Show:
Floats/Holds
ID Requirements
Cash Advances
100

A 30 year member comes in with a personal check for $1000. What kind of check is this? 

Non-Next Day 

100

What kind of ID(s) would be needed for a non navy federal cash advance of $200 ?

One Primary ID + Back Up Id Questions

100

A member comes in and swipes their debit card to get logged into encore. Member requests to make a cash advance on a non NFCU CC. What are your next steps?

Request Valid Photo ID, Use BIN checker on the card, ask at least two back up questions, review mbr accounts/EJ for red flags

200

A member comes in with a $200 NFCU check and a $300 Treasury check. How would these be put on hold? 

$200 NFCU check - no hold

$300 Treasury check - One Day 

200

What kind of ID(s) would be needed for a non navy federal cash advance of $2000 ?

Two Primary ID + Back Up Id Questions

200

What are two back up questions?

What are the last six digits on your debit card? , What accounts are linked to your debit card or CUCARD? , When was your last ATM transaction? , Who is the authorized user on your Navy Federal credit card? , What is your joint owner's name and date of birth (DOB)? , Who sponsored your membership with Navy Federal? , What is the name of the person you sponsored for membership? , What is the make and year of the collateral on your Navy Federal loan? , Who did you last send money to by Western Union or wire transfer? , What account is securing your share secured loan? 

300

A New Member comes into the branch and would like to deposit a navy federal check for $500, a personal check for $3000, and a US Treasury Check for $200. How would these be put on hold?

Navy federal check for $500 - no hold

A personal check for $3000 - 5 day

US Treasury Check for $200 - one day

300

What are 3 Identification Clues/Red Flags?

  • Member is unable to answer basic questions about their relationship with Navy Federal (e.g., number or types of accounts, joint owners, length of membership).
    • Member is able to answer basic questions, but unable to present the debit card on file when requested, stating they do not have it (e.g., forgot it, left it at the hotel).
  • Form of identification appears altered.
    • Use the Fraud Fighter pen to check the form of ID for any signs of alteration, forgery, etc.
  • An out-of-state (i.e., issued in a state outside of current location) photo ID is presented.
    • Use the Fraud Fighter pen to verify the applicable security features in the ID Checking Guide.
  • Physical description on ID does not match photo or physical appearance of person (e.g., ID says height is 5"5', but member is much taller).
  • There is an age mismatch between the individual present and the information presented in UAD (e.g., a 25-year old Admiral, a 65-year old Airman).
  • Recent changes to member's email, phone number, address, or codeword.
300

What is the cash advance limit per transaction of Visa credit cards with a BIN starting with 406095? 

7500

400

A new member comes in with a $500 check from Air Force Aid Society, a $3000 Postal Money Order, & a $400 Personal Check

$500 check from Air Force Aid Society - No Hold

$3000 Postal Money Order - One day

$400 Personal Check - Five Day 

400

What are three types of prohibited IDs?

  • Prohibited ID's include:
    • Photocopies of  any military ID or Common Access Card (CAC).
    • IDs that are expired or appear to be altered
      • Damaged (e.g., cracked, torn) IDs must be approved by team leaders.
    • Temporary IDs with a restriction printed on it
    • Electronic versions (i.e., not a physical card) of driver's licenses
    • Foreign government issued identification in non- English (exception can only be made by a team leader or SMSR)
    • Two unexpired state issued IDs (e.g., driver's license or state ID from different or same state, US or foreign passports).
      • Only one state issued ID can be accepted.
400

For a Navy Federal Credit Card: How much can a member cash advance off of their card?

Maximum of 30% of the credit limit, or $30,000, whichever is less

500

Member of 30 days comes in with a $3000 personal check, $500 Treasury Check

$3000 personal check - 5 day

$500 Treasury Check - one day

500

What are all the primary CIP IDs? 

(Unexpired for all IDs) Drivers License, State ID, Passport, MIL or CAC Card, permeant resident alien card, Native American tribal ID card

500

What ID's are acceptable for a cash advance?

(Unexpired for all IDs) Drivers License, State ID, Passport, MIL or CAC Card, permeant resident alien card, Native American tribal ID card