Overdraft
Which overdraft service is a transfer from your savings or a preapproved line of credit?
Overdraft Protection
With the money market account you are only allowed to have 12 transactions in a month. If you go over you get a fee.
True, has to stay under 12 or else will get charged a fee
When CM send the post or rejects in the mornings when does the customer need to make a deposit or transfer by?
12:00
What are the 3 pillars of our mission statement?
Educate, Empower, Exceed
Who do you call for bill pay questions?
IBDC
If someone has overdraft protection to pull from a savings account or a line of credit how much is the fee?
$6
After the EFT form is signed you just send it by email to IBDC
False, these have to be dropped into the Form Drop Off folder.
If we are cashing a check for a customer of ours drawn off of a business account and it pops up and says that the check isn't in Positive Pay, what do we do?
We have to call and verify it no matter if they are a customer or not.
What does FORD stand for?
Family, Occupation, Recreation, Dream
When the flag for returned mail pops up, what do we need to do?
Ask the customer if the address is correct, if not we need to fill out an address change form and if it is you need to tell Tracy, Savanna, Lauren or I to remove it
What are the limits if someone is signed up for overdraft privilege?
Consumer-$800
Business- $1500
Only custodians are allowed to withdraw from an OTMA account
True, the minor is not allowed to withdraw from the account.
What is the purpose of Positive Pay?
To protect our customers from fraud
When you are focused on a transaction, what is something that you should still be doing?
Smile
Where do you go to add a stop payment into cocc?
Double click on the account, go to maintenance, then stop payments
What does Overdraft Protection cover?
ACH and Check withdraws only
Managers are allowed to increase POS limit on debit cards to $15,000.00
False, managers are only allowed to approve up to $10,000.00
When you call about a mobile deposit what information should you have to give CM?
The amount, the account number, and when they did the mobile deposit
What is our mission statement?
Value People with Every Interaction
What does a business need to open an account?
EIN, Articles of Organization, Operating Agreement (if they have one), the signer driver's license
What does overdraft privilege cover?
Checks, ACH, Standard withdraws. Have to meet qualifications for ATM, bill pay and debit card transactions.
The statement cycle on our First Fed Cash Plus and First Fed Cash Back is the 30th of every month
False, the statements for these accounts cut on the 25th of every month
What is the form called that we would use if a fraud charge was made with the routing and account number?
Unauthorized Written Statement
What are the 5 stages on the Customer Experience Cycle?
1. The Welcome
2. Understanding the need
3. Suggest the most appropriate solution
4. Delivering the Solution
5. Continuing the Relationship
How do you print your teller totals in cocc?
Transactions, Teller, Totals, Query, Print the middle section