1.       The Bank and Your Role

A.      What is a Bank?

B.      The History of Banking and Money

C.      Your Role as a Representative of our Institution

D.      Basic Bank Bookkeeping

E.       Respect Your Instincts

2.       Cash

A.      Cash Security

B.      Cash Handling Guidelines

C.      Cash Balancing

D.      Ordering Cash

E.       General Cash Balancing Tips

F.       Counterfeit Currency

G.      Mutilated Currency

3.     Checks

A.      Checks as Negotiable Instruments

B.      Common Types of Checks

C.      Check Processing and Collection

D.      Federal Reserve Bank Regions and MICR Guidelines

E.       Customer Endorsements

F.       Bank Endorsements

G.      Check Cashing Limits and Procedures

H.      Availability of Funds and Check Holds

I.        Postdated and Stale Dated Checks

J.        Death or Incompetence of a Customer

K.      Check Fraud

L.       Check Kiting

 4.       Customer Identification

A.      Identification Procedures Checklist

B.      Examining Identification

C.      Acceptable Identification Documents

 5.     Deposit Account Guidelines

A.    Ownership Categories

B.    Product Categories and Class Codes

C.    Money Market Deposit Account Transaction Guidelines

D.    Statement Cycles

E.    Fees and Service Charges

F.     Customer Information File (CIF) Relationship Codes

 6.     Administrative Functions

A.      Monthly Branch Audit Report

B.      Terminal Sign-On and Sign-Off Procedures

C.      Mail Procedures

D.      ChexSystems

E.       Reg D Suspect Analysis

F.       Account Closing and Chargeoff

G.      Daily Unposted (NSF) Processing

H.      Monthly Security Check Report

 7.       FDIC Insurance

A.      General Guidelines and Basic Concepts

B.      Insurance Account Ownership Categories

8.     ATM and Debit Card Programs

A.    Application and Disclosure

B.      Plastics Inventory

C.      Card Issuance and Replacement Procedures

D.      Maintenance Transactions

E.       Lost or Stolen Cards

F.       Error Resolution

G.      ATM Balancing

H.      ATM Troubleshooting

9.     Miscellaneous Customer Services

A.    Automated Clearing House Originations (ACH)

C.    Credit Card Cash Advances

D.    Customer Research Procedures

E.    Direct Deposit Signup

F.     Foreign Currency Transactions

G.    Loan Payments and Payoffs

H.    Miscellaneous Account Charges

I.     Night Deposit Services

J.     Official Checks

K.    Overdrawn Accounts and Account Charge-Offs

L.    Safe Deposit Box Services

M.   Savings Bonds

N.    Stop Payments on Customer Checks, ACH and Official Checks

O.    Traveler’s Cheques

P.     Treasury Tax and Loan (TTL) Payments

Q.    Wire Transfers

10.  Teller and CSR Transactions

A.    Teller Transactions

B.    Teller Balancing

C.    Teller Machine Miscellaneous Transactions

D.    General Maintenance

11.  Bank Secrecy Act

A.    Regulatory Requirements

B.    Currency Transaction Reports (CTR)

C.    Bank Secrecy Act CTR Review Checklist

D.    Suspicious Activity Reports (SAR)

E.    USA PATRIOT Act

 12.  General Regulatory Compliance

A.      Fair Lending Laws

B.      Truth in Savings Act (TISA)

C.      Americans with Disabilities Act (ADA)

D.      Consumer Financial Privacy

E.       Office of Foreign Assets Control (OFAC)

Appendices

A.    Who to Contact in an Emergency