Debit Cards
Existing Customer is needing to increase their POS limit, what verification method needs to be completed after verifying caller doesn't need to be transferred to BFU?
XID
Does a customer need to be OOB/2nd level verified to delete a payee?
No.
Tip: However a customer must be 2nd level verified to modify a payee.
What is the deposit posting timeline for an MCD Received by 6:30 PM ET on a business day?
The deposit will post, day of receipt by 11PM ET
Which of the following can't be released without Second Level Verification?
Check/Official Check details
Customer has their debit card setup on an auto payment for numerous vendors. If the debit card is coded lost/stolen, what would happen the those repeating payments?
They will be rejected. The customer will want to set up the new debit card number with the vendors to continue their reoccurring payments.
Customer is trying to get gas with their debit card, but is being declined. Vantiv shows Generic Error 122, what typically triggers this code?
Wrong zip code entered/or needs to be updated.
Which Accounts types are eligible for Bill Pay & what is the required minimum balance to Enroll?
Cashback Debit & Money Market; $0.01
What is the only acceptable Money Order type that can be deposited through the mobile app?
Currently, US Postal Service Money Orders are accepted.
At what point may we release the account number or SSN?
When does Discover send a new debit card for an expiring card?
Replacements for expiring debit cards are automatically sent to the account owner during the first 5-7 days of the month in which the debit card expires
Customer stated they lost their card, what needs to be reviewed on their account before requesting a new card?
Review recent transactions with the account owner, including today's transactions and/or any transactions after the card was lost/stolen.
Customer has a duplicated payment in Bill Pay, which team handles this type of inquiry?
Reg E
When is Aggregation logic applied to Check Deposits?
Aggregation logic is applied when multiple check deposits are received on the same business day for accounts that share the same primary account owner.
Name 3 things you can NEVER release to a customer:
What is the name of the procedure where we can review the break downs for check deposit aggregation?
Deposit Methods, Posting and Funds Availability Job Aid
What's the maximum amount of characters that will appear on a debit card?
27
What are the Mini/Maximum limits for electronic and draft check payments per day?
Tip: The only exception is paying the same payee if they have different account numbers (i.e. can pay two Discover Cards on same day since they have two different account numbers).
Customer wants to know if they send funds to an account of theirs in India, what would be the currency exchange rate and fees for that process?
That a handling fee may be charged by the receiving bank and/or intermediary bank for the transaction and International wires are sent in U.S. currency and may be converted to foreign currency by the receiving bank. Any additional service charge(s)/fee(s) are not charged by Discover Bank or Mellon Bank.
Do you have to verify a customer when making an outbound call? If so, it is 1st or 2nd Level verification?
First Level and/or Second Level Verification should never be completed on an outbound call, placing an outbound call to a verified number is considered proper authentication.
Customer has multiple cards on their account, in order to continue with issuing a new debit card, what must we do next?
Advise the account owner that there are multiple active debit cards on the account, one debit card will be reissued and the remaining will be closed
Customer state's activity on missing debit card is not Valid. Reg E has gone home for the day, what must we do to next for the potentially fraudulent activity?
Send an Email to BFURegE&Recovery@discover.com with the needed details. (review Debit Card Maintenance procedure for template)
On which screen in CST can we modify/or cancel a Bill Payment for the customer?
Customer Payments screen
When unable to review the status of an official bank check in Atlas, (I.E. Closed account that a check has been reissued from) which short cut in Finacle can we use to access this information?
HDDII - Specific Demand Draft Issued Inquiry
If an account is under review, or has an on-going investigation with BFU, what information can we release if 1st level verified?
If the account is under review or has an on-going investigation, no information can be verified with the account owner until the review or investigation has concluded.
Which 6 Letters can be emailed to a customer?