Cards
Card(s) with introductory rate of 0% on BT
What are Cash Rewards, Cash Unlimited, Spend Wise
What kind of loan(s) can use a homestead as a collateral
What are Mortgage, HELOC
What are the checking accounts we offer
What is VW, VW Performance, VW Performance Select, VW Student (Optional-Foundation Checking)
What are the most common business structures we open accounts for (at least 3)
What is LLC, Sole Prop, Corps, Associations, Partnerships
What 3 things do we look at for an FA referral
Time (3-5 years minimum) Interest Money (25k or more)
What are the categories and cash back percent on the Cash Rewards (Bonus 50 - Is there a cap and if so what is the cap)
4% on Gas stations 3% on dining 2% on grocery shopping 1% everywhere else (Bonus 50 - $8,000.00 a year)
What is the max amount on our personal loans (bonus 20 points for max term length)
What is $35,000 (Bonus 20 - 60 months {5 years})
What are the fees on our personal checking accounts and how do you avoid them?
what is vw - 7/month 500 or more avg balance or DD or be 62+ yrs old VW performance - 12/month 2k or more in avg balance or DD or hold 10k or more in overall avg balance VW performance select - 25/month 5k in avg balance or DD or hold 25k or more in total avg balances VW Student - 0$/month (optional Foundation checking - 5/month no way to avoid)
What documentation is needed to open an LLC
What is Articles or Organization, single member LLC can use in Lue agreement, Operating agreement if not single member, EIN, IDS for signers
What investment options do we have for clients who do not meet requirements for FA referral
CD's, IRA MMA, IRA CD, Growth savings
How do you earn rewards for the Cash Unlimited and how can you redeem them?
What is 2% cashback on every purchase no annual cap, every ($0.01 is worth 1 point) that can be used to redeem for gift cards, merchandise, and book travel (flights, hotels, car rentals)
What is the oldest a vehicle can be to qualify for an auto loan?
what is 8 years old
What are the savings products we have available for clients
What is VW-Growth accts, standard savings, s is for savings, premier money market, (Sunset - High Yield Savings)
Name 3 solutions VPA can offer our business clients
Pinnacle (wires and ach), Merchant Services (clover card processing), U-pick account (ghost account), Remote Deposit
What counts as a one eco referral (minimum 3)
Private Banking, Investments, VPA, Business Banker (Israel), Commercial Banking, Health Banking, Mortgage, Student Lending
What is the minimum FICO score for Cash Rewards and Cash Unlimited cards
What is 680 FICO score
What is the max amount on a HELOC loan
What is 80% of available equity
What is the max amount of cash a person can deposit into their accounts
What is no limit but will require CTR if more than 10,001+
What business credit cards do we offer (at least 3)?
what are Points, Travel Rewards, Cash Rewards, PNC Visa Business, Business Options card
What are the names of our Business, Investment, mortgage, and VPA partners?
Who is Israel Valdez, Mirna Salazar, Dale Czarny, Aaron Avantes (Eric from Paychex)
Name 3 or more Visa or Visa signature Benefits (Bonus 10 points for any benefit over 3)
What are Cellular Telephone Protection, Price Protection, Porch Piracy protection, Roadside Dispatch, Visa Signature Concierge, Discounts on travel through visa travel, Travel and Emergency Assistance Services, Discounts on premier retailers, Travel Accident Insurance, Lost Luggage Reimbursement,
What is CRA and what promotion do we have for CRA qualifying loans
CRA (Community Reinvestment Act
Choice Home Equity Line of Credit (CHELOC) Community Reinvestment Act (CRA) 0.25% Introductory Rate Offer + Lowered by 1.50% “Go to Rate” APR + $2,000 Cash Targeted Offer (March 1, 2025 – June 30, 2025)
what is needed for an account to be counted as Primacy
let primacyChecks = [OLB, Funding, Zelle, BillPay, DC Usage]
If Direct deposit = True {
return Primacy;
Else: {
let primacyChecksCount = 0
for (let i = 0 ; i <= primacyChecks.length(); i++) {
if (primacyChecks[0] = true) {
primacyChecksCount++
return primacyChecksCount
}
if (primacyChecksCount >= 3) {
return Primacy
}
}
}
}
What business solutions do we offer in house without VPA engagement needed?
Mobile Accept, Cashflow insights, Checking, Savings, CD's, CC's
When should a One Eco Partner be involved
Any time a referral opportunity is presented