Opening / Closing Procedures
What is the procedure to follow if all-clear is not posted?
Call into the branch. Identify yourself and ask if a cash delivery is needed. If the response is last name/financial center name, wait for all-clear to be posted and enter the branch. If last name/financial center name is not given, end the call and immediately contact the police and protection services. Remain in your vehicle and be observant for any details which may assist law enforcement
What items may not be shared?
ID's or Passwords
Are you able to print the rate quote spreadsheet and give to a customer?
What does SCRA stand for?
What does it do?
Servicemembers Civil Relief Act
Allows US Armed Forces to have certain protections and Provides relief on loans during their time on active duty
How many times do we check the ATM in a day?
Twice!
What is the clean desk policy?
Computer is locked anytime the employee leaves their immediate work area (teller station and/or office).
All customer specific information is out of sight to other customers and is secured or put in shred bin at the end of the day
Bottom teller drawer or platform desk drawers are locked when not in use (tellers: bottom drawer at all times. TCR FC’s, only locked if cash is secured in second drawer)
keys are not left in locks, but are kept with employees or locked under dual control at all times.
How do you quote a non-tiered savings account rate?
The rate is effective today and may change at any time. “Annual Percentage Yield”, a phone number for current rate information (The interest rate is not required)
What is a UAR and where is it located?
Form is located on the company-wide links on the homepage of the HUB. It is used to report any suspicious or unusual activity from the business line (structuring, check kiting, ID theft, etc.)
What is the opening procedure for the Financial Center?
The inspecting employee will perform an exterior inspection of all financial center exterior walls, doors, windows, and ATM. Employees that do not drive should be a safe distance from the building and should be observing the Financial Center entrance With observing employee focused on the building (and located at least 2 parking spaces from the inspecting employee’s vehicle), the inspecting employee will enter the branch, check the premises, turn off alarm, and post the all clear. When all-clear is posted (manually and electronically), the observing employee (and any other employees that have arrived) may enter the branch.
What is the procedure for sending an external email with confidential information?
The word “encrypt” needs to be placed in “[ ] “, in the subject line of the email. No confidential information should be in the subject line.
Who at Granite Run can quote the rate for a HELOC?
Ethan, Kat, Shelly, & Emily!
What transactions requirie a Conductor to be completed?
All transactions involving cash of $3000 or more, and all night deposits containing cash
What is the Closing Procedure for the Financial Center?
One employee (or more) shall remain inside the financial center while the other employee(s) exit the facility. Once the exiting employee(s) have reached a safe distance, the remaining employee(s) must arm the premise area before they exit the financial center. When all employees have reached a safe distance, all employees will then depart at the same time.
When you break for lunch, what needs to be done to your teller station?
- Tickets put away
-Work Run
-Drawers Locked
-Screen Locked
How do you quote a HELOC (non promo) rate?
“Annual Percentage Rate”, “The rate may be higher or lower as the rate is based on several factors including credit score and LTV.” The employee providing this information must have an NMLS number.
What transactions require a CTR to be completed?
All cash transactions over $10,000 for Fulton customers, or over $3000 for non-customers.
As you walk in to open the branch, a stranger rushes in behind you and tells you, "You are being robbed". He wants you to disarm the alarm panel. What numbers will you input?
012260
What should never be posted on a wall / computer screen / desk calendar?
Customer information!
Can you give me the quote on your 3 month CD?
I’d be happy to help you with that! The rate I provide is effective today and can change at any time. You can always give us a call at this number for updated rate information. The minimum balance on our ___ month CD is $1,000 and the current Annual Percentage Yield is X.XX %. Is there anything else I can do for you today?
Whose business cards are not allowed to be kept behind the teller line?
Patrice's (FFA)