Employee Interviews
What is the CRA?
Community Reinvestment Act
What are the Teller Drawer Cash Limits?
Total cash drawer limit = $15,000
Top drawer = MAX $4,000
Top 2 drawers = MAX $10,000
Any excess amount over $10,000 up to the total UB cash drawer limit must be securely locked in the UB’s designated secure location. A
Will the individual key logs for each associate be kept in the Red Security Folder or a drive of some kind?
The individual key logs will be kept in dual control key box, any changes will be communicated
What does an orange tab signify in a safe deposit box. After how many days will their box be drilled?
Customer's rent is past due. Rent must be payed to access box. After 180 days, the fee is $70.00
True or False: The Night Drop is opened under Dual Control.
True. Two associates should be present when the night deposit vault is opened. They must stay together until all items are logged.
What is the rate for a 7 mth Personal CD?
Specials - Fixed Rate CD and IRA
7-Month - Minimum balance $1,000.150% .150%
14 Month - Minimum balance $1,000 .200% .200%
The rate for a 7 month Cd would be .150% Annual Percentage Yield.
How often are surprise cash audits completed?
Monthly
Regarding key logs, does that include everyone in the branch from other departments, such as second and 3rd floor at Wheeling Ave?
This will be for Retail associates only and we will continue to log all associates that have door keys to the branch.
What must a customer do to enter a box?
Sign an Entry Form.
True or False: Customers have to have Night Deposit Contracts in order for us to hold their receipts and lock bags?
True.
All parties that have contracts will be kept in a binder with pickup contacts as well as bag keys. Bag Keys are kept in a locked drawer.
Is it the responsibility of every associate to be able to access the NMLS website for a list of all mortgage loan originators for Peoples Bank? If so, where is it located?
Yes, In Teller Insight under applications. "NMLS"
What Information is needed for a Cash Advance?
Name, Address, Drivers License Info, Signature, Phone Number.
Cash Advance tickets for VISA, MasterCard, or Discover must be performed in person. The tickets should be completed by inputting all information accurately and following the proper procedures.
If the sole ATM teller is not here and 2 individuals have to access the ATM do we have to log the person with combo?
No, only the keys or combinations that are issued to an Individual permanently will be logged for now
True or False: Safe Deposit keys must be stored out of sight during the day and locked in the vault after closing.
True
Where are Night Deposit Drop Bags and Receipts that have signed contracts logged?
Night Depository Pick Up Log
What is the difference between the Walk Test and the Alarm Test?
Walk Test: Activated by the Pin Pad. Test points are in the Main Vault, The SDB, The Cash Vault, Night Drop, ad ATM.
Alarm Test:
Call to activate with acct and receiving code. All alarms on teller stations and in Danielle's Office must be activated, There is also an alarm at Kims Desk.
What is the outage amount in which the outage should be recorded to the ROS Group?
How long do you have to recover an outage?
$100+
30 Days
What are the Negotiable Items? Where are Negotiable Items Stored?
Cashier Checks, Money Orders, ATM Cards, Gift Cards, and Pre-Paid Cards are Negotiable Items. All items need to be locked in the vault/locked vault room every night. Only a working supply of Cashier’s Checks and Money Orders can be brought out of the vault each day and returned to the vault at closing.
Virtually logged in Insight under add access record.
The entry forms are also kept in the vault in chronological order and double checked at the months end.
7 Years
What do we do with ATM Captured Cards?
All cards must be entered in the Lotus Notes database titled "ATM Capture on Notes2" and destroyed in accordance to procedures. Branch associates should update the database to reflect the status of the card.
Where is the Visitor's Log kept? What about the BCP and security checklist?
At the receptionist desk. In the top drawer of the filing cabinet.
How many times a day should a drawer be balanced?
At least twice a day.
What is the opening procedure for stand alone branches? How many people have to be present to access the building?
Two employees must be present to open the branch and follow the below steps:
1. The first employee will drive around the building (where possible) surveying the area.
2. If all is clear the first employee will enter the office while the second employee remains in their vehicle.
3. The first employee will inspect inside the building, restrooms, closets, under desks, etc.
4. If it is cleared, the first employee will set the “all clear” sign.
5. The second employee may enter the building once the all clear signal is set.
a. Employees with branch issued keys should let themselves into the branch.
b. Once an employee has entered the building, they should not leave until the branch is open or for an emergency.
Note: If the all clear signal is not observed or is not correct, the second employee should leave the area and call local law enforcement.
Where can a past due report for the Safe Deposit Box be found?
Image Center
What is the ATM Test Card?
A card used after daily balancing procedures to ensure that withdraws are working properly.
The ATM Test card is to be properly secured with the working or vault supply of negotiable items