New Customer?
New customers can bring in these docs to meet our CIP requirements.
What are a Driver’s License, State ID, Passport, Birth Certificate, SS Card, and 1040?
These cards are only usable for withdraws and transfers, not purchases.
What are ATM cards?
This low minimum balance DDA is free for Non-Profits.
What is the Regular Checking?
This ACH often comes from a customer’s employer, retirement, or Social Security.
What is Direct Deposit?
This service allows customers to snap a picture of their check to deposit it.
What is Remote/Mobile Deposit?
This website verifies a potential customer’s DOB, SSN, Address, and Name.
What is E-Funds/Check Systems/FIS?
$1,000/$400
What is the default POS and ATM limits on debit cards?
$25,000 *New Money (*New Money waived if $50,000 on deposit with THB).
What is the opening deposit for the Hometown Savings?
Referring customers to these internal departments creates a deeper relationship.
Who are the Mortgage, Commercial, & Personal Loan Officers?
1-800-241-1424
What is the 24/7 banking “Advantage Line”?
These negative results often result in a “Decline” action on E-Funds/Check Systems.
What are Charge-offs, NSF Abuse, Collections, or Lack of account history?
This online banking service allows customer to send checks and ACH payments to others.
What is Bill Pay?
This government organization authorizes and certifies companies in their state.
What is the Secretary of State (SOS)?
Loan officers often recommend setting this up on customers’ loans to prevent late pays.
What are automatic payments?
To save $3/month and have earlier access, customers can enroll in this online product.
What is E-Statements?
Triggered by exception, these documents are needed to prove address and/or name.
What is an Official Bill, Bank Statement, Marriage License?
This online banking service allows customers to link their other FI’s for ACH transfers.
What is a Bank-to-Bank transfer? Bonus Point-What are the fees?
This company can provide our business customers customizable payment solutions.
Who is FiNet?
This savings offers minors and students no fees, encouraging parents to add one.
What is the Regular Savings?
$5,000
What is the daily limit customers can increase their debit card POS limit to?
Account reps check names against this government office’s list of possible terrorists, etc.
What is the Office of Foreign Assets Control (OFAC)?
Companies like Venmo, PayPal, Cash App, and Zelle allow customers to do this.
This form can be used to prove an EIN in lieu of the original IRS SS-4 Letter.
What is a filed tax document? (First page of business return, K-1, Schedule C)
This plastic card, tied to your DDA, allows 24/7 access to your funds via POS’s & ATM’s.
What is a Debit Card?
This network provides Debit Card customers fee-free access to 40,000 ATMs nationwide.
What is the Moneypass Network?