Credit Cards
Smartly accounts
Business Essentials
Business
Client Engagement Model
100
What are the 5 Personal Credit Cards
*NON-Secured
What is
Shield (New)
Cash+
Shopper Cash
Altitude GO
Altitude Connect
100
Monthly maintenance fees on Smartly savings and how is it waived?
$5
Presence of a Bank Smartly checking or Safe Debit account
Presence of an U.S. Bank Smartly Card
account holders under 17
100
Opening deposit amount for a business account
$100.00
100
If a Business would like overdraft protection, What can we offer?
What is a deposit account, business reserve line, cash flow manager, business CC
100
What are all 4 steps of the engagement model
200
Personal card(s) with an annual fee
Bonus if you know the fee
What is the Shopper card
No annual fee for the first year, $95 thereafter
200
Monthly maintenance fees on Smartly Checking and how is it waved?
Maintenance fee $12
Fee is waived for 1st 2 statement periods
Combined monthly direst deposit totaling $1500+
Average account balance of $1500+
Account owner on an eligible small business checking account
200
What is the Monthly Maintenance fee for Business Essentials?
$0
200
Documents needed for a LLC
Signed Articles of Organization Select 'Corporate Formation Document'
Unexpired Government Issued Business License
Letter from Secretary of State Website Select 'Letter of Good Standing'
200
What is the making of a good positioning statement?
Identify and confirm the client's initial request.
Set a clear purpose and expectation
Confidently expresses the benefits to the client in sharing information and engaging in further conversation
Share time commitment and request confirmation to proceed
300
What card has $20 annual statement credit after making purchases for 11 consecutive months
Shield
300
What are the Customer Groups for Benefits
Military
Senior (65 or over)
Young Adult (age 18-24)
Youth (age 13-17)
300
What is Business Essentials? How would you explain it to a client?
Business Essential is a new product that combines a ck account and payment options
300
What are the Business Account Types
What is Business Essentials, Gold, Platinum, Non- Profit, Premium
300
What are the Skills needed for the Engage/ Re- Engage Stage?
Welcome with a Genuine desire to help
Establish a personal connection
Use Positioning Statement
400
What are the rewards on the GO card?
4X on dining, takeout and restaurant delivery. Effective April 14, 2025, on the first $2,000 each quarter
2X at gas stations/EV charging stations and grocery stores (discount stores/supercenters and wholesale clubs excluded)
2X on streaming services
1X on all other purchases
400
What is the Smartly Savings Interest Rate Bump Tier's?
No eligible products 0.05% APY
Under $5000 - 0.98% interest rate bump *1.00% APY
$5000 to $24,999.99 - 2.42% interest rate bump *2.50% APY
$25,000 to $49,999.99 2.91% interest rate bump *3.00% APY
$50,000 to $99,999.99 2.91% interest rate bump *3.00% APY
$100,000+ 3.39% interest rate bump *3.50% APY
400
Business Essentials Hardware and pricing
Moby5500 Card Reader
First Card Reader INCLUDED
Additional Card Reader - $49+ tax
400
What Business Accounts Qualify for Business Essentials
What is Sole Prop, Partnership, Single Member LLC, LLC, Corporation
400
Explain the Explore Stage
open ended questions to uncover needs based on the details from the client
guide the conversation from general topics to asking questions based on client's cues, picking up on trigger words and asking follow up questions
make connections between conversation topics and clients financial goals
500
What is the new cardmember offer on the Shield?
0% intro APR for 24 billing cycles on both purchases and balance transfers
500
Current promo and bonus if you know dates
Client must make at least two direct deposits within 90 days of account opening; bonus amount is dependent on direct deposit totals:
To earn $250: Direct deposits totaling $2,000 to 4,999.99, OR
To earn $350: Direct deposits totaling $5,000 to $7,999.99, OR
To earn $450: Direct deposits totaling $8,000 or more
BONUS **Apply during the promo period between May 1, 2025 through Jun. 26, 2025
500
Transaction Fees on business Essentials card reader?
RATE and Per Item
Key Entered 3.50% $0.15
Tap/Insert 2.60% $0.10
Ecommerce 2.90% $0.30
PIN/PINless Debit 2.60% $0.10
500
Your Business Client would like to purchase new business equipment and its gonna cost them 30,000 as well as needing extra 10,000 to pay for some maint, needing the money asap, What would you recommend to your client?
Quick Loan Unsecured- loans from 5,000-50,000
purchase business equipment or any general business needs
does not use equipment as collateral
500
Client States "i dont use Credit Cards" using the CEM how would you validate, redirect, respond, and verify this objection
i can def understand you not wanting to use or feel the need for a cc
however can you tell me specifically why you feel that way? why you dont use credit cards?
Even though you dont excessively spend you could be earning rewards on everyday purchases and as long as you pay off that card every month you wont be paying any interest. Also id like to mention the security of using a cc over a debit card, if your card happens to get compromised when you use a credit card they dont have access to your personal money, while a debit card has full access to your funds
Since you mentioned you liked the idea of earning rewards on your purchases as well as having that extra security on your account, the application takes about 5 minutes are your ready to proceed with this and start earning that extra money?