Acceptable Transaction?
A customer presents a check to you (They are NOT the maker of the check). Today's date is 2/25/2026. The check is dated for 2/28/2026. The customer in front of you would like to cash. What is the minimum date this transaction can be accepted?
2/28/2026
When any form of money is leaving the bank (Check cashing, Withdrawal, Bank check, etc.) What is the starting amount that requires initials from a supervisor or manager?
Anything $1,000+
"Intentional use of deception, trickery or dishonest methods to gain an unauthorized benefit." (Impersonation)
Fraud
True or False: The Main Office is the only location with Safe Deposit Boxes.
True. However, SDB payments can be completed at all locations as long as you have the box number it's being applied to.
Name the buttons you need to press to trigger a deposit and withdrawal from Dynacore
Deposit: CTRL + D
Withdrawal: CTRL - A
Someone comes up to your window requesting a withdrawal from an account they are NOT a signer on. No signers are currently present. Can you complete the withdrawal?
NO! A signer needs to be present.
Bank Checks: $5
Money Orders: $3
The act of changing negotiable information on a check to make it acceptable when the person presenting a check isn't a signer.
Check alteration
Name all 3 locations that have the coin machines
Main Office, Merrimac, Salem
You're leaving for the day. But your drawer must be balanced first. You print your Dynacore totals and run it as a Cash Transfer in Insight. What is this an example of?
End of day Balancing/Settlement
Your customer Susan presents a check made payable to her 37 year old son Daniel. She would like to deposit into her account. Susan is the only signer on this account. Is this an acceptable transaction? Why or why not?
No. Daniel would need to be a signer on the account for the check to be accepted.
Name the thresholds and what information is required for bank checks and money orders.
Bank Checks: Any amount. Must know how much the check will be for and who it is being made payable to.
Money Orders: Cannot exceed $1,000. It's not required to know who it's going to. But if the customer wants to you can fill it in.
Anthony presents his own check from a Chase Bank account he would like to cash for $300. Upon scanning the check, a warning pops up. You take the check to your manager. It's discovered you're the 3rd branch Anthony has been to today cashing multiple Chase Bank account checks against the balance in his Haverhill Bank account.
Check Kiting
Main Office, Salem & Rosemont
After a transaction is processed, where can you go to review the transaction again or reprint a receipt?
Teller tab -> Journal
You're working on a Saturday (Monday's business day). A customer presents a check with Monday's date on it and would like to deposit into their account. Can you deposit the check today even though it's not Monday yet?
Yes. Because it's a deposit and you're operating on Monday's business date, this is acceptable.
What does D.A.M.P.E.R stand for?
Date
Amount
Maker
Payee
Endorsement(s)
Routing Number
An elderly customer comes in and states they received a call from Microsoft there was something wrong with their computer. They allowed them access to the computer now there's money missing from their bank accounts.
Account Takeover
How many branches total does Haverhill Bank have? Name all locations.
6 Locations.
Main Office, Bradford, Merrimac, Salem, Rosemont & West Newbury.
A non customer presents an on us check for $120 to cash. They DO NOT have a profile in Insight. You complete WatchDog on the person, then need to apply a transacting "person" to the transaction. What do you type in Quick Search to apply a transacting person?
OTC 500
Patty and Bob are a married couple and have joint accounts together. Bob comes in by himself with a check made payable only to Patty. There are 2 signatures on the back of the check. Bob wants to cash the check. Name the steps that need to take place for this transaction to be acceptable.
Since Patty and Bob have a joint account together, Deposit the check into their joint account. Then immediately withdraw the check to give Bob the cash.
Name the UNACCEPTABLE transactions via a phone call
Any changes to an account or profile (Open/close accounts, change of address/name)
Wire Transfers
Providing full account numbers
Any third party calls (with the exception of Fiserv)
Providing any information without verification or to a non authorized signer
Example: An elderly customer comes in frantically stating she received a call her grandson is in trouble. If she doesn't empty all the funds in her bank account and provide it, he's going to jail. What does it seem like she is the victim of?
A Scam
Name the general hours of operation for all 6 locations
Main Office, Bradford & Rosemont: M-W 8AM-4PM, TH 8AM - 5PM, F 8AM-6PM, SAT 9AM - 12:30PM
Merrimac: M & T 8AM-5PM, W 8AM - 12:30PM, TH & F 8AM - 5PM, SAT 9AM - 12:30PM
Salem & West Newbury: M-W 8AM - 4PM, TH & F 8AM - 5PM, SAT 9AM - 12:30PM
Name the steps to complete a check only regular plus principal mortgage payment.
D.A.M.P.E.R the check(s)
Ensure check(s) are made payable to Haverhill Bank
Scan all items and ensure they were scanned for correct amounts. Change the payment slip transaction type to "Regular Payment". Get out of TMagic.
Put the loan in the account bar. Go to Fund Type and select "Principal Receipt". Plug in remaining amount.
Print blue receipt.