BANK INFO
HOW OLD IS THE BANK?
106
WHAT OCEAN IS OFF THE NORTH CAROLINA COAST?
ATLANTIC
WHAT DOES IRA STAND FOR?
INDIVIDUAL RETIREMENT ACCOUNT
JANE CALLS BECAUSE HER HUSBAND'S DEBIT CARD WILL NOT ACTIVATE. WHAT DO YOU DO?
ASK TO SPEAK TO HER HUSBAND BECAUSE IT IS HIS CARD.
JANE AND HER SON (WHO IS 15) WANT TO OPEN A CHECKING ACCOUNT. CAN THE SON USE HIS STUDENT ID TO OPEN THE ACCOUNT?
YES
WHAT COLOR WERE THE EAGLES FEET AND NOSE ON OUR OLD LOGO?
ORANGE
WHAT WAS ROY RICHARD'S FATHER'S PROFESSION?
DENTIST
WHAT DOES POD STAND FOR?
PAYABLE ON DEATH
CAN A CONVENIENCE SIGNER CHANGE AN ADDRESS ON AN ACCOUNT?
NO
WHAT PERSONAL CHECKING ACCOUNT WILL ALLOW THE MONTHLY SERVICE CHARGE TO BE WAIVED IF THE CUSTOMER HAS ANOTHER DEPOSIT RELATIONSHIP OF $15,000.00 WITH US?
BASIC CHECKING
SCHERTZ BANK & TRUST IS ONE OF THE _____ OLDEST INDEPENDENT BANKS IN THE STATE OF TEXAS.
10
WHAT IS A FEDERAL RESERVE NOTE?
CURRENCY
WHAT DOES FDIC STAND FOR?
FEDERAL DEPOSIT INSURANCE CORPORATION
OUR CUSTOMER PASSED AWAY AND IS THE ONLY OWNER/SIGNER ON A CHECKING ACCOUNT. CAN THE SPOUSE CLOSE THE ACCOUNT BY PRESENTING A DEATH CERTIFICATE?
NO, WE ALSO NEED LETTERS TESTAMENTARY STATING WHO IS THE EXECUTOR OF THEIR ESTATE.
WHAT COMMERCIAL ACCOUNT ALLOWS 400 ITEMS PER MONTH FREE, MONTHLY E-STATEMENTS ONLY, AND A $10.00 MONTHLY FEE THAT CAN BE WAIVED DEPENDING ON THE BALANCE?
REGAL BUSINESS CHECKING
WHAT DOES THE US PATRIOT ACT REQUIRE FINANCIAL INSTITUTIONS TO DO FOR EACH PERSON OPENING AN ACCOUNT?
OBTAIN, VERIFY, AND RECORD INFORMATION THAT IDENTIFIES EACH PERSON.
THE MICR LINE OF A CHECK HAS WHAT INFORMATION?
ROUTING NUMBER (ABA)
CHECK NUMBER
ACCOUNT NUMBER
WHAT DOES CIP STAND FOR?
CUSTOMER IDENTIFICATION PROGRAM
A CUSTOMER CLAIMS THEY DID NOT AUTHORIZE AN ACH ON THEIR PERSONAL ACCOUNT. THE ACH OCCURED 80 DAYS AGO. CAN THE CUSTOMER FILL OUT A CLAIM FORM AND GET THEIR MONEY BACK?
NO. THE CUSTOMER HAS 60 DAYS SINCE THE LAST STATEMENT WAS PRODUCED TO FILE A CLAIM FOR PERSONAL ACCOUNTS.
A CUSTOMER WANTS TO OPEN AN IRA. HE IS 50 YEARS OLD, NOT MARRIED, HAS NOT WORKED IN TWO YEARS, AND WANTS TO DEPOSIT $1,000.00. CAN HE OPEN A FIXED OR VARIABLE IRA CD?
NEITHER, HE MUST HAVE COMPENSATION TO OPEN AN IRA.
WHO IS THE NEWEST BOARD MEMBER?
MARK ROBERTS
IN ORDER FOR A WIRE TRANSFER TO BE SENT OUT SAME DAY, IT MUST BE TURNED IN BY _____?
3:00 PM
WHAT DOES TUTMA STAND FOR?
TEXAS UNIFORM TRANSFER TO MINORS ACCOUNT
A CUSTOMER HAS ALL THE OVERDRAFT SERVICES WE OFFER ON THEIR ACCOUNT. WHEN THEY OVERDRAW THE ACCOUNT, IN WHAT ORDER DOES THE SYSTEM PULL FUNDS?
SWEEPS
DDL
OOPS
OUR BUSINESS CUSTOMER WANTS TO GET A DEBIT CARD FOR HIS EMPLOYEE WHO DOES NOT SIGN ON THE ACCOUNT. IS THIS POSSIBLE? DO WE NEED TO RUN ANYTHING LIKE CHEXSYSTEMS, ONBOARD, OR OFAC?
YES
JUST OFAC