Checking Accounts
Which checking accounts can earn interest?
NOW and Gold
What is the ATM daily limit on a passbook savings?
ATM cards are not allowed on a passbook savings
I have a 12-month CD & need to withdraw funds early. What will my penalty be?
Loss of 3 months interest on CD's less than 18 months.
How can a customer inform the bank that they are travelling?
Through online banking or calling Customer Service
Who can perform a Medallion Stamp service & is there a fee?
Amy, Ali or Tara
$10
Name 3 things you can offer me with a checking account to help me spend my money.
Debit Card, Check Order, Online Banking with Bill Pay
What is the ATM daily limit for a Statement Savings or Money Market?
$310
I have a 24-month CD but need to take some money out before maturity. What penalty will I get?
Loss of 6 months interest.
How long does a Stop Payment on a check remain for?
What is the cost?
6 months - After that the check is considered stale dated.
$30
The minimum age requirement for a single ownership checking account with a debit card.
17 y/o with a $300 POS limit/$310 ATM limit
Name 3 things you can offer to help me make deposits & move money around.
Direct Deposit, Mobile Deposit, ATM Deposit, Electronic Transfers
What product should we discuss if someone comes in with over $500,000 and would like to earn decent interest but doesn't want to tie it up?
Premier Money Market should be discussed in this situation if the customer wants to deposit $250,000 or more.
Can I open a 6-month CD online?
No. Only 1 & 2 year CDs may be opened online.
I'm interested in buying a house.
1. Does HB offer mortgages and what information can you ask for?
2. Who do you refer them to?
1. Yes! You can ask if they found a property they're interested in (& the address if known) & confirm with the customer their contact information.
2. Tommy F. or Erin D. in the consumer loan dept
What is the charge for research on a consumer account?
$25 per hour (additional fees may be imposed if they request check copies or more complex research)
Name 2 things can you suggest for customers with large balances.
Opening a Savings/Money Market, opening a CD, contribute to their IRA if still employed
What online transfer limit (in dollars) do I have with a Statement Savings or Money Market account??
$10,000 (restrictions apply)
At the end of each month, can I transfer interest earned from my CD to my checking in online banking?
No, CDs are restricted to view only on online banking.
What is the minimum to open a CD?
What is the minimum to open an IRA?
IRA = $25
NOW = None
Gold = up to $40 per statement cycle
When is interest paid on checking accounts & What is the minimum balance to earn interest?
20th of the month and $10
I saw a $5 Excess Transaction Fee on my statement. Why am I seeing this?
Electronic debits/transfers/payments/withdrawals happened in excess of 6 per statement cycle. (These include preauthorized, overdraft protection, telephone, & online banking transfers, debit card, checks and electronic payments.)
When will I see interest paid into my savings, my money market, my CD, AND my IRA?
Savings & Money Market = 20th of the month
CD & IRA = end of the month
I keep having to ask for temporary card increases. What can you suggest?
Applying for a credit card through our HB website (redirects you to Elan Financial Services) OR paying with another credit card they may already have
What services can our iBanking Call Center help customers with? Give 2 correct answers.
Password unlocks/resets, Security Question unlocks/resets, Bill Pay troubleshooting, User navigation, Quicken/Quickbooks