EVALUATING CUSTOMERS
REG CC
DEBIT OR CREDIT?
OFAC
BALANCING
100

THE ACCOUNT DOES NOT QUALIFY FOR IMMEDIATE CREDIT IF 

WHAT IS "IF THE ACCOUNT HAS NOT BEEN OPENED FOR 1 YEAR"


100

THE PERSON(S) TO GET APPROVAL FROM TO ALLOW IMMEDIATE CREDIT

WHO IS AN OFFICER, A LENDER OR A BRANCH MANAGER 

100

CHECKING/SAVINGS DEPOSIT 

CREDIT 

100

OFAC IS NEEDED BECAUSE

MONEY LAUNDERING, DRUGS, TERRORIST ACTIVITY

100

WE DO THIS AT THE END OF THE DAY 

WHAT IS BALANCE 

200

TYPES OF VALID IDENTIFICATION 

DL, ID, FIREARMS PERMIT, PASSPORT, VISA


200

THIS IS HOW LONG A NEW ACCOUNT HOLD IS PLACED

WHAT IS 11 DAYS 

200

CHECKING OR SAVINGS WITHDRAWAL

DEBIT 

200

WHO DO WE OFAC 

ALL NON CUSTOMERS 

200

__________ IS STRICTLY FORBIDDEN 

WHAT IS FORCE BALANCING 

300

3 RED FLAGS 

NEW ACCOUNT, ACCOUNT NOT HOUSED AT BRANCH WHERE TRANSACTION IS TAKING PLACE, CUSTOMER UNKNOWN 

300

NUMBER OF OVERDRAFTS TO BE CONSIDERED EXCESSIVE 

WHAT IS 6 IN 6 MONTHS 

300

PAYCHECK 

DEBIT 

300

THE INFORMATION REQUIRED TO OFAC IS:

NAME AND DOB 

300

____________MUST BE DONE BEFORE RE-COUNTING THE DRAWER.

WHAT IS CLEAR THE TOTALS 

400

OPTIONS WE HAVE WHEN A CUSTOMER DOES NOT QUALIFY FOR IMMEDIATE CREDIT

Place the funds on hold, Obtain approval to allow immediate credit, Deny Acceptance of the Item 

A supervisor should be consulted before denying any item

400

STEPS TO TAKE AFTER THE HOLD IS PLACED 

WHAT IS: MAKE A COPY OF THE TRANSACTION, PRINT A COPY OF THE HOLD AND THE REG CC CALCULATOR AND GIVE/EMAIL TO REG CC COORDINATOR 

400

LOAN LOSS TICKET WITH A 48 TRANCODE 

CREDIT 

400

WHAT LISTS ARE WE LOOKING FOR ON A FAILED OFAC REPORT 

WHAT IS SDN OR OFAC SANTIONS 

400

THIS IS THE REPORT TO BE FILLED OUT IF THE OUTAGE EXCEEDS $50.00

WHAT IS A SCHEDULE A 

500

THESE ARE THE AREAS TO LOOK AT WHEN EVALUATING A CUSTOMER 

WHAT IS AVERAGE 12 MONTH BALANCE, HOW LONG THE ACCOUNT HAS BEEN OPEN, OD HISTORY 


500

HOLDS ARE PLACED FOR WHAT KIND OF DAYS? 

BUSINESS OR CALENDAR?

WHAT IS BUSINESS? 

500

GREEN COPY OF OFFICIAL CHECK 

DEBIT

500

OFAC STANDS FOR...

OFFICE OF FOREIGN ASSETS CONTROL 

500

THE DEPARTMENT TO SEND A SCHEDULE A BEFORE THE END OF THE DAY

WHAT IS DEPOSIT SERVICES