| Know Your ABCs | All Things Lending | Super Sonic Savings | Healthy Habits | The More the Better |
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Sign up for e-statements; $4.00
How can a customer avoid any monthly fees on their Access checking account? If they don't do this, what is the fee?
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Moveable property
Define chattel.
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None
What savings account has a $25.00 monthly fee?
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They must be part of a HDHP.
How does a person qualify for an HSA?
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Visa Platinum
Visa Everyday Rewards+ Visa Cash Max Preferred
Name the three standard credit cards we offer.
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$10,000 in combined balances; presence of HSA or investment account
What are the two ways to avoid a fee on Choice checking?
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A rate that is determined by the individual's risk factors such is credit score and LTV.
What is risk-based pricing?
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On any customer-initiated withdrawals from a savings account, there is a $6.00 per transaction fee when you exceed 6 in a statement cycle.
Explain our excessive withdrawal policy.
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$0
Through a web portal (link is found in your material).
What is the minimum balance to open an HSA?
How does a customer open one at AB? |
Platinum-Normally, 0% for 15 months
Visa Everyday Rewards+-0% for 6 months Cash Max Preferred-0% for 12 months on balance transfers
Give the promotional interest rate periods on our credit cards.
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$1,000 daily balance; $2,500 in combined balances; presence of HSA or investment account; $500 in DD or MD
What are the four ways to avoid the fee on a Balanced account?
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Character, Collateral, Credit, Capacity, Capital
What are the 5 Cs of credit?
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$5,00, $16.00, $20.00
What is the monthly fee for Associated Savings, MM, and Relationship Savings?
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Flexible Savings Account
FSA doesn't rollover.
What does FSA stand for and how does that differ from an HSA?
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$150.00 when you spend $500 in the first 90 days.
What is the bonus on a Cash Max Preferred credit card and how is it earned?
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NEW-$100.00 immediately available, remainder after 5 business days;
ACCESS and BALANCED-After 30 days, $300.00 immediately, up to $5,325.00 next business day, remainder after 5 business days. CHOICE-$5,100.00 immediately, $525.00 available the next day and the remainder after 5 business days.
What is the funds availability policy for Access, Balanced, and Choice checking for new and existing customers?
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Cash secured, HELOC (Equity Express), Premier Line, Unsecured Installment, Vehicle, Checking Reserve Line
Name the 6 lending products (excluding first mortgages).
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EDIE.FDIC.GOV
DAILY DOUBLE-Give me the name or the initials of where you can go to help customers with FDIC coverage.
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$3.00, $2,500 non-sponsored, $1,000 sponsored, or employer-paid
What is the fee on an HSA and what are the three ways it can be avoided?
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Visa Travel Rewards+-$99.00, waived first year
Visa Reserve Rewards+-$390.00 No foreign transaction fees Priority Pass Airport Lounge Membership
DAILY DOUBLE-Name the two travel cards.
What are the annual fees for each? Name two additional features of these cards, excluding the reward structure. |
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Deposits, POS/ATM, in-branch transactions, reoccurring transfers, checks
Place these in their posting order.
deposits, reoccurring transfers, POS/ATM, in-branch transactions, checks |
Accrued interest or $50.00 whichever is less PLUS the fixed payment amount due.
Describe how a payment is calculated on a HELOC with a lock and money owed on the variable portion of the line.
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Add-on-$100.00 Special-$5,000.00
Traditional CDs-$1,000 Mini-Jumbo-$40,000 CD Specials-Renews for the closest, lowest term and at the current market rate
CDS-There are four different opening balances for our CD products. Name them and the products.
At times, we have CD specials. What two things happen upon the renewal of a CD special? |
3850.00; 7750.00
What are the contribution maximums for an HSA?
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No annual fee
5% in two categories on the first $2,000.00 per quarter Unlimited 2% in one category Unlimited 1% in all other categories
What is the annual fee on our best, non-travel credit card?
What is the rewards structure? |
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