Deposits
What are 3 solutions to avoid overdraft fees
Overdraft settings, Balance Connect, Online Banking, Mobile banking, Alerts,
What stage of delinquency does it start reflecting on their credit?
what is after 30 days
What is a HELOC?
What punctuation marks are allowed when changing a primary address number?
what is Periods, Slashes, Hyphens
Apply WTNR action code first then apply BKO
What can you see from a signature card?
what is the signatures of the client that authorize the account
What is an indirect loan?
What is a FRLO?
When updating an dress is CEW you have to _____
What is Update it in UCRS/NGW
What is the time frame for a PTP on a CVLC account?
What is when the payment will arrive within 10 days from the call
Holds are placed on a deposit when the bank believes that a check may not be paid or foresees any other risk
If the account was declined for an extension where do you transfer too
what is Transfer to Single Line
What is HELOAN?
What is a Home Equity Loan. usually 2nd liens,
Where do you update a clients phone number for a deposit account?
What is under Customer Demographics
When speaking with a third party or spouse who informs the bank that the client is deceased?
What is DCSD
When does a overdraft account charge off, and when should they pay the account to make sure the payment goes through?
What is 120 days and 3 days before their charge off date
What percentage is the late charge if payment is not posted within 7-15 days?
what is Generally 4%-5% of late charges
What is the difference between an escrow overage and escrow shortage ?
What is Overage is when you have more money in your account to meet the required minimum balance, shortage is when there is not enough money in your account required for the min. balance.
What is a purged account?
What is an accounts that have not been active
When getting a payment on a mortgage loan what would you action code it?
PTP
how would you define a balance assist, up to how much could they apply for and how much is the fee?
What is a small dollar amount, Unsecured loan that acts as a low cost alternative to overdraft and pay day loans for consumer checking client, client may apply up to 500.00 in 100.00 increments and 5.00 flat fee
What are the steps for a fraud referrals?
1. Determine if the account has a fraud treatment or tag 2. Submit CVLC fraud referral 3. obtain contact information 4. Document in UCRS/NGW 5. Warm transfer to SAM
What should not be disclosed to a 3rd party? (2 things)
What is Mini Miranda and payment alerts
When client ask for a offset reversal and we decline it what should we do for overdraft?
What is submit Offset_reversal_submitter through wave and click reversal denial
when a client commits to making multiple payments within 16 days from the date of the call on a deposit account what would you action code
What is PTPM