Red Flag
Mbr Svc
Ck Fraud
Robbery
AMS
100
Through what two reporting agencies must new members pass in order for Red Flag Procedures to be completed?
What is Penley and TransUnion
100
This action shows you care and is a strong deterrant to robbers.
Greeting members as they come in the door.
100
For a check deposited into a 75 account, drawn on an accont in NY district, without any special holds on it, would have a hold placed on it for ___________ days?
2 business days
100
True or False. It is acceptable for an employee of RBCU to carry a weapon onto Credit Union property.
False.
100
Micky and Minnie are joint owners on an account. Sadly, they are breaking up. Micky comes in and wants to take Minnie off of the account. Does this work?
No. Minnie has to be here.
200
The FACT Act passed in 2003. It affects many different areas. Particularlyl, our member are impacted as they are now entitled an annual copy of the Credit Report; Credit Unions are impacted in that:
They must protect members from ID Theft and Fraud
200
"If you aren't ________________, your aren't learning anything!"
listening
200
A check is presented to you which has a funny texture. It's kind of wrinkly. There are little dots on it. It is likely this check has been subject to:
Check Washing
200
True or False. In the event you are witness to a robbery in progress. You should hit an alarm if you feel it is safe to do so.
True.
200
In true feline fashion, Sylvestor has many offspring. He has all three of his children listed as beneficiary on his account: Wes, Max, Sam and Tom. Speedy finally got to Sylvestor and Tom and they have run out lives. Who is entitled to what percentage of money?
Wes - 25% Max - 25% Sam - 25% Tom's Estate - 25%
300
A potential member want to open an account. They have a valid CA driver's license and social security card. What must be provided before an account is opened?
What is two pieces of official mail.
300
A consumer with a bad service experience tells approximately _______ people?
10.
300
What are the three questions that will help protect tellers from taking bad checks?
1. How much is the check for? 2. How much is in the account? 3. How long has the account been open?
300
True or False. In the event of a robbery, you should lock the doors as quickly as possible, regardless of whether the robber has left yet.
False. Never lock a robber inside the building.
300
Donand and Daffy opened a savings and a checking account last year. At that time, they didn't want debit cards. Daffy is in the office today and is interested in getting cards for both of them. Can this be done with just her signature?
Yes, if the account was opened just last year there should be an existing Part 1.
400
True or False. Verifying the last 4 digits on a member's Discover Card satisfied verification of "Out of Wallet" information.
False.
400
This is the term for a technique in which you convey what needs to be conveyed, but by do so in a non confrontational manner that makes both parties feel good.
What is Positive Communication
400
Jane Doe opens a new business "Doe's Doilies." It is a new DBA account. Do we have to fill out the BSA Form? How would the account be listed in GUI?
Yes. JANE DOE DBA DBA DOE'S DOILIES
400
True of False. If you are a victim to a robbery and the robber tried to take you with him, do you go?
NO! Do everything in your power to escape.
400
Marvin the Marshian had a girlfriend for a short period of time. He only added her to his 20 account. As they are broken up, he was to take her off this account. What would you suggest? What you mark on the bottom of the Part 1: O, C, R or A?
Close the account. R for revised, it's only the 20 account being closed.
500
A member has an "AD" note pop up on their screen. What two things are ideally done?
Verify ID and Change Member Status to "M"
500
Being able to think of how another person must feel in a situation, or being able to put yourself in other people's shoes is:
Empathy
500
A routing number starts with the number 10. What type of financial instituion am I and in what federal reserve district am I located?
Bank. Kansas City.
500
After a robbery, you are asked not to talk to anyone about the robbery. Why is this?
When people talk and share facts, they get muddled. Tell your version to Law Enforcement and let them figure it out.
500
Mark, Quinn and Diane are all owers on a True Business Account, IES. Diane is retiring and they want to add Sarah on in her place. If Sarah, brings something in on letterhead stating her position and what current ownership should be, signed by persons of authrity, can she be added onto the account and Diane removed?
Yes, all owners are not required to be present in order change ownership. ***any owner not previously on the account does have to be present for OFAC/Red Flag Verification***
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