CONSUMER CHECKING
What are the names of the three main types of consumer checking accounts offered at HNB?
Asterisk free, Perks, Platinum Perks
What are the names of the three main types of consumer savings accounts offered at HNB?
Premier Savings, Relationship Savings, and Relationship Money Market
What are the names of the three main types of business checking accounts offered at HNB?
Business 100, Unlimited Business, Unlimited Plus Business
What are the names of the two Business savings options?
Business Premier Savings & Business Premier Money Market
What are the other benefits that come with every account? Name 3.
$50 safety zone, 24 hour grace, overdraft protection, online banking, free debit cards
What are the balance requirements or fee waiver options for each checking account?
Asterisk free- no balance requirements, no fees
Perks- 5k total relationship balance, or 1k direct deposit through each statement cycle
Platinum Perks- 25k total relationship balance
What are the balance requirements or fee waiver options for each savings account?
Premier- $300 or any checking account
Relationship- $2500 or any checking account
MMA- $25k or perks/platinum perks checking account
What are the monthly maintenance fees for each account, and how do we waive them?
Business Checking 100- No fee
Unlimited Business- $20, waived with 10k in total relationship
Unlimited Plus Business- $40, waived with 50k in total relationship balance
What is our CC annual fee?
$0
Describe the $50 safety zone & 24 hour grace!
$50 safety zone- customers can go -50 without any fee
24 hour grace- customers have 24 hours to being their account up to -50 to avoid a fee
How many free ATM withdrawals to you get for each type of checking account?
Perks- 5
Platinum perks- Unlimited
How often can you withdrawal or transfer from any of our savings/money market accounts?
As often as you would like!
What are the cash processing limits for each account, and the fees associated with cash processing if they go over the limit?
Business 100- $2500
Business Unlimited- $20k
Business Unlimited Plus- $25k
All are 30 cents per $100 over each limit
What are the balance requirements for each savings account? Are there ways to waive the fees if the balances are not there?
Business Premier Savings- $500, no
Business Premier MMA- 10k, no
How much is our overdraft fee? Is there a limit to how many overdraft fees a customer will get?
$15, yes, limit of 3
What discounts come with the Platinum Perks checking account?
Mortgage interest rate discount, HELOC interest rate discount, HELOC annual fee waiver
How often is the interested compounded for each account?
Premier- Quarterly
Relationship- Quarterly
MMA- Monthly
What are the transaction limits for each account?
Business 100- 100
Business Unlimited- Unlimited
Business Unlimited Plus- Unlimited
What credit cards do we offer?
Secured, Cashback, Voice rewards/low interest, Business Voice
How many bonus services do each business account get, and what are their options? Name 3!
Business 100- No bonus services
Business Unlimited- 1 bonus service
Business Plus Unlimited- 2 bonus services
Remote deposit capture, reverse positive pay, check block, payroll, returned deposited items features, or wire benefits
What are our New Branch Opening consumer checking account incentives?
Asterisk free- $500 direct deposited within 90 days of opening, stay open for 90 days, receive $200
Perks- $500 direct deposited within 90 days of opening, stay open for 90 days, receive $400
Platinum Perks- $25k deposited into account within 90 days of opening, stay open for 90 days, receive $600
What are our current savings account rates, or how can we find them? If we don't know them, show me how to find them!
Online Rates in Essentials;
Premier- .01
Relationship- $0-4999.99 is .01, $5k and up is 3.5
MMA- 4%
What are our New Branch Opening business checking account incentives?
Business Checking 100- $100 bonus with $2k deposit within 60 days of opening, and keep open for 90 days
Unlimited Business Checking- $400 bonus with $5k deposit within 60 days of opening, and keep open for 90 days
Unlimited Business Plus Checking- $1000 bonus with $20k within 30 days, maintain 20k deposit for 60 days after meeting deposit requirement, and keep account open for 90 days
What are the benefits of our credit cards? Pick two!
Secured- Builds credit, 250-2500 limit, 1% cash back
Cashback Card- 1.5% cash back on all purchases, no cap, can balance transfer for 0% for 12 months within 90 days of opening
Voice rewards- 3% category you choose per quarter, 1% everything else, can balance transfer for 0% for 12 months within 90 days of opening
Voice low interest- low interest card with no rewards, can balance transfer for 0% for 12 months within 90 days of opening
Business Voice CC- 4% cash back on a category you choose, 1 % on everything else, can balance transfer for 0% for 12 months within 90 days of opening
Name 2 of our consumer lending products!
HELOC, Personal loans, Auto loans, HELOAN, Mortgage, Consumer first mortgage, Misc titled loans, ULOC