Quiz 5 Goldenwest
Goldenwest Credit Union Quiz
Test your knowledge about the Goldenwest Credit Union's policies and procedures with this comprehensive quiz! Perfect for employees and members alike, this quiz covers a wide range of topics including check processing, fraud detection, and ACH transactions.
Prepare yourself with real-life scenarios and important guidelines:
- Learn about check cashing policies.
- Understand how to handle ACH transactions.
- Recognize signs of fraud and scams.
Images of all checks that have been written off of or deposited into a GWCU account.
Image Research
Image Retrieval
Database that GWCU and other financial institutions use . Report Fraud, counterfeit checks, Scams.
True Checks
Image Research
What does NONOS stand for?
New account, Over $1000, No matching funds, Out of state, Suspicious
New account, Overdraft fees, No matching funds, Out of state ,Suspicious
When denying a check you never speak to check approver or the manager before denying the check.
False
True
A discreet form of communication used to flag a check. Informs other branch employees of any potential issues the check may have. Creates consistency between branches. * Code, Branch #, Teller number. What are they called?
Branch communication codes
Secret Codes
Scams : Mark all that apply
"Calling to verify checks"
Red flags -Request to return funds-Sense of urgency/secrecy/fear-Winnings from something you didn't enter
ID Checking guide: In the Intranet to see what drivers licenses should look like
Mark the steps for On-Us Checks
1)Pull up the account of the member that is present-verify ID, check warnings, and comments
2)Pull up the account the check is drawn on
3)Verify Signature
4)Create Merchant Verification Hold- Main menu>>On us check hold- Enter in check number and check amount-Select checking or loan if necessary
5)If there aren't enough funds for the check to clear look for overdraw records -SW X SD -LA X SD
6)Process the check through the presenters account
Checks can be cashed for Non-members only if the check is a GWCU, USU, HCCU check. _________must be documented on check.
Social security card number. Saliva sample
Valid ID. Fingerprint with Index finger
Valid ID. Fingerprint with thumb
Non-member check cashing policy
ID must be verified through Fraud fighter before cashing the check
Must have service in lobby-Exception lobby is closed (after 5:00)-Lane 1 in drive thru
Follow on us procedures
Fraud fighter is to be used to verify all ID's before cashing on us check
Use 'NON' account
No fee
Check Cashing fees- $4 fee is given ____________
Non-signs over a Non GWCU/USU/HCCU check to member
Cashing a check on an account w/only savings w/ less than $200 and no other services.
Check Cashing fees: $2 fee is given__________
Non-signs over a Non GWCU/USU/HCCU check to member
Cashing a check on an account w/only savings w/ less than $200 and no other services.
VISA Disputes:Member does not agree w/ the transaction and wants a refund. (Mark all that apply)
ATM Withdrawals, POS Withdrawals, Bill Payments, Debit card withdrawals, Credit card authorizations
Cannot be disputed over 30 days in the past
Cannot be disputed over 90 days in the past
Steps:1) Look at the history to see the transaction clearing, determine if the transaction is within the proper time frame
Steps:2)Walk them over to a Desk Representative, the desk representative will contact the Fraud department
None of the above
ACH Unauthorized Dispute (Mark all that apply)
Filled out when merchant was not authorized to withdraw
Never authorized
Merchant withdrew the wrong amount
Merchant withdrew the wrong date
Member wants refund
No time frame to dispute- send member to Desk representative
No time frame to dispute- Tell the member to get lost
ACH stop
Filled out when the member wants to stop an ACH transaction permanently or temporarily
Filled out when merchant was not authorized to withdraw
Form must be signed 3 days prior to the next scheduled payment
$10 fee- waived for Presidents club members
Main menu>> ACH stop Payment- follow the prompts to stop transaction, complete the form, and charge the fee
ACH Stop Verbal is only valid for 14 days
ACH Stop Verbal is only valid for 30 days
ACH Origination: Forms are filled out to __________ an ACH transaction between financial institutions
Create
Destroy
ACH Origination
Debiting =Taking money
Crediting= Giving money
Debiting= Giving money
Crediting-Taking money
ACH Debit Origination- Filled out when we are automatically debiting (taking)money from another financial institution and depositing it into a Goldenwest account.
No fee
No holds
Main Menu>> ACH Debit Origination Form
ACH Credit Origination- Filled out when we are crediting(giving) money automatically to another financial institution from a Goldenwest account.
Main menu>> ACH Credit Origination Form
No hold
No fee
Electronic Funds Transfer is(mark all that apply)
EFT record
If you see an EFT record in the IQ of the members account it means the ACH originated with Goldenwest. Fill out the appropriate form to make any changes.
Shared branching is a _________ with other _______ to allow members to increase access to their accounts.
Partnership. Banks
Partnership. Credit Union's.
Before a Robbery:
Greet every Member!
Make eye contact
Keep w/in cash drawer limits
Practice observing people
Locate Security Packet
Have your gun in arms reach
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