DEPOSIT ACCOUNTS
These types of accounts establish you as an 'Allegacy Owner' with only a $5 minimum balance requirement. Whether you choose the basic Daily Access or the YMCA linked AllHealth Wellness, both account types are subject to Reg D.
What are Savings Accounts?
As a new employee, you should not accept and/or scan any check over this amount without first having someone else sign off on it.
What is $500.00
Whether a member is a first time buyer, shopping for the best rate options, or looking to refinance this department can help them with their home loan needs.
What is Mortgage?
This service offered to members includes features such as eStatements, Money Management, Webpay, and Welby.
What is Web Banking?
This phrase is Allegacy's standard greeting for assisting a member.
What is "Thank you for choosing Allegacy"?
Allegacy offers 3 types of these accounts. Digital Best is designed for a paperless and worry-free experience; Preferred offers members free checks; and Smartrate is eligible for premium dividends and ATM fee refunds.
What are Checking Accounts?
Before batching your checks, you must first pull up this screen to ensure your check totals match what was entered in DNA.
What us List Checks?
This department delivers resources, tools, training, and individualized coaching related to budgeting, building credit, and managing debt to help inform and equip members to reach their financial goals.
What is Financial Education?
This service offers banking at your fingertips 24/7 with features such as imaged check deposits, electronic transfers, and Bill Pay.
What is Mobile Banking?
When assisting a member, you should use their name this many times during your interaction.
What is 3 times?
These types of accounts help members save money for holidays or vacations by not allowing withdraws throughout the year until the funds are automatically transferred to their primary savings account on either April 1st or October 1st.
What are Club Accounts?
This screen is used to error correct transactions, reprint receipts, and also view transaction details to assist in finding teller outages.
What is the Journal?
Whether a member is just starting to look ahead, navigating life changes, or trying to stay on track, this department can help them put together a solid plan and follow through with them to a future that lives up to their expectations.
What is the Investment Group?
You will be able to chat with a real person to cash checks, make a deposit, make an Allegacy payment, transfer funds, or withdraw cash all from your car with these easy, quick, and personal machines.
What are Interactive Teller Machines (ITMs)?
This is the ability to understand and share the feelings of another person.
What is Empathy?
This interest earning account can be opened with a minimum amount of $500 and an agreement from the member to leave funds on deposit for a certain period of time.
What is a Certificate of Deposit?
When someone is depositing (or withdrawing) over $10,000.00 you must enter this in DNA for all benefitting account owners for CTR purposes.
What is their Occupation?
This department strives to deepen members' relationships with the credit union by focusing on their retail needs. This concierge level of service is a great option for individuals or business owners with high balances and/or net worth, but not necessarily looking to invest their assets elsewhere.
What is Private Banking?
This biometric account access works by scanning the vein pattern in the palm of your hand, which has actually become an even more accurate identifier than fingerprints, iris patterns or facial features.
What is VeriFast?
Using your member’s name, finding common interests, and creating a sense of trust and understanding through conversations are all ways of building this.
What is Rapport?