CARDS
Which carrier do our cards go through? Mastercard, american express, etc
Visa
Name three level 1 verification questions.
DOB, mothers maiden name, Loan balance (within $1000), loan due date, loan payment amount, drivers license #
Can we refinance our own loans?
No, but they can apply for a new loan (new ownership, or 10% value added).
How can members access digital banking?
Our mobile app or our website.
What type of referral do we get paid vs points for?
Loan products that are funded are paid + points, non funded loan products/ non loan products are just points. (except direct deposit right now)
When a card is in an AUTH prohibited status, can it be turned back on?
Yes, if the cards security is not at risk and extra verification has been done.
If someone is listed as a joint owner, can they close the account, or kick the other person off?
They can close the account but cannot kick the other person off.
What loans of ours are revolving loans?
Line of credits and credit cards.
What steps does a member take to sign up for digital banking?
Using their MEMBER ID to ENROLL from the app or adviacu.org.
What is a benefit statement?
A referral conversation stating the product, benefit, and feature of the product to the member.
Can members have multiple debit/credit cards?
Yes! They can have multiple checking's accounts and joint credit cards.
What is Eltropy/2FA, and what does it count as?
A verification code sent to the phone number on file, counts as two level 2 questions.
If a member has an auto loan with us and wants a better rate, what can we do?
OTRA (one time rate adjustment), if they are a higher credit tier than when the loan was funded.
What is a SAC and how can it be sent/when is it sent?
It is a 6 digit verification code sent to the phone number either via text or phone, and is used when signing in from a non registered device.
You have a conversation with a member about both advantage plus and a credit card. Can you put both referrals in, or just one?
When submitting a credit card dispute, how would you do that?
Build it manually in Centrix.
What is a PSWD, and who can set that?
A verbal password that is set by the member IN BRANCH as extra verification, and is required for each call.
Does a person need to be on the title of a vehicle to be on the loan?
NO, a cosigner does not need to be listed on the title to sign for a loan.
If a member gets a push notification when doing something in their app, what/why is that?
It is due to them preforming a high security function (such as P2P or buy now pay later), from their non-primary device, it is a notification to approve on the primary device.
If a member already has a credit card with us, can you refer them another credit card?
Yes if it is a different type of credit card.
What is the difference between an authorized user or a secondary cardholder on a credit card?
Authorized users are not liable for the outstanding balance or any payment that may be due., secondary card holders are completely joint.
Name six level 2 verification questions
Joint or Bene (with name), last 3 debit transactions, last date of DB login, last branch visited, loan type, account password, direct deposit who or amount, amount of last deposit, amount of last withdrawal, account open date, account types(share list)
Explain a HELOC loan in simple terms. (What it is, how it works, how long it is.)
It is a 20 year term Line of credit that is based on the equity of the home, the first 10 years are interest only payments where they can borrow money and the last 10 years is paying it back.
What is protect plus?
Protect plus is our security function in the digital banking that allows members to have trusted devices, and gives them full access to safely do all things in their digital banking.
If a member opens a CD after you refer it, do you get credit?
YES, if it is more than $10,000.00