Credit Card
What are the 3 types of credit cards?
Smart Rate, Smart Cash, Smart Rewards
What is the paper statement fee?
$3.95
What's the annual fee for a HELOC?
$50
What's the monthly fee for a FirstRate Savings?
$5
Which two accounts have $1000 minimum average daily balance?
Lifestyle & Estyle Plus
Which card is best for client who carry balances?
What accounts get free checks? (First Order Vs Every Order)
First Order-lifestyle, student
Every Order-Premierstyle, workplace
What's the lock option fee?
$75
money market
Which account is best for the customer?
Whichever fits their needs the best.
What is the cash back % on the smart cash card?
1%
What accounts can you not write checks off of?
Estyle and Estyle Plus
What would be a reason a client should apply for a HEIL?
Refinance, debt consolidation, large purchase.
What's the minimum balance for a FirstRate Savings?
$500
Which account do you have to make at least one deposit or 5 customer initiated transactions to avoid the monthly service charge?
estyle
What is one benefit of having an FNB credit card?
Overdraft protection, rewards for everyday purchases, fraud protection, higher daily spending limits.
What accounts get the annual LOC fee waived?
Premierstyle, workplace
What would be a reason a client should apply for a HELOC?
Future purchases, needing to borrow and repay several times over the next few years, emergency, college tuition that is reoccurring every semester, home remodel is several stages (kitchen one year, roof next year, floors, etc)
What's the minimum balance for a Money Market?
$5000
Which account gets 2 incoming wire transfer fees waived/statement cycle?
Premierstyle
What is what benefit of each type of card?
Rate- lower rate
Cash-flexibility to get what you want
Reward-clients who travel, want gift cards
What account gets a discount on loan rates?
Workplace
What is the dollar amount in new money/line increase to qualify for the promo rate?
$25,000
What savings account can you pay medical expenses from?
HSA
Which accounts get discounted SDB?
Lifesytle, premier style and workplace