Consumer
Which account reimburses ATM fees per statement cycle? Up to how much?
The Gold account
Up to $40 per statement cycle
Can Non Profits have a Regular checking account?
Yes
A customer comes in to make a deposit into her checking account. During the transaction you notice they have a high balance in their account. What could you suggest to the customer to keep their funds safe against fraud?
-A Separate Checking account to keep funds separated. Ex: an account for bills and an acct for fun
-A Savings account to keep funds safe from debit card and check fraud but also their funds would grow with interest.
What services can our IBanking Call Center help customers with?
Give two correct answers.
BONUS POINTS IF YOU CAN NAME ALL OF THEM
Password Unlocks/resets
RSA Unlocks/resets
Bill Pay trouble shooting
User navigation
Quicken/Quickbooks
What role is assigned to a signer on a Business account?
Authorized Signer
What consumer savings accounts come with a passbook?
Passbook Savings, IRAs and CDs
At what age can a minor have their own checking account and ATM card?
BONUS POINTS
When can they have a debit card?
16
BONUS
17
He would save $260 a year by opening an account with us.
Who can perform a Medallion Stamp service?
Amy, Ali or Tara
Business Money Market
Which accounts received interest paid at the end of the month?
IRAs and CDs
What are our ATM and Debit Card Limits?
BONUS POINTS
What are the limits for customers under 18 years old?
-ATM WD - $510 per day
-POS - $1,000 per day
BONUS
-Age 16 - $300 ATM WD Limit
-Age 17 - $310 ATM WD Limit and $300 POS Limit
What product should we discuss if someone comes in with a check over $500,000 and would like to earn decent interest but doesn't want to tie it up?
Premier Money Market should be discussed in this situation and any that the customer wants to deposit $250,000 or more.
What is the charge for research for a consumer account?
$ 25 per hour
additional fees may be imposed if there are copies or more complex....
What is the minimum balance required in a Business Basic Checking account to avoid a fee? How much is the maintenance fee?
$1500
$10-Maintenance Fee
What are the different ways a Gold Checking account can have the monthly maintenance fee waived?
Maintaining a $10,000 balance daily
or
Having a combined balance of $10,000 between their checking, savings, money market, IRAs and CDs
Is there a limit on transactions on a money market account?
No more than 6 checks and/or electronic debits per statements cycle.
Remote Deposit and Night Drop Deposit
What is the daily limit for consumer mobile deposit?
$2,500 per day and/or up to 5 items.
Which business account type comes with transaction restrictions?
BONUS POINTS!
What are the restrictions and what do they include?
Business Basic Checking
BONUS
Fewer than 150 transactions per month (includes Checks paid, OTC deposits, ATM deposits and deposited items
When does a Christmas Club Account mature?
1st Friday of October
What is the shortest term cd that we offer?
What is the longest term cd that we offer?
BONUS POINTS
Can you name all the terms that we offer for CDs?
3 month
5 years
BONUS POINTS
Regular CDs: 3 Month, 4 Month (Special), 6 Month, 9 Month, 12 Month, 15 Month, 18 Month, 24 Month, 30 Month, 36 Month and 60 Month
IRA CDs: 12 Month, 18 Month, 24 Month, 36 Month and 60 Month in both Fixed and Variable Rates
A customer comes in every week to deposit their paycheck. What product or service could we offer the customer to deposit their paycheck and save a trip to the bank?
BONUS POINTS
What is the deposit daily limit?
Mobile Deposit
BONUS
$2,500
What are the services a consumer could utilize on their Online Banking?
-Transfers
-Mobile Deposits
-Billpay
-Setup Alerts
-Review transactions and Statements
-Set up Travel Notifications
What documents are needed when making changes to a business account?
For most business accounts you will need:
-Meeting Minutes
-New Sig Card
-New Verafin Questionnaire
-New Business Resolution