Opening/Closing
This is the minimum number of employees needed to open a branch
What is "2"
What types of accounts accrue interest?
Savings, Money Market, CD's
What does CRA and HMDA stand for?
Community Reinvestment Act
Home Mortgage Disclosure Act
What is your top drawer limit?
What is your overall drawer limit?
Top-$2,500.00
Overall-$12,000.00
What does the acronym for DAMPER stand for?
D-Date, A-Amount, M-Maker, P-Payee, E-Endorsement, R-Routing Number
What is the current "All-Clear" Signal?
What is the "pink heart" in the drive thru window & the blinds "drawn" in the conference room.
If you get a request for a commercial loan, what do you do?
Collect contact information from the customer, send email to Michael Penk, copy Rob Bender, Kim Robinson, Charlene Rutherford and branch manager.
Who is the Security and CRA Officer?
Kim Robinson
What monetary amount on a check or withdrawal requires a Supervisor Approval?
$2500.00
6-Months
What is the purpose of checking the ATM daily?
What is: To ensure there are no skimmers/sticky residue/fake panels/etc...
What other products can be offered to a customer that has a checking account?
VCC, Credit Card, Online Banking, Other accounts, Mobile Banking, Zelle, Google/Apple Pay (Wallet), Bill Pay, etc...
Who are the BSA and Risk Officers?
BSA-Beth Waddington
Risk-Melanie Prickett
What is the limit for cashing a check for a non-customer that requires a Supervisor approval?
$1,000.00
Why are you having checks over $2,500 approved by management?
So, they can look at the bigger picture and make sure the customer is not being scammed or depositing a check that may not be good. To check the balance history and make sure the checks being deposited are not out of the customer norm.
What is the procedure if an unknown vehicle is parked in the parking lot prior to opening?
What is the purpose of using the "Relationship Profile" button?
To determine cross-sell opportunities, to understand customer account history, to have access to additional customer information, etc...
Where can you find the CRA file?
Where can you find the HMDA disclosure?
3rd Credenza Drawer
On the wall close to teller door.
How much cash received from a customer requires the completion of the BSA log?
$2,500.00
Which amount listed on the check is deemed the "legal" amount?
The written amount on the "legal" line.
If the inspecting employee does not post an All-Clear signal within a reasonable amount of time, what is the correct procedure for the observing employee to follow?
Place a security call to the branch, asking "Do you need a cash delivery?" If the answer is "yes" ask "how many hundreds do you need?" The inspecting employee should respond by indicating how many robbers are in the building. Ex. $10,000=1robber, $20,000 = 2 robbers, etc...
What are the terms & Rates and minimum deposit amount for our 3 CD promos?
6-Month 3.75%APY-$10k new money
9-Month-3.50%APY-$10k any money
12-Month-3.25%APY-$500 Minimum
What was our most recent CRA rating?
Satisfactory
How much cash received from a customer requires the completion of the BSA Cashiers Check Sales log?
$2,000.00
What is the Routing Number for FNBE?
031203915