ASSISTED ACCOUNT OPENING (AAO) EXAM QUESTIONS ANSWERED CORRECTLY LATEST UPDATE
2026
What products can you use AAO for? - Answers CDs, Checking/Savings, Credit card
Can you touch a customers phone? - Answers NO
Is AAO currently available for customer with limited English Proficiency, those who require a
translator, or people without smart phones? - Answers No, account must be opened in CA
Do you need to review Click-to-sign disclosures and agreements with customers for accounts opened
through AAO? - Answers No, the customer will review and accept them on their mobile device
Can Non-US citizens open accounts using AAO? - Answers Yes, depending on documents they have.
What documents do Non-US citizens need to have in order to open an account? - Answers W-9 Non-
US citizens ONLY
-Valid Passport
-U.S. Drivers License
-State Issued ID
-Green Card
-Have a Social Security Number
Can you use AAO for a client with an existing account (e.g credit card only) but no active online
profile? - Answers They must have an active online profile, if they do not, help them create one on CA.
If you are trying to open an account for a client with a profile but no active accounts or just an
authorized user and you keep getting an error message, what should you do? - Answers Go to Client
Central and make a new prospect profile and continue AAO through that profile. AAO flow will
prompt them to create an online username and password. After the account is opened combine the
old profile with the new one on CA, or call to combine them.
If you are trying to open an account for a client but get this message, "We can't safely open an
account for this customer. Please do not attempt to open and account using any other platform..."
What do you do? - Answers Explain to the customer that we are unable to open an account for them.
The decision is final and cannot be overridden.
Can Chase First Banking be opened through AAO? - Answers
Can you open a checking and a savings in the same flow in AAO? - Answers Yes you can!
Can a customer with a charge off open an account using AAO? - Answers Yes, Just call the number
attached to their profile and make sure that they do no owe anything before proceeding.
Do you have to go over overdraft services for a customer opening a Total Checking account through
AAO? - Answers YES, you have to go over Overdraft services before opening the account, either with
the video or reading the overdraft services page on Solutions Explorer.
How do you help the customer enroll in overdraft services after the account is opened in AAO? -
Answers Once the account is opened ask the customer to log into their mobile app and navigate to
the overdraft services option to turn them on.
If a customer wants to apply for a credit card but have a pre-approval, how do you help them apply? -
Answers Go through the Gold Box Flow on CA
Who can apply for a credit card using AAO? - Answers Existing customers with an online profile can
open a credit card with AAO.
Are their any restrictions with funding a CD account through AAO? - Answers Funds MUST be
available in the funding account (available balance, not present balance)
Can you fund a CD with multiple accounts? - Answers no, You can only fund a CD with one singular
account. (transfer funds if needed)
Can you deposit cash into a CD through AAO? - Answers No, you must deposit the cash into an
account before opening the CD.
Can you open a joint account for new customers with AAO? - Answers No, they must be existing
customers in order to use AAO for a joint account.
2026
What products can you use AAO for? - Answers CDs, Checking/Savings, Credit card
Can you touch a customers phone? - Answers NO
Is AAO currently available for customer with limited English Proficiency, those who require a
translator, or people without smart phones? - Answers No, account must be opened in CA
Do you need to review Click-to-sign disclosures and agreements with customers for accounts opened
through AAO? - Answers No, the customer will review and accept them on their mobile device
Can Non-US citizens open accounts using AAO? - Answers Yes, depending on documents they have.
What documents do Non-US citizens need to have in order to open an account? - Answers W-9 Non-
US citizens ONLY
-Valid Passport
-U.S. Drivers License
-State Issued ID
-Green Card
-Have a Social Security Number
Can you use AAO for a client with an existing account (e.g credit card only) but no active online
profile? - Answers They must have an active online profile, if they do not, help them create one on CA.
If you are trying to open an account for a client with a profile but no active accounts or just an
authorized user and you keep getting an error message, what should you do? - Answers Go to Client
Central and make a new prospect profile and continue AAO through that profile. AAO flow will
prompt them to create an online username and password. After the account is opened combine the
old profile with the new one on CA, or call to combine them.
If you are trying to open an account for a client but get this message, "We can't safely open an
account for this customer. Please do not attempt to open and account using any other platform..."
What do you do? - Answers Explain to the customer that we are unable to open an account for them.
The decision is final and cannot be overridden.
Can Chase First Banking be opened through AAO? - Answers
Can you open a checking and a savings in the same flow in AAO? - Answers Yes you can!
Can a customer with a charge off open an account using AAO? - Answers Yes, Just call the number
attached to their profile and make sure that they do no owe anything before proceeding.
Do you have to go over overdraft services for a customer opening a Total Checking account through
AAO? - Answers YES, you have to go over Overdraft services before opening the account, either with
the video or reading the overdraft services page on Solutions Explorer.
How do you help the customer enroll in overdraft services after the account is opened in AAO? -
Answers Once the account is opened ask the customer to log into their mobile app and navigate to
the overdraft services option to turn them on.
If a customer wants to apply for a credit card but have a pre-approval, how do you help them apply? -
Answers Go through the Gold Box Flow on CA
Who can apply for a credit card using AAO? - Answers Existing customers with an online profile can
open a credit card with AAO.
Are their any restrictions with funding a CD account through AAO? - Answers Funds MUST be
available in the funding account (available balance, not present balance)
Can you fund a CD with multiple accounts? - Answers no, You can only fund a CD with one singular
account. (transfer funds if needed)
Can you deposit cash into a CD through AAO? - Answers No, you must deposit the cash into an
account before opening the CD.
Can you open a joint account for new customers with AAO? - Answers No, they must be existing
customers in order to use AAO for a joint account.
