Basics
Where we perform transactions an a member's account.
What is Phoenix (Teller)?
Three ways we can identify members in the branch.
What are looking at the ID in Onbase, asking for physical ID, and asking three verifying questions?
To be the most loved and valued financial relationship on earth.
What is our vision statement?
This allows a member to overdraw their account by up to $1000 (including the $29 fee per transaction).
What is ODL or Privilege pay?
This started in 1934 by Ernie McElvain in Lewis & Clark High School.
What is STCU?
Where we open new memberships.
What is Deposit Accounts (DA)?
The two screens where we view and satisfy Red Flags.
What is a Underwriting and Qualifications/Comments.
Creating the best possible experience for our members by our Promise to Connect, to Serve, to Thank is referred to as this.
What is the Member Promise?
This allows a member to overdraw their account using their own funds.
What is ODP overdraft sequence protection.
STCU accounts are backed by the full faith and credit of the U.S. Treasury. Deposits up to $250,000 are insured by this independent federal agency that charters and supervises credit unions.
What is NCUA?
Go here to find talking points and current promotions.
What is Happening Now in Marketing.
To verify identity and identify any cross selling opportunities we pull this.
What is a credit report?
This helps to define exactly what kind of membership was opened.
What is Member Class?
One of the perks of being this will be on-site benefit fairs and education workshops.
What is Community Business Partner?
These must be provided to the member before the account card is signed.
What are disclosures?
This is the resource we have available to satisfy Red flags at account opening.
What is the Red Flag response table/ Job aid.
This allows us to check on previous account management and other warning signs that might indicate a problem on a potential member before we open a membership for them.
What is ChexSystems?
Name 3 ways you can qualify for membership at STCU.
What is live, work, worship, or go to school in the state of Washington or North Idaho, CBP, qualified family member, etc.
Members can pay their bills online through this service.
What is Billpay in STCU Online Banking.
What is Military.
3 Questions we can ask to identify a member
Member number, codeword, date/amount of last deposit/withdrawl, names of joint owners, DD, auto transfers, etc.
In order to comply with BSA requirements we must document these 4 things.
What is opening method, source of funds, risk code, and occupation?
Various ways to look up a member in PHX?
Member number, name, account number etc.
The following are examples of this: Checking, Savings, Money Market, Certificates, IRAs, Monetary Instruments, & Savings Bonds.
What are the basic products STCU offers to members.
Four steps of the Red Flag Process
What is 1. Is there a red flag? 2. Identify 3. Action 4 Satisfy