ELAN
What card providers do we offer through ELAN?
We offer VISA and Mastercard.
What is our emergency gathering points?
Cascade: Starbucks at D&W --> Sugar Momma Bakery and Cafe
Woodland: Gold and Silver store --> Eyeglass World
Where are our foreign currency order receipts stored?
In the audit drawer.
How often should everyone (Olivia, Kyle, Kimi and Jenn) get audited?
Quarterly
A customer just got a check from their insurance claim for $2500! What would you likely mention?
A promotional CD
What is prime?
7.5%
How many robbery kits are located in the branch and where are they?
There are 2 robbery kits, one in the working compartment and one in Jenn's office.
What Savings Bonds are we ALLOWED to cash?
I bonds, E bonds and EE bonds.
What are the DETAILS we look for?
Date of birth, Expiration date, Test under black light, Alterations, Inspect Picture, Location (their address), Signature
A customer is constantly coming into deposit checks and complains about always having to drive, what would you likely recommend?
Mobile Deposit Capture or the ATM
What is the best SECURED credit card for a frequent fast-food spender?
Secured Max Cash Credit Card
If you answer a phone call with a bomb threat, what is the course of action?
What is the MAXIMUM amount of IBFTs we may store in our working compartment?
Up to 25
What is the MAXIMUM number of Cashier Checks we can store in the working compartment?
Unlimited (Still only store as many as you would need in the drawer)
A customer comes in with a cashier check of over $300,000 from another bank, they are asking if it's possible to get a better rate.
Referral to Mary!
How long is the introductory 0% APR for our platinum credit card?
18 billing cycles
If you were being robbed at the teller line, what is the progression of giving the robber money?
Whatever is safe, comply with the robber
How often does the Working Compartment Reconcilement Log need to be done?
Weekly
How many debit and credit advices can we store in dual control?
None!
What loan terms do we offer for our cash-out refi?
10, 15, 20 or 30 years
Name 5 of the categories that are 5% cash back with our Max Cash Preferred Card
TV, Internet & Streaming Services // Fast Food // Cellphone Providers // Department Stores // Home Utilities // Furniture Stores // Electronic Stores // Recreation // Entertainment
What is the correct course of action if you are on the phone with a customer and they are saying things like "I'm coming over there" and "You better watch yourself after work"
This is considered physical threat. Comerica's policy says to call security (866-526-1683), lock the doors and to inform manager and staff.
How often should we review notary logs?
Weekly
How should we process a customer surrendering a safe deposit box?
Authenticate customer and fill out access ticket --> Pull lease agreement and all other documentation --> Take keys from customer --> ALL lessee(s) sign the lease agreement to surrender safe box --> Make sure box is empty WITH the customer --> Dual control seal the keys in an envelope --> Mark the lease agreement "Surrendered", date and attach ticket --> Surrender on SA99 system
How long does it take to access cash-out refi funds and HELOC funds? How do you get the money?
Cash-out refi: Average 45 days, lump sum at closing.
HELOC: Average 30 days, access to line of credit.