PCA
Can we remove a hold on a cheque deposited into PCA for client?
No
Under what circumstances can you remove an OT block on a visa?
When only the account with OT block is up to date and within limit
Which screen do you go to view the last OR a pending payment on a PLC?
55, 3, 2, F10, 15
F1, Transit number/Colt number, 20
What is the difference between term and amortization on a mortgage?
The term is when the mortgage is due for a renewal, and the amortization is how longthey have to pay off the mortgage
Sweep does not apply to which product?
Credit Card
How do we explain full coverage requirements to clients for COPS?
"Every 90 days we ask you to bring your overdraft to a positive balance for one full business days"
How many days delinquent is required for a 66% re-age on visa? (range)
60-89 days past due
How do you identify if a payment went NSF on a Loan?
Transactions show as X and R on payment line
What are the payment frequency’s client can have on a mortgage?
Weekly
Monthly
Biweekly
Semi-monthly
On which days can the sweep go through?
Tue- Sat
What’s the minimum amount for an ODS?
$100
How many days delinquent is required for a 50% re-age on visa?
90+ days past due
What are the 2 different types of PLC blocks?
30 and 40
Which screen can we locate the interest rate of a mortgage?
Screen 218
Does Sweep work with another FA
No
PCA is an overlimit overdraft and showing $-1120.22/$500, how much does the client need to deposit to bring the account to its limit?
620.22
What is included in profiling? (4 things)
Checking CVC
Checking pending payments on host systems
Days delinquent on DRS
Arrears history on DRS
Where do we find a block message for PLC?
55, 3, 2, F10, 23
Which screen can we verify if Capitalization (deferral) has been applied previously on a mortgage?
219
How is the Sweep Exemption removed?
It is removed by credit counsellor
What is needed for a ROO reversal?
Partial reversal
PTP on file
Email completed template on One Note to respective emails, and cc manager
Probe for RFA and reason for reversal
What is one of the added steps needed if you ROO a PCA with 2 owners?
To check if any joint account holders are not a minor
How do you find PAD info for a Loan on COINS?
55, 3, 2, F10, 31, 30
Where do you locate the PAD account for a mortgage?
218, Shift F3 2x, 1, Enter
Give me 3 messages on COINS that could prevent the Sweep from working?
Caution, deceased, dept