Reg CC Holds

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Short quiz over Reg CC holds

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Reagan

United States

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Reg CC Holds


Reg CC HoldsVersion en ligne Short quiz over Reg CC holds par Reagan 1 Which reasons below would prompt you to place a hold? Choose one or more answers a I don't like the client that is making the deposit b Non-compensating funds in the account c The account is new(opened 30 days or less) d The check is from a different bank e The check is a large amount f The check is abnormal for the client 2 How many types of holds are covered under Reg CC? a 3 b 5 c 7 d 9 3 Which of the following are "Next-day Items"? Choose one or more answers a US Treasury Checks b Cashier's/Official Checks c Foreign personal checks d On-Us Checks 4 Which choice below is correct regarding Non Next-Day Items? a New Account Exception hold: 9 days b Standard Exception hold: 2 days c Exception with Reasonable Cause hold: 7 days d All of these are correct 5 Which hold type would you place on a $10,000 check? a New Account Exception Hold b Large Deposit Exception c Standard Exception d Exception with Reasonable Cause e Case by Case 6 A client has a balance of $300 in their checking account. They want to deposit two checks, one for $50 and one for $1000. How would you proceed with the transaction? a Deposit the checks and place a case by case hold b Refuse the deposit due to non-compensating funds c Deposit the the checks with no hold d Deposit the $50 check separately with no hold and place a case by case hold on the $1000 check 7 A new client is opening an account and funding it with a cashier's check for $8000. How would you proceed with the opening deposit? a Select New Account under "hold type" and have the client sign the hold form b Select New Account under "hold type", then subtract $6725.00 from $8000 to get $1275 and type that number into "hold amount", then change days to 9 days, and have the client sign the hold form c Select Large Deposit Exception under "hold type" and have the client sign the hold form d Select Standard Exception under "hold type" and have the client sign the hold form 8 What do you do with the signed "Bank Copy" of the hold after the client leaves? a Email a copy of the form to Holds b Email a copy of the form to DDA/SAV c Throw it away d Email a copy to your manager 9 What should you do if you are given a check to deposit and it is clearly altered or fraudulent? a Deposit the check no hold b Deposit the check with an Exception with Reasonable Cause hold for 7 days c Refuse the to deposit the check and make the client leave d Ask the client questions about the check and show the check to your manager 10 When a client comes in to deposit a check, what should you look at in NuPoint to help decide if you need to place a hold? Choose one or more answers a If they are a frequent debit card user b If the account has been over drafted for 6+ days over the last 6 months c If the account has compensating funds to cover the check d If the account has been opened in the last 30 days Feedback 1 Other reasons include: Any sign that the check could be fraudulent; different fonts, legal amount does not match numerical amount, out of state check, no signature on front of check, any signs of alteration, client is acting suspicious. 2 There are 5 types of holds covered under Reg CC. 3 Note: Cashier's checks can be an exception if they are believed to be fraud. 4 For Non Next-Day Items, New Account hold: 10 days for the entire amount; Large Deposit hold: $275 available immediately, hold $6,450 for 2 days (Case by Case), hold the remaining amount for 7 days (Large Dollar); Standard Exception hold: hold the entire amount for 7 days; Exception with Reasonable Cause: hold the entire amount for 7 days; Case by Case: $275 available immediately, hold remaining amount for 2 days 5 A Large Deposit Exception hold can be placed on deposits/checks over $6,725. 6 Holds are places per total deposit not per check. If there are checks in a deposit you do not want to place a hold on, you must process it in a separate transaction. 8 It is also helpful to send a copy of the check/checks with the hold form. Hold on to the hold form for at least 30 days then SHRED the document, it has sensitive information on it. 9 If you think a check is fake, altered, or fraudulent, ask the client where they got the check, what is it for and any other information about the check. Then take the check to your manager and discuss with them how to further proceed with the client and deposit. 10 Always look up the client in customer search and look at any interactions and account activity.

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Reg CC Holds

Test

À propos de cette activité

Créé par

Téléchargez la version pour jouer sur papier

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Reg CC HoldsVersion en ligne

par Reagan

Which reasons below would prompt you to place a hold?

Choose one or more answers

How many types of holds are covered under Reg CC?

Which of the following are "Next-day Items"?

Choose one or more answers

Which choice below is correct regarding Non Next-Day Items?

Which hold type would you place on a $10,000 check?

A client has a balance of $300 in their checking account. They want to deposit two checks, one for $50 and one for $1000. How would you proceed with the transaction?

A new client is opening an account and funding it with a cashier's check for $8000. How would you proceed with the opening deposit?

What do you do with the signed "Bank Copy" of the hold after the client leaves?

What should you do if you are given a check to deposit and it is clearly altered or fraudulent?

When a client comes in to deposit a check, what should you look at in NuPoint to help decide if you need to place a hold?

Choose one or more answers

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