Non- Customer Check Cashing
What is the name of the website we use to run the non- customer's name?
WatchDog
Where can you find a sample of the customer's signature?
Documents tab, ID tab on Relationship Profile, Documents on Person/ Member page, Nautilus
What does DAMPER stand for?
Date, Amount, Maker, Payee, Endorsement, Routing Number
Where is the guidebook for identification located?
Top right drawer under the printers
If a customer presents a paycheck, what type of hold is applied?
No hold/ Paycheck
What is the Woodstown limit for non- customers cashing checks?
$1,000
What screen do tellers utilize to view prior history on an account?
Balance History/ Query History
What is our current all clear?
Lei in the drive thru & closed blind in conference room
Where can you find a copy of a customer's ID?
Documents tab, ID tab on Relationship Profile, Documents on Person/ Member page, Nautilus
If a customer has a check for $30,000 but only has $15,000 in the account, what type of hold needs to be placed?
5 day/ extended hold
What information needs be on the back of checks? 4 things
ID number, expiration date, who you spoke to/ when to verify, Supervisor signature
Name 1 thing tellers should be looking at/ considering when cashing checks for customers
ID, DAMPER, balance/ balance history, signature on file, does it make sense for the customer
What do HMDA & CRA stand for?
Home Mortgage Disclosure Act & Community Reinvestment Act
Name 1 acceptable form of secondary identification
Social Security card, health insurance card, major credit card
What type of hold is applied on a business account deposit?
1 day
When cashing a check for a non- customer, this is the person you need to call to verify
Account holder/ signer
Jane Smith presents one of her checks with a legal line difference. What should you do?
Ask her to fix the issue and initial next to it/ have her fill out a new check/ have her sign a withdrawal slip
Who is the Security and CRA Officer?
Kim
Besides a license, name 1 acceptable form of primary identification
Passport, ID Only cards, government ID, military ID
What amount is available next day, per federal guidelines, on a small deposit?
$275
What is one piece of information on the presented check that you can use to verify over the phone?
Check number, amount, payee, date of check
John Smith presents a check payable to Jane Smith, who is not present, for cashing. They do have a joint account. What should you do?
Deposit the check and then create a withdrawal for John to sign
Who are the Risk & BSA Officers?
Risk- Melanie, BSA- Beth
How long are NJ licenses good for?
4 years
What amount is available next day, per federal guidelines, on extended holds?
$6,725