Deposits
The Account that earns 1.00% annual percentage yield for the first $20,000 and 1.00% - .20% APY on balances greater than $20,000, subject to the qualifying factors being met during each statement cycle.
What is The Remarkable Checking Account.
A member is looking to lower their monthly payments, but does not want another credit pull. They also have a large sum of money to put down.
What is Re-Amortizing a loan/ Loan Modification.
List 2 reasons why being a knowledgeable representative is beneficial to the member experience.
Answers will vary.
Examples:
1. Ease of business
2. Confidence in the CU
3. Able to provide the best options for our members.
Member may have misplaced their debit card, but does not want to close out the current one as they are thinking they may have just misplaced it at home, what is an Online/Mobile banking option that you can provide?
What is blocking/unblocking their card under card management.
These Loan applications are done completely online.
Student loan applications, and Priority Cash
List 2 ways that we can make a member feel Valued.
Answers will vary.
Example:
1. Standing up to greet a member.
2. Thanking members for their membership.
3. Personalizing the member interaction by utilizing their name.
Member is requesting for a payoff amount, what is a tool that is available to them to save them time?
What is the Calculate Payoff button under the loan.
The 3 protection options that are available for vehicle loans?
GAP, Mechanical, Payment Protection.
How can we personally engage with a member?
Answers vary
Example:
Asking open ended questions to personally get to know your member.
Mr. Jones comes in regularly and likes to transfer money from his account to his moms account at OCCU. He loves using our online/mobile banking as well. What is a convenient way he can still make the transfer?
What is utilizing "Transfer > Send to another OCCU member> First and Last Name> Acct Number.
What are 4 Key details when talking to a member about the Ignite Savings account?
No minimum balance or deposit necessary.
Earn 5.25% annual percentage yield (APY)1 on the first $500 in the account.
Continue to earn competitive rates as your balance grows.
Only one account per primary membership.
Name 3 different revolving loans that we offer.
Line of credit, Credit card, Home Equity line of credit
A way to know if my account balance has fallen below a certain $ amount without having to call and check every month?
What is an alert.
This account currently earns an APY of 1.00%, interest is credited quarterly with the interest compounding daily, needs a minimum of $500.00 to open.
What is the 13 Month Pick your Term Certificate Special
What is the LTV % that GAP Covers?
130%
What are these?
- We guide our members.
- We provide a personalized experience.
- We protect our members.
-We put our members at the forefront of every decision.
-We serve our members swiftly, thoroughly and with accuracy.
The 5 Tenets of OCCUs member experience philosophy.
Member asks " Do I have to come in every month to make my loan payment?" Other than setting up Automatic payments or calling in to the Contact center what other options are available?
What is an External ACH transfer through mobile banking.