Basics
Where we perform transactions an a member's account.
What is Phoenix (Teller Tab)?
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?
What does "BSA" stand for?
Bank Secrecy Act
Where we perform maintenance on a member's account.
What is Phoenix/Sidekick?
This is a pattern, practice or specific activity that may indicate the possible risk of identity theft.
What is a Red Flag.
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 use their own funds to cover purchases from a checking account.
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, free membership for employees, and education workshops.
What is Community Business Partner?
These must be provided to the member before the account card is signed. (Printed or electronically provided)
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 and the Redflag tool.
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?
If you live, work, worship, or go to school in the state of Washington or North Idaho you are eligible to do what.
What is become a member of STCU.
Members can pay their bills online through this service.
What is Billpay in STCU Online Banking.
A series of laws established to facilitate the prevention, detection, and prosecution of international money laundering and the financing of terrorism.
What is the USA Patriot Act?
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?
Our members love it when we recognize them.
What is one way we can practice this.
Using their name in conversation
This product has a purpose to save for retirement.
What is an IRA?
This is the screen name in DA where we review Credit and ChexSystems.
What is the underwriting screen?