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100

Where is the NCUA’s Your Insured Funds Brochure? How much is a member insured for through NCUA?

Front counter to the right of greeter. Coverage starts at 250K and can be increased by varying account types and ownership. 

100

What is the procedure when granting visitor access at NFCU?

1. ID them

2. Enter in GL with Co. name and individuals name, and sign in under vendor visits. 

3. Assign the vendor to a team member or leader who is escorting the visitor. 

100

What is the height limitation for lowering window coverings? 

For smaller windows (windows that are not from the floor to ceiling), shades/blinds must be at least 6 inches from the lowest point of each window. 

100

What Signage is required at each teller pod? 

Funds Availability Policy

NCUA 

100

Where is the branch's System Outage Playbook located?

In the top Drawer of the station behind POD 1.

200

What is the retention policy for wet signatures obtained for transactions $3000.00 or more? 

1 week + current

200

Jed Clampett, a 6 year member came to the branch to deposit his check. What hold would be placed on the check Jed presented for deposit?

1 Business Day 

200

What are the procedures when member PII has been compromised by or involving a branch team member?

The Member Personal Identifiable Information (PII) Compromise - Incident Reporting form must be completed. Email the form to the BOD Risk Office, copying the branch leadership team, with the following information:

  • Names of any employees involved.
  • Names, access numbers, and state of residence of any members involved.
  • Specific details on what occurred and what information was compromised (e.g., were individuals aware of compromise, date of compromise).
  • Any actions already completed (e.g., cards deactivated and reissued, account shutdown performed, Make it Right card issued).

Include as many details as possible to assist Risk Office with the inquiry. 

200

What are the walk through guidelines for opening and closing the branch?

Opening: A team member must be present and must remain outside the branch before the authorized team member for the alarm system can enter the branch. 

  1. Survey the outside of the building to ensure there are no signs of a break-in.

  2. Verify that the all-clear signal was reset from the previous night before entering the branch. 

  3. Immediately re-lock the door upon entering the branch.

  4. Turn off the alarm.

  5. Conduct a walk-through inspection of the branch to ensure that no one has gained access overnight and to ensure that it is safe for other team members to enter.

  6. Set the all-clear signal to inform all branch team members that it is safe to enter the branch once everything is secure.

Closing:

  1. Verify that all vaults are locked and cabinet locks are secured according to the Secured Items Storage procedures. 

  2. Ensure drawers with bait money are locked prior to closing and exiting the branch. 

  3. Scan the branch for any documents containing sensitive information, (e.g., Personal Identifiable Information [PII]) and ensure they are stored according to the Secured Items Storage procedures. 

  4. Conduct a walk through inspection to ensure no members are still in the building. 
  5. Ensure adequate lighting is on throughout the branch and the lobby.

  6. Ensure visibility into the branch by following the requirements for all the window shades/blinds.

  7. Reset the all-clear signal if there are no security issues.

  8. Close the folding walls, if applicable. 

  9. Activate the alarm.

  10. Lock all doors (e.g., front entrance, folding wall) leading to the branch lobby.

200

When a NON-Member comes to NFCU to cash a NFCU negotiable item what info is required to be obtained and entered into encore? Do they have to sign the check?

Last name, middle initial, first name, full address. 

*Phone number not required. 

Yes, the check must be signed.

300

What are the procedures for reopening a closed/closing account?

Reopen a closed account:

1. Meet the guidelines

Reopening a Closed Account Guidelines

  • The information below applies to accounts with a satisfactory closure. 

Account TypeGuidelinesMembership Savings 

A member can reopen a membership account within 30 days of closing even if they are no longer within Navy Federal's field of membership.

  • If the account has been closed for more than 30 days the account cannot be reopened. 
  • The member must qualify for membership and a new account must be opened.
  • To establish a new account, follow the procedures on Reactivating a Previous Membership page. 

Non-Membership Accounts Can be reopened as long as the closed account still appears in UAD.

Accounts with Joint Owners

Do not reopen a closed joint account unless you speak to, and receive permission, from all owners.

  1. Identify all owners and receive their verbal permission to reopen the account. A Joint Owner may be called if not present, but must be properly identified before reopening account.
  2. Place a non-expiring account level note on both the primary and joint account owners profile in UAD. 
    • Example: Received permission from (owner 1) and (owner 2) to reopen closed account ending in xxxx.

Minor Accounts

If the owner of the account is still a minor, the adult joint owner may authorize the reopening of the closed minor account.

  • All profiles (i.e., minor primary, adult joint) must be notated.  
  • If there are multiple adult joint owners on the account, a  Membership Application for a Minor (NFCU 97MI) must be completed and signed by all owners to reopen the account.  
  • If the primary member is no longer a minor, the reopening is treated as a regular joint account where both parties must authorize the reopening and must be notated.

2. In USD access the Closed Account Maintenance function.

3. Chose Reopen a closed account action.

4. Select account to be reopened.

5. Place a non-expiring account level note on the applicable account(s) in UAD detailing the reopening and the names of the owner(s)/joint owner(s) requesting to reopen the account. 

Reopen an account in closing status: Contact Branch Support. 


300

When is the appropriate time to complete a CTR? When is the appropriate time to complete a SAR?

CTR: Cash going in or out 10,000.01 and up.

SAR: Anytime you feel a transaction or situation is suspicious. EX. Structuring.

300

What information is recorded in the 04 and 09 Draft logs for an 04 draft and a 09 draft? 

04 Draft

  • Business date of the transaction
  • Name of the member or non-member requesting the draft
  • Dollar amount of the draft
  • Member's account number from which the funds are being withdrawn
  • Payee's name
  • Employee ID number of the team member processing the transaction

09 Draft

  • Amount
  • Payee Name
  • Location (e.g., SOB)
  • Date check is physically provided to the account owner
  • Description
    • Employee ID number of the team member processing the transaction
    • Account number from which the funds are being withdrawn
300

What is the process for completing a cash advance on a NON Navy Federal credit card?


****50 point bonus: What is the cash advance limit with NFCU for performing cash advances from NON Navy Federal cards.***

1. Identify the member properly. 2 Forms 

2. Verify Credit Card BIN

3. Have Member swipe the card and request the card back from the member. (Cards can be accepted with and without the member's name printed on the card. Use due diligence when processing cash advances to detect any red flags )

4. Verify the card number has automatically populated in the "Card Number" field. Team members must verify that the first 6-digits automatically populated in the "Card Number" field matches the first 6-digits of the account number embossed on the credit card.

5. Verify the "Exp Month" and "Exp Year" fields have automatically populated. 

6. Process the request in encore as normal to include adding the 2nd form of ID and having the member sign for the transaction. 

***14999.99***

300

TCR Audits must be completed every _______ calendar days. 

45

400

What resource can be used to verify current marketing campaigns? 

Marketing Matters 

400

How often must ATM verification be completed? 

At least every 14 calendar days.

400

What disclosure's are required when opening a new membership? 

***100 Bonus if you have the item number and date***

  • NFCU Products & Services Form/Brochure (NFCU 1314) 2/23
  • Navy Federal Important Disclosures (NFCU 606) 7/24
  • Schedule of Fees and Charges (NFCU 2043ep) 11/23
  • Current Rate Sheet 
400

What decals/signage is required to be displayed on the branch's ATMs? 

Funds Availability Policy & ATM Network Logos Decal-

9093 (4-23)

Funds Received After Decal - The item number will vary depending of the time reflected.- 9083 (10-21)

Braille Decals-9082 


400

What are 2 instances when a teammate with level 1 authority would need to sign you off your cash bag? 

1. When bag is over/short 24.99 or less. 

2. When an employee with a cash bag does not have level 1 authority. 

500

Provide 3 transactions that are $10000.01 or more showing the required signature guidelines were met. 

FANTASTIC!!!

500

If a member came to the branch to authenticate their pending membership, that needs proof of ID and address. What is an example of docs we can use, and how would it be notated?

Any CIP chart documents. 

Approved ONA application in branch. Member completed 97HX. Verified primary ID (DL, #123456789, VA, DOI 1/1/19, DOE 1/1/22) and proof of address matching address of application on file (bank statement, account #5678, Wells Fargo, DOI 5/01/2021, DOE N/A). Provided member with Welcome Packet and sent documents to image.

500

Provide 3 Transactions $3000.00 or more with screenshots reflecting ID requirements were satisfied. 

AWESOME!!!

500

James Frankin comes in to the branch to request a new membership and checking account. After completing the opening process the member states she has a check to deposit. 

What hold would you place on this check?

$5525.00- 1 Business Day 

$24917.33- 5 Business Day


500

Ozzy, a 10 year member, brought his wife Sharon in to open a membership savings and a checking account. Sharon made Ozzy joint on both of her accounts. Two weeks later Sharon comes in with 2 checks to deposit into her checking account. What hold would you place on her checks? 

1 Business Day

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