honda Accord. What loan is not an option based off of this information?
A. Vehicle B. Relationship Line of Credit
C. Home Equity Line of Credit D. Personal Loan (Secured/Unsecured)
A. Vehicle.
Scenario:
Customer says they purchased something online using their debit that they want to dispute. Would the banker submit a fraud or non-fraud dispute?
Non-fraud dispute.
Clickswitch.
What are three things a banker must verify with a customer before creating a new debit card in the deposit origination session.
Verify the customer's address, phone number and email are up to date.
Customer wishes to cash a savings bond that is made payable to a minor. What is the banker required to do in this case?
On the back of the bond and the redemption receipt - print the child's name, social security number and address then use the stamp certifying that the person cashing the bond is the parent of the child. Have the parent sign beneath the stamp.
Which credit card offers the following feature?
"Get $2,500 bonus points (worth up to $25)." After your first purchase.
College Real Rewards Card.
Name at least three questions a banker should ask every customer who wishes to perform a wire transfer for the purpose of protecting the customer from fraud/scams.
Do you know the person/company that you are sending the wire to?
Have you done business with this person/company before?
Have you met with this person/company representative before?
Were you contacted by the person/company or did you initiate the contact?
What method of communication was used between you and the person/company?
Does the person/company offer other forms of payment (Ex. card/cashier's check/money order/ACH)?
Customer has $500,000 in a relationship rewards checking. They get a by-weekly direct deposit, have online statements, and use their debit card 100 times a month. Client wonders if the bank has better options for them. What are three account specific products that would benefit this client?
Relationship Checking, Relationship Money Market, and a 6–18-month term CD.
Customer comes in saying their card didn't work at Dillions. You get the customer's debit card pulled up and you notice the card is in a warm status. You inform the customer that the card is locked due to a suspicious transaction attempt. They want their card turned back on. What steps should the banker take for this situation? What would happen if the customer did authorize the charge in question? What would happen if the customer didn't authorize the charge in question? What if the customer isn't sure or doesn't remember?
1. Inform customer that you will be calling the department that handles these situations to verify which transaction caused the card to be locked (warm status).
2. Ask Bank Card which transaction caused the card to be locked.
3. Once Bank Card lets you know which transaction caused this, you will inform the customer the details of it and ask them if they authorized this or not.
4. If customer says they authorized this, banker will inform bank card of this, employee will submit a miscellaneous connect incident detailing all of this and requesting bank card to turn the card back into an active status and then bank card will turn it back on once they receive the incident.
5. If customer says they didn't authorize it, banker will hot card the card due to fraud and then take the customer into the office to print a new card.
6. If the customer isn't sure or doesn't remember, banker can't turn the card back into an active status. In this case, the best option is hot carding the card and getting a new one.
Customer Selena Gomez comes into the bank to cash a savings bond payable to Selena Paisley. Banker informs Selena that we will need either a marriage license, divorce decree or legal name change document to cash this bond. She doesn't have the name change document with her and Selena claims she came into the bank with that paperwork already and had changed her name with one of the bankers at a different branch. Where would the banker first look to find that document? If they didn't find it there, whom can they call to ask if we have that document on file already?
Deposit operations documents folder, Horizon XE, and Connect. Account Services.