BCP Fun

Holds Funds

100

The amount that we can issue a customer if we are holding a cheque (provided the account has been open more than 90 days)

what is $100

200

Hold period when the cheque exceeds $1500

what is 5 business days

300

Hold period when the cheque is in CAD funds but drawn on a Bank in Australia

what is 30 business days

400

True or False

Non TD -customer can cash TWO Gov cheques for $1000 each with the proper ID requirements

What is true

Customer can cash up to $1500 PER Gov. issued cheque

500

You must issue a letter of refusal when you decline to

what is:

cash a cheque

open an account

extend a hold period

Refuse first $100

Document Knowledge

100

Documents provided when opening a New Account

What is

FST

FSA

About our Accounts and Related Services

About our Interest Calculations

CDIC Brochure

Privacy Agreement

200

Information to print and be disclosed when issuing a New Visa

Print information box "cost of borrowing"

disclose

Interest rate, grace period, fees, min. payment requirements

300

Documents that must be on display in the branch

what is

"About our Accounts and Related Services", "Our Current Interest Rates", "For More Information..", "If you have a problem or Concern" 

 Public Accountability Statement must be posted on our website

400

Document to be provided when issuing Overdraft Protection

What is ODP Schedule and FST if FSA not on file

500

Issuing a new accesscard, you must disclose and provide 

What is

provide:

Cardholder and Electronic Financial Services Terms

Easy Access Customer Confirmation Form

• Section 5 - Card and PIN Security and Confidentiality: Ensure the customer understands the importance of keeping their PIN and Card secure at all times. Customer should follow the four security tips outlined in the T&C. This will help prevent fraud, reduces their liability and unwanted risk
• Section 7 - Your Liability for Transactions: Ensure the customer has a clear understanding of what they are accountable for in the event that unauthorized activity is performed with their Access Card
• Section 8 - Our Liability: Explain when TD Canada Trust is responsible, in the event of unauthorized activity performed with their Access Card
• Section 10 - Limits: Explain the limits assigned (tier 2) and that limits can be lowered if the customer feels the limit levels set for them could put them at a liability risk; customers should be made aware that these limits are there to protect their funds - not restrict their access
• Section 13 - Resolving Disputes: Discuss how TD Canada Trust will make every attempt to resolve the customer's issue within 10 business days and explain how to make a claim; during the investigation, customers may need to provide a signed written statement, and if applicable, a signed written affidavit; this may result in a temporary suspension of the 10-day time limit
• Section 14 - Service Charges: Ensure the customer understands the current charges for Electronic Financial Services used by them.
• Section 31 - If you have a Complaint: Explain that all concerns and complaints are resolved through a structured process; customers should contact a local TDCT branch or EasyLine when they have a dispute; when not satisfied disputes can be escalated using this process

Random Need to Knows

100

ABBS stands for

What is Access to Basic Banking Services

200

True or False

CDIC protects Mutual Fund TFSA Accounts

what is 

FALSE

300

To be submitted when a customer wants to access their personal information

What is a Personal Information Access Form 

400

The 4 levels to resolving a customer complaint

What is

1. Branch Staff

2. Management

3. DVP

4. Customer Cares

500

A wire payment checklist must be completed when the wire amount is 

what is $50,000+

Opening/Closing

100

The Duress alarm code is

what is 000114

200

Must be checked by opening supervisor before entering the branch

what is

ATMs for tampering, back doors for forced entry, no clients in the vestibule

300

True or False

Premise check inside is completed in the morning

what is FALSE

Premise check must be completed at closing before staff is let out to go home

400

Bundles that need to be re-run and verified before shipping out

What is 50's and 100's

500

Must be armed by opening supervisor in the morning before opening for clients and staff  

what is

the JIT

FA Specific

100

True or False

An acceptance letter is valid documentation for an RESP withdrawal

what is 

FALSE

200

True or false

Fund Facts does not need to be provided before placing a trade as long as it is done in the meeting

What is false

fund facts must be provided to the client before a trade is placed

300

Must be provided when MG GIC redemption/withdrawal is requested before maturity date

What is

Value on business day before request

Penalties/charges

Net amount payable before processing

When/how value is calculated/that the value could change

400

Must be provided and disclosed to customers when opening a GIC account 

Confirmation of Investment

- interest rate, how it is calc. and paid, charges, issue and maturity date, details of early redemption or cancelled rights, renewal details

500

Upon opening a credit product ( loans, mortgages, etc.) must provide

total cost of borrowing, terms and conditions of repayment, cx rights and obligations, info about MTG default insurance when applicable