Authentication
These are examples of what part of authentication?
member #, date of birth, phone number, security code, social security number.
What is primary verification?
This is allows you to pull funds directly linked to your checking account.
What is a debit card?
This is how many days the member has to bring the account current.
What is 30 days?
Agents would use this category to file a GAP claim with credit union purchased insurance.
What is loan servicing?
By linking a savings or checking account and paying a fee, you can use this to help prevent NSF fees.
What is Overdraft Protection?
This is item is required to be asked every time it is present on a member's account.
What is a security code?
This is a type of bank account that earns interest and combines features of savings and checking accounts. These usually come with checks and a debit card but may limit the number of times you can withdraw money every month.
What is a money market account?
This covers checks and other transactions made using the member's USF checking account number like automatic bill payments and recurring debit transactions.
What is Convenience Pay Basic?
Which category would you use to process adding on an authorized user to a members credit card?
What is Card Services?
This service allows internal and external transfers, zelle transfers, mobile deposits, bill pay, account notifications, and the ability to manage your cards.
What is online banking?
These are examples of what type of questions?
When did you last use our Bill Pay Service?
What is your safe deposit box number?
In what year did you join the credit union?
What is the year and make of the vehicle for which you have a loan?
What are Out of Wallet Questions?
This type of mortgage carries a constant interest rate for the entire loan, resulting in a fixed monthly payment as well.
Fixed Rate mortgage
These are some examples warning codes that can do what to convenience pay?
02 Delinquent Loan (45 or more days)
35 Bad Email Address
03 Charged-Off Loans
What is suspend convenience pay?
Choose this main category if you have a member that has unauthorized transactions with their Zelle account.
What is BSA and Fraud (formerly Risk)?
This service is allowed twice per year if the member's account is in good standing, they have made 4 payments, and they are in overall good standing with the credit union.
What is Loan Skip A Pay
If the member did not do this, we must ask the member two out of wallet questions and two primary questions.
What is authenticate(through the phone system)
This is a type of savings account that earns a fixed interest rate for a predetermined period. Unlike regular savings accounts, these require you to leave your money untouched until the term ends — known as the maturity date — in exchange for typically higher, guaranteed returns.
What is a Certificate of Deposit?
Age of account(open date), repayment patterns of negative checking balances, deposits(amount and frequency) can impact what for the member?
What is the Convenience Pay limit?
When a member requests to close their membership, which main category do you choose?
What is Contact Center?
This assists with confidential, no cost financial counseling services to help you develop a sensible budget, manage spending and reduce debt.
What is BALANCE?
This is when
*the apparent gender of the caller does not match their name.
*the caller's voice does not sound like the member(that you have personal knowledge of)
*the callers voice is garbled by noise or static.
What is a voice mismatch?
This requires a loan officer to review for each disbursement and proof of cost from the university.
Student Line of Credit
This is the form that needs to be filled out when opting in or out of Convenience Pay
Dual Branded Regulation E form
When a member requests a mortgage or HELOC payoff, we choose this category to request it.
What is Mortgage Services?
This provides nationwide access to your USF funds. You can utilize this option to do basic things like make a loan payment, deposit funds, withdraw funds, and save money on fees.
What is shared branch banking?