Credit Cards
What is the annual fee for the classic credit card? (Personal)
No annual fee
35$
What does the POD need to do when the original owner dies?
Bring in the Death Certificate. We will verify their identity and verify POD status on the account.
What is one red flag when someone is trying to deposit a fraudulent check into their account?
A large check for an amount they typically don't receive. Customer is rushing. Overexplaining the check. Something in the memo line of the check. Customer asking "When are my funds available?" The source of the check doesnt typically make sense.
What should we be approving in paycom, every other week to help Mindi and make sure our time is correct?
Approving our paystubs!
What is the balance transfer fee for our credit cards?
No balance transfer fee
What is our outgoing wire fee (domestic)
20$
What should happen with a deceased customers check to properly negotiate the check.
It should go into an estate account after the person has passed away with a few exceptions.
What are two ways to prevent deposit check fraud?
Call and verify the check with the bank. Talk with your customer about the check and find out more details. Talk with another bank associate to see their thoughts.
If you are needing time off for an appointment/holiday, where should you go to put that in?
Paycom- Time off requests or request time off.
What is the annual fee for our business card?
29$ per card
What are the 2 money order fee amounts?
2$ if under 300$ MO
5$ if over 300$ MO
What pieces do you need to setup an estate account?
Articles of administration, EIN number.
A non-customer is in the drive thru lane trying to cash a large check. What steps should you go through to ensure it is a valid check?
Compare the signature on the check to signature card on file. Compare check numbers to make sure its in line. Make sure the customers story of receiving the check makes sense. If you are unsure about the check. Call and verify with our customer.
You see a customer with 60,000 sitting in a regular savings account. What could you mention to that customer?
Hi _____, I see you have a larger balance in your savings account. Would you be interested in our Money Market plus account that can earn you quite a bit more interest on your money?
What is the interest rate difference between the classic at platinum cards?
2.50% (16.92 classic and 14.42 platinum)
What is the domancy fee? (how much and an explaination of dormancy)
10$ per month
How long are checks honored for deceased customers?
10 days
What are two different red flags of someone attempting fraud when opening an account with the bank?
Customer opens the account with a check. Customer has frequent questions about overdraft. Customers want to know when they can get access to their funds.
Hey _______, I've seen you in here pretty regularly, have you ever thought about opening an account with us, and you can just deposit your funds here with us?
Do you bank anywhere nearby? Since your check is written off us, we can open an account pretty easily and the funds are available immediately.
How much travel accident insurance do you have on the platinum credit card?
Up to $250,000
Why is the TISA important?
It explains fees/charges on the customers account. Details like processing order, transaction limits, and how we calculate their balance.
When can someone use a small estate affidavit?
If their estate does not exceed 75,000 as of 2024.
What are some questions we can ask our customer that potential fraudsters wouldn't know, even if personal information has been compromised?
Where the customer gets their direct deposit/regular checks from. Mailing address. phone number on file. What branch did you originally open your account at? The last check the customer wrote?
You see a customer who has repeat overdrafts on their account. What can you do to potentially save them money/fees?
Overdraft protection with a savings account or mention our credit card as a possibility of giving them a little more wiggle room with their money.