RID JEOPARDY

Account Alerts

100

Name 3 Level 3 Alerts that requires 2 forms of ID that are NOT CIP 

What are
ID Theft Risk,
Suspicious Person Alert
Confirmed Comp Online Banking
Recent Security Monitoring 

200

What are the 2 transactions that require IDs and Notations for a Change of Address Alert? 

What are New CC and New Debit Card 

300

How many forms of ID does a Level 7 Suspected First Party alert require 

WHAT IS : 1 form of ID unless otherwise noted 

400

How Many forms of ID does Level 9 Confirmed First Party require? 

WHAT IS: 2 forms. If using address, must match address on file.

500

When a member has a Level 5 Charge Of account. What MUST you do prior to processing any transaction? 

WHAT IS: Offer to settle acct with verbiage on ENet  " The following statement is for informational purposes only, and not an attempt to collect a debt: Per your promissory note/credit card disclosure/Navy Federal Important Disclosures (NFCU 606), available funds are pledged as collateral or security interest. These funds may be used without further notice to pay all or part of a delinquency or charged-off balance. "
If member declines, Notate on USD 1 year note. 

Transactions

100

10K IS THE MAXIMUM AMOUNT FOR WHAT TYPES OF CHECKS TO BE NEGOTIATED 

WHAT IS: THIRD PARTY CHECKS 

200

THE MAXIMUM AMOUNT A MEMBER CAN PAY ON THEIR CREDIT CARD 

WHAT IS 105% 

300

True/False When processing a Cash Advance on a Navy Fed Card, we must always use Encore first to try and process the transaction. 

False. We must start in ONEVIEW. 

400

Member deposits a 10k personal check & requests 7k to a cert, & 3k to the checking. What is the Encore process and exact hold to be placed?

deposit into cert first. place cert on extended 5 day hold. place remainder on 2 day hold. 

500

When a member does not have OOPS and their acct is overdrawn ___ or more days, you must place an extended hold; doubt of collectivity when depositing a check.  

WHAT is 6 

Disclosures

100

These Disclosures are required for a New Membership without a checking product

Products & Services
606
Fees & Charges 
Rates (if asked)
SSA-89 (More Only)

200

These disclosures are required for Prospective members 

WHAT ARE: 

Membership application
Products and Services 

Rates *(if asked)
Funds avail *(if asked)

300

Existing member with no e-sign opens MMSA, Cert, Share and checking acct. What disclosures are required? 

Cert 602ED
MMSA 345
606
Products & Serv 

400

True or False: NICL was recently updated to correctly read the accurate Credit Bureau Disclosure prior to credit being pulled.   

False, you still must use the verbiage on E-Net. 

500

When must you read an additional disclosure when sending a Domestic Wire? 

When you are sending a wire for Escrow/Real Estate. 

Credit Cards

100

The maximum amount you can pay on a CC 

105% 

200

True or False: Auth Users CANNOT request CC statements 

False. Auth users CAN request CC statements 

300

What is the balance transfer fee that navy federal charges? 

0% 

400

Credit card limit Increases must be done in ______ increments. 

What is $100 dollar. 

500

If a member is ____ days past due on a CC, it auto defaults to 18%. And takes 6 months of consecutive on-time payments to return to original rate.  

60

Miscellaneous

100

True or False? MSRs Have the ability to cancel BILLPAY payments in Branch for members? 

True. MSRs can cancel payments that are not "pending and/or processing in ONEVIEW

200

Name 2 obstructions to adding a joint owner 

• Primary owner 
  • The specified account(s) are currently overdrawn
  • Delinquent lending products
  • Bankruptcy Alert no discharge notes
  • POW/MIA Alert (Level 7)
  • Fraud Alert (Level 9)
  • Security Alert (Level 9)
  • Security Action Alert (Level 7 - Customer Identification Program - CIP)
  • Cease & Desist Alert (Level 3) - member must submit a written request to rescind the alert to Cease_&[e-mail]. Once removed, the J/O request can be resubmitted.
  • Any charge off alert on an account that has not been paid in full
  • If the primary has a Sold Loss, Settled, or Short-Sale Mortgage account, they are eligible to add a joint owner.
    • Navy Federal is no longer collecting on those losses
    • Joint owner
• Fraud (level 9)
• Security (level 9)
• POW/MIA Alert (level 7)
• Account Closed by Security Alert (level 7)
• Deceased Alert (level 7)
• Member Deceased JO Access Alert (level 3)
• Cease and Desist Alert (level 3) - member must submit a written request to rescind the alert to Cease_&[e-mail]. Once removed, the J/O request can be resubmitted.
• Security Action Alert (level 7) (CIP)
• Bankruptcy (level 3) no discharge notes
• Any charge off alert on an account that has not been paid in full (including Paying)
• Any accounts are currently overdrawn
  • Accounts are not considered overdrawn if an OOPS is present with a balance under $500
• Lending Product(s) that are currently delinquent
• If the prospective joint owner has a Sold Loss, Settled, or Short-Sale Mortgage account, they are eligible to be added as a joint owner.
  • Navy Federal is no longer collecting on those losses.

300

Certificate Grace Period is 

What is 21 days 

400

Minors may be joint regardless of age on any accounts except? 

What is MMSA, Checking (must be 14) 

500

True or False? When sending a Domestic Wire of  $49,995, team leader approval is required. 

TRUE. 

• Domestic wire requests $50,000 or more, regardless of payee
  • The $50,000 limit takes the fee into account (i.e., if the wire is $49,995, the fee will result in the total amount being $50,000 or more thus requiring team leader approval).