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When a customer is buying a new car, what is the maximum term they can get for an auto loan?
84 Months
True or False: A home equity loan provides customers a lump sum amount of money upfront and is repaid over a defined period of time.
True
A _____ mortgage is a home loan with an interest rate that stays the same throughout the entire term of the loan.
Fixed
True or False: A loan is a specific amount of money a customer borrows that is paid back over time plus interest and applicable fees.
True
True or False: Home Improvement Loans have fixed rates and monthly payments with terms up to 7 years.
True
What is the minimum auto loan amount a customer can apply for?
2500
What type of interest rate does a Home Equity Line of Credit have?
Adjustable Interest Rate
Which government-backed loan helps borrowers purchase a home with a lower down payment or lower credit score than typically required?
FHA Home Loan
If a customer has bad credit, what type of personal loan can they qualify for?
Secured Personal Loan
True or False: Money Saver Mortgages are sold to third-party investors.
False
True or False: If a customer has a Roth IRA their contributions are not tax deductible because they are made with after-tax income.
True
Which type of investment account can a customer be eligible to contribute to with any income level?
Traditional IRA
Which type of savings plan limits a customer’s contribution not to exceed $2000 per child per year until the age of 18?
Coverdell Education Savings Account
What is the minimum deposit for opening a Certificate of Deposit (CD)?
500
True or False: A CD account rate is typically higher than what a customer would earn with a traditional savings account.
True
What type of account helps customers’ money grow over a specific length of time with a guaranteed interest rate?
CD
Which type of investment account requires the customer to take a distribution if they are over the age of 72?
Traditional IRA
True or False: A money market savings account offers a fixed interest rate as a customer’s savings grows.
False
Which type of account can a customer withdraw funds from to purchase a camper without penalty?
Money Market Account
What app in Digital Banking can customers use to send and receive money between friends and family?
Zelle
True or False: Customers can deposit checks using the mobile banking app.
True
True or False: First Citizens will send customer alerts automatically if an email, login ID, or password has changed.
True
True or False: A customer can transfer funds using the Manage My Money tools.
False
True or False: The tools in Manage My Money helps customers calculate their net worth, set budgets, view spending habits and trends and set up a debt repayment plan.
True
Which section would a customer click on in digital banking to pay a bill?
Payment or Transfers
Which credit card would you recommend to a customer who wants to consolidate their other credit cards to get a lower interest rate?
Smart Option
True or False: All of First Citizen’s debit and credit cards work with Apple, Google and Samsung Pay digital wallet apps.
True
True or False: Customers can use their Visa Debit Card to make purchases online or over the phone.
True
True or False: Customers can schedule recurring payments with billers using their FCB debit card and routing & account number.
True
What is the minimum refundable security deposit required for customers to open a Secured Cash Back Rewards Credit Card?
500
True or False: All customers are auto-enrolled in Signature benefits if their Visa credit card has a credit line of $1,000 or more.
False
How many points will a customer earn for every dollar spent on fuel when using a Rewards Credit Card?
3
Which types of checking accounts are interest-bearing accounts? Choose all that apply.
Premier Checking Account / Prestige Checking Account
Which type of checking account is offered when a customer doesn’t qualify for a standard checking account?
Sure Advantage Checking Account
True or False: To keep from being charged a small monthly fee, customers should enroll in paperless statements within the first 60 days of opening a Free Checking account.
True
What is the minimum deposit required to open a Savings Account?
50
What is the ATM withdrawal limit for a Free Checking account?
500
True or False: There is a monthly fee to access Digital Banking through firstcitizens.com or the mobile banking app.
False
True or False: Overdraft protection is an account management tool designed to help cover a transaction when a customer doesn’t have sufficient funds in their checking account
True
T/F: Customers may make balance inquiries and cash withdrawals without a charge at any FCB ATM?
True
The total amount of money that is immediately accessible from an account is called?
Available Balance
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