Bank on Denver Product Survey
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- Carmella Joseph
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1 1. Institution Information 1. Institution Information Institution Name: Institution Type: Bank, Credit Union, Other (Please Specify) # of Branches in Denver: Contact Name: Contact Phone: Contact Comments: Page 1
2 2. Checking Account Features Use this section to describe your institution s basic accounts available with the lowest opening deposit and minimum balance requirements. 1. Checking Account Features Product Name: Opening Deposit Requirements $ Minimum Balance Required $ 2. Is there a monthly maintenance fee on the account? 3. If there is a monthly maintenance fee, what is the cost? $ 4. Is there overdraft available for the account? 5. If overdraft is available, for what amount? $ 6. Does the account include Free Online Banking? 7. If the account does NOT include free Online Banking, What is the cost for online banking? $ 8. Does the account include Free Checks? 9. If the account does NOT include free checks, What is the cost for checks? $ Page 2
3 10. Does the account include a free debit card? 11. If the account does NOT include a free debit card, What is the cost for a debit card for the account? $ 12. Does the account include free bill pay? 13. If the account does NOT include free bill pay, What is the cost? $ 14. Does the account include Free Direct Deposit? 15. If the account does NOT include free direct deposit, What is the cost? $ 16. Additional Checking Account Features Insufficient Funds Fee (paid check) $ Insuficient Funds Fee (returned check) $ Other: Comments: Page 3
4 3. ATM Account Charges Use the following three sections to describe your institution's basic accounts available with the lowest opening deposit and minumum balance requirements. 1. Account ATM Charges (please specify an amount) Within network $ Out-of-network (charged by this institution)$ Domestic balance inquiry $ Domestic funds transfer or withdrawal $ Any foreign transaction $ 2. Comments about ATM Account Charges: Page 4
5 4. Savings Account Features Use this section to describe your institution's basic accounts available with the lowest opening deposit and minumum balance requirements. 1. Savings Account Features Product Name: 2. Savings Account Features Opening Deposit Requirements (amount) $ Minimum Balance Required (amount)$ 3. Is there a fee if the minimum balance is not maintained? 4. If there is a fee if the Minimum Balance is not maintained, What is the fee amount? $ 5. What is the Minimum Balance to earn interest? (amount)$ 6. Is there a Certificate of Deposit Opening Deposit Required? (amount) $ 7. Does the savings account include Free Online Banking? 8. If the savings account does NOT include Free Online Banking, What is the cost? $ 9. Does the savings account include Free Direct Deposit? 10. If the savings account does NOT include Free Direct Deposit, What is the cost? $ Page 5
6 11. Comments about Savings Account Features: Page 6
7 5. Identification This section asks about your institution s policies regarding identification requirements 1. Identification-Check All Acceptable Primary Identification Sources Check All Acceptable Primary Identification Sources Colorado Driver's License State-Issued Identification Card Out of State Driver's License Military Identification U.S. Passport Foreign Passport Matricula Card Other: 2. Identification- Check All Secondary Identification Accepted Mexican Matricula Consular ID Guatemalan Consular ID Other Alien registration card Social Security Card Certificate of naturalization Recent utility bill Residential lease or rental agreement Major Credit Card Student ID card Union or trade membership card Employee badge Travel visa Other: 3. Identification-Comments: Page 7
8 6. Chexsystems Policy This section asks questions about your institution's policies regarding ChexSystems history. 1. Account is available for persons with NSF/OD history on ChexSystems, not fraud related if it is over 1 year old? 2. Account is available for persons with NSF/OD history on ChexSystems, not fraud related if it is over 1 year old, Is financial education required? 3. Account is available for persons with NSF/OD history on ChexSystems, not fraud related if it is less than 1 year old? 4. Account is available for persons with NSF/OD history on ChexSystems, not fraud related if it is less than 1 year old, Is financial education required? 5. Other: 6. If financial education is required, after it is complete, Will a ChexSystems "pass" be required? 7. If financial education is required, after it is complete, Will a credit check be required? Page 8
9 8. If financial education is required, after it is complete, Will restitution to your institution be required? 9. If financial education is required, after it is complete, Will proof of restitution to other financial institutions be required? 10. Comments on ChexSystems Policy: Page 9
10 7. Additional Products and Services Available The next questions ask about special products, services and programs available through your institution. 1. Do you provide a Check Cashing service? 2. What is the cost for a Check Cashing service? $ 3. Do you provide Remittance products? 4. What is the cost for Remittance products? $ 5. Does your institution have a domestic wire transfer service? 6. What is the cost for a domestic wire transfer service? $ 7. Does your institution have a foreign wire transfer service? 8. What is the cost for the foreign wire transfer service? $ 9. Does your insitution provide a Cashier's Check service? 10. What is the cost to use the your Cashier's Check service? $ Page 10
11 11. Does your institution provide a Savings Club? 12. Does your institution provide Financial Education Training? 13. Other Products and Services Available? Page 11
12 8. Incentive Programs 1. Incentive Programs- Are there any incentives (financial or otherwise) for Opening an account; Incentive: Making deposits in savings account; Incentive: Using online banking; Incentive: Using online bill pay; Incentive: Completing financial education; Incentive: Referrals; Incentive: Other; Incentive: Comments: Page 12
13 9. Financial Education 1. Is financial education offered? 2. At the Finacial Institution? 3. Do you refer to another organization? 4. Referral to: Page 13
14 10. Financial Education-Curriculum/Programs used 1. Does the program use your own curriculum? 2. Does the program use MoneySmart curriculum? 3. Does the program use the JumpStart curriculum? 4. Does the program use the AmericaSaves curriculum? 5. Does the program use the NEFE curriculum? 6. Does the program use the FoolProof curriculum? 7. Does the program use another curriculum? Please describe. 8. Financial Education-Special Curriculum for Youth Page 14
15 9. Financial Education- Business education offered At the financial institution (y/n) Referred to another organization (y/n) Referral to: 10. Financial Education-Other languages classes are taught in (check all that apply) Spanish Russian Vietnamese French Chinese Japanese Other: Comments: Page 15
16 11. Small Business Account Features 1. Product Name: 2. Minimum Balance Required? (amount) $ 3. Is there a Monthly Maintenance Fee for the account? 4. If there is a Monthly Maintenance Fee, What is the cost? $ 5. Is there Overdraft available for the account? 6. If there is Overdraft available, for what amount? $ 7. Does the account include Free Online Banking? 8. If the account does NOT include Free Online Banking, What is the cost for online banking? $ 9. Does the account include a Free Debit Card? 10. If the account does NOT include a Free Debit Card, What is the cost? $ 11. Does the account include Free Bill Pay? Page 16
17 12. If the account does NOT include Free Bill Pay, What is the cost? $ 13. Small Business Account Features Insufficient Funds Fee (paid check) $ Insufficient Funds Fee (returned check) $ 14. What is the number of Free Transactions monthly? 15. Other: 16. Comments on Small Business Account Features: Page 17
18 12. Microlending 1. Minumum Loan Amount $ 2. Is there an application fee? 3. If there is an application fee, What is the fee amount? $ 4. Is a Credit Report required? 5. Is rate based on Credit Score? 6. Is there a Minimum Credit Score to qualify? 7. What are the repayment terms? 8. Is there a repayment penalty? 9. If there is a repayment penalty, What is the penalty amount? $ 10. Is Collateral required? Page 18
19 11. Are there Late fees? 12. If there are Late Fees, What is the fee amount? $ 13. The fee is assessed after how many days? Page 19
20 13. Partnerships This section asks about partnerships that your institution maintains. Does your institution currently have partnerships with any of the following types of entities? If so, please list the entity name and briefly describe the goals of the partnership. 1. Community Based Organizations 2. Public and/or private schools 3. Colleges and Universities 4. Local Government 5. Employers 6. Financial Education Providers Page 20
21 7. Tax Preparation Assistance Programs 8. Other: 9. Comments: Page 21
Alternative IDs Accepted: As primary identification. Secondary identification may be requested.
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Rate and Fee Disclosures
Rate and Fee Disclosures 40 West Century Road Paramus, NJ 07652 PH: 201-599-5500 FX: 201-599-5505 TF: 888-554-2328 www.greateralliance.org This Rate and Fee Disclosure sets forth current conditions, rates,
Minimum Balance to Obtain APY Interest Rate Annual Percentage Yield (APY) Not Applicable Not Applicable Not Applicable. Not Applicable.
It s important that you understand exactly how your Basic Banking checking account works. We ve created this summary to explain the fees and some key terms of your account. ELIGIBILITY The Basic Banking
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Switch Kit. An easy way to switch to a new checking account! Discover what simple, no-hassle checking is all about!
Financially... Right where you belong since 1948 Switch Kit An easy way to switch to a new checking account! Discover what simple, no-hassle checking is all about! Haynes Community FEDERAL CREDIT UNION
Fee Schedule: Personal Products & Services
Fee Schedule: Personal Products & Services California Georgia Tennessee October 1, 2014 For use with Account Agreement and Disclosures An Important Message Effective October 1, 2015, we will make changes
Checking Account. Check writing ability. ATM/Debit Card. Direct Deposit capabilities. Online Banking & Bill Pay
Banking 101 Banking 101 Contents Checking Accounts Savings Accounts Balancing Checkbook Clearing Transactions Overdrawn Accounts ATM/Debit Card Direct Deposit Online Banking 2 Checking Account Check writing
Welcome to SchoolsFirst Federal Credit Union
Welcome to SchoolsFirst Federal Credit Union This guide will help you understand how your All Valley FCU accounts will be transitioning over to SchoolsFirst FCU. In the coming weeks, look for a guide on
1.0 Registration on EBankig 8. 0.0. Registration on EBankig 7
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