NATIONAL CHECK PAYMENTS CERTIFICATION
COMPREHENSIVE EXAM 2026
◉ Which transactions would require a member to see a financial
consultant Answer: New card, add sub accounts, loans, refinancing,
depositing/withdrawing from IRA/CD
◉ How do you sign in a member to see a financial consultant?
Answer: On XP2 go to lobby tracker at the top of the screen, enter in
reason
◉ Which codes are used for a 2 day check hold? Answer: I, O
◉ How do you determine to place a check on hold? Answer: Check
status of account, funds availability, if there are similar checks, true
checks, if any negative information appears it may be best to place a
hold.
◉ How should you handle a check discrepancies on the amount of
the check? Answer: If the difference between written/numerical is
less than $5 proceed, dates/missing signatures require you to refer
back to maker
, ◉ What should you do in the event of a robbery? Answer: Don't try
to be the hero, hand everything over, remember as many details as
you can, alert everyone after the member has left.
◉ What do you do when you see a bad address stop? Answer: Verify
if the address on file is correct and add an alert stating you verified
address w member.
◉ What is considered to be a fraud dispute? Answer: A transaction
that the member didn't authorize
◉ What is kiting and how can you detect it? Answer: Kiting is when
people will deposit/cash checks when the funds aren't available and
it eventually makes the account negative
◉ When should you use true checks? Answer: When checks are over
1500 or if something seems suspicious
◉ What is the limit of cash out when our systems are down?
Answer: 200 anything more requires approval from supervisor.
◉ What transactions are non members allowed to do in drive up?
Answer: Cash checks
COMPREHENSIVE EXAM 2026
◉ Which transactions would require a member to see a financial
consultant Answer: New card, add sub accounts, loans, refinancing,
depositing/withdrawing from IRA/CD
◉ How do you sign in a member to see a financial consultant?
Answer: On XP2 go to lobby tracker at the top of the screen, enter in
reason
◉ Which codes are used for a 2 day check hold? Answer: I, O
◉ How do you determine to place a check on hold? Answer: Check
status of account, funds availability, if there are similar checks, true
checks, if any negative information appears it may be best to place a
hold.
◉ How should you handle a check discrepancies on the amount of
the check? Answer: If the difference between written/numerical is
less than $5 proceed, dates/missing signatures require you to refer
back to maker
, ◉ What should you do in the event of a robbery? Answer: Don't try
to be the hero, hand everything over, remember as many details as
you can, alert everyone after the member has left.
◉ What do you do when you see a bad address stop? Answer: Verify
if the address on file is correct and add an alert stating you verified
address w member.
◉ What is considered to be a fraud dispute? Answer: A transaction
that the member didn't authorize
◉ What is kiting and how can you detect it? Answer: Kiting is when
people will deposit/cash checks when the funds aren't available and
it eventually makes the account negative
◉ When should you use true checks? Answer: When checks are over
1500 or if something seems suspicious
◉ What is the limit of cash out when our systems are down?
Answer: 200 anything more requires approval from supervisor.
◉ What transactions are non members allowed to do in drive up?
Answer: Cash checks
