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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
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