Consumer Products

Question 1

What consumer credit card has …
-0% APR for first 12 months.
-Unlimited 1.5% Cash back on all purchases.
-$0 Annual fee

Answer 1

Cash Rewards Card

Question 2

What are the 5 types of consumer credit cards?

Answer 2

CASH REWARDS
REWARDS
TRAVEL REWARDS
SMART OPTION
SECURED CASH BACK REWARDS

Question 3

What is ….
-Great for those who are constantly taking flights and vacations.
-3 pts on travel, 2pts on dining, and 1.5 points on all other
-Can be credited to FCB personal loans / mortgage or into checking, savings, and credit card account.
-100 yearly airline credit
- $95 Annual fee (1st year free)
*No cap on point and they never expire!

Answer 3

Travel Rewards Credit Card

Question 4

What has ..
-no annual fee
- low interest rate
-protect you and your purchases

Answer 4

Smart Option

Question 5

What has..
- 1% cash back on every $1 spent
-Use to help build credit and improve score
-$29 Annual Fee

Answer 5

Secured Cash rewards

Question 6

Visa Debit Card

Answer 6

• No fee for card
  -Online banking provided
  -Overdraft protection available

Question 7

Types of overdraft protection?

Answer 7

-Savings overdraft
-Checkline Reserve
-Basic Overdraft Service
-Basic overdraft service with atm / debit card coverage

Question 8

what is spread?

Answer 8

=Non-interest income
-interest earned on loan/ investments

Question 9

Type of non interest income?

Answer 9

credit cards, mortgage, merchant services, treasury , cardholder income

Question 10

What days do we complete leads?

Answer 10

Monday, we email and Tuesday we will call!

Question 11

What is a card..
-available to 13 year olds
-teaches children to manage their finance since accounts cannot be overdrawn
-no overdraft fees

Answer 11

Together card

Question 12

How many types of CDs are there?

Answer 12

6 types
- 7-31 Day cds (2500)
- Basic CD (500)
- Premier/ Prestige / Premier Exec (5000)
- Automatic Saver (500)
-24 Month Step rate (500)
-36 moth callable (5000)

Question 13

what has a …
-50 minimum opening
-fee waived if $2500 is maintained
-NO monthly service charge

Answer 13

Online savings

Question 14

what has..
-$100 min open deposit
-widrawl: 2mnth free, $3 after
-$5 monthly service
-maintain min daily $300 balance to waive fee

Answer 14

Regular Savings

Question 15

what has…
-500 min open deposit
-.30 pin withdrawl
-10 monthly fee
-waived if daily balance is 1000

Answer 15

Money market savings

Question 16

what has..
-3 tiers
-100 open deposit
-5 monthly fee
-Maintain min balance of 300 to waive

Answer 16

Military savings

Question 17

What is our routing number?

Answer 17

053100300