Sales Comms
True or False: non members can cash savings bonds at CACU?
False! as of 2/22/23 non members can no longer cash savings bonds at CACU.
What two things do you need to do in DNA every time you open a new turning point account.
Change description on the membership savings to "Turning Point Savings" and add a $99 management hold with no expiration date.
A credit card falls under what point of engagement?
transactional/spend
True or False: Adding someone's child to their credit card as an authorized signer with CACU will help them build credit.
False! We do not report to the credit bureau on authorized signers of credit cards.
True or False: Bayer members will have their ACHs and direct deposits automatically moved to their new CACU account number?
False! Please advise the member that they are responsible for moving ACHs, automatic payments, and direct deposits from their Bayer account to the new CACU account.
What all do you need for a beneficiary to avoid an app error?
name, DOB, social, phone number, address
What are the 6 points of engagement?
Deposit/save
loans/borrow
convenience/manage
wealth management/invest
transactional/spend
real estate/live
What is the Promo code for the new branch?
WELCOME2023
What is the max amount for a temporary debit card atm withdrawal.
$1500 without leadership approval
How do you clear the flag: ssn associated with additional subjects?
can be cleared with 2 OOW questions or the original ss card.
How many points of engagement does the following member have? Bob Jones has a membership savings with $1, a 9m CD with $500, uses online bill pay, and has a credit card that he uses almost everyday.
2 points
online bill pay - convenience/manage
credit - transactional/spend
The new branch Promo! What do you earn and how do you earn it?
$150 for cashback or chiefs checking with estatement enrollment and 15+ POS transaction requirements
and
$100 for high interest savings with $1000 balance.
31 DAYS FROM ACCT OPENING
Any existing member's that have savings bonds that have a combined value over ____ should each be verified through the US Treasury Savings Bond and Verification tool.
$10,000.
How do you clear a High Risk Consumer List Alert?
Review CONA to see why applicant is on HRCL. If HRCL gets cleared still need to run credit etc.
Example: charge off - call loss recovery specialist
What are at least two open-ended questions you can ask at account opening, before you even get started. (interact before you transact)
- What brought you to CommunityAmerica?
- What loans do you currently have?
- What kind of savings goals do you have?
- When was the last time you had a financial review?
The dormancy/inactive fee is waived on accounts if the balance is greater than ____, is less than 18, or has another active account.
$2,500.
Do members ever need to re-enroll in e-statements?
Yes, anytime a new subaccount (deposit or loan) it will automatically set as paper and they will need to re-enroll in e-statements through OLB.
List 4 acceptable forms for proof of residency
1. Utility bill (water, electric, or gas)
2. Lease agreement/mortgage docs
3. Current pay stub
4. Current financial statement
What products and services would you offer to the following member?
Travis Jones, a 34-year-old construction worker requesting to open a new checking account because you recently moved to the area. You’re married to Alice and you have two children, Ben (age 7) and Bella (age 5). You are currently renting an apartment until you have a down payment saved for a house. Current accounts: checking $2k avg bal, savings $8k avg bal, 401k $59k bal, auto loan $10k, auto loan $23k, 3 credit cards $13k,
What are the benefits of the Premier Checking, that is no longer offered?
Free official checks, free overdraft transfer, free checks, free standard SDB, earns APY, monthly fee is waived if combined product balance of $20k ($9)