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denotes Guru Question & Answer.

OCC
OCC Handbook - Interpretation of RESPA Exemptions
Equal Housing Lender Logo
Puzzled by the OCC's Handy Chart
OCC Consumer Assistance
OCC Speaks Out on Consumer Complaints
There Must Be a Software Solution
OCC Issues Guidance on Predatory Lending
OCC Required Information, Mortgage Loans
Reg 9 trust account annual review?
Unfair or Deceptive: Avoid Like the Plague
Finding a List of Required Policies
OCC Changes Address?


OFAC
Compliance with the OFAC Program
OFAC Check of Domestic & International Banks?
Checking the OFAC List
OFAC of 401K Participants
OFAC Policy & New International ACH Regs
OFAC – Non-customer Cashing Customer’s Check
OFAC Check - Non-customer Transactions
CIP & OFAC – CD Account Opening
What Does PLC List Stand For?
MSBs and the BSA
OFAC & Purchase of Cashier’s Checks
How to Implement Risk-Based OFAC Monitoring Practices
How Banks Comply with OFAC Sanctions
Can We Combine our BSA, OFAC & CIP Policies?
Run an OFAC on Signers for a Lease Purchase
OFAC Check on Plan Beneficiaries
OFAC Screening & US Goverment Agencies
OFAC & Corporate Signers
Avoiding AML and OFAC Risks
Evolution of OFAC Guidance Since 1996
Updated OFAC Penalties, Fines and BIS Watch List Non-Compliance
Cashier's Checks - Run OFAC on Payee
OFAC - Credit Limit Increase
OFAC on Account Beneficiary
OFAC Sanctions Programs: Self Education Pays Off Big
Voluntary Disclosure of OFAC Compliance Violations
Checking OFAC List When Wiring Funds
Check Verification Service - Customer Disclosure
We Might Have a Kiter - What Do We Do?
OFAC - Mexican Corporate Account Opening
Running OFAC on Loans
Run Prospective Employees Against OFAC List
Advanced Matching Software Can Help Reduce False Positives
OFAC’s Multiple Watch Lists
Credit Card Cash Advances & the OFAC List
Using Risk Analysis for Efficient Compliance Programs
Wire Transfers - OFAC Bank Name Check
Branch Isn't Following OFAC Procedures
OFAC on Payees that Bank is Paying
OFAC Check on Seller of Property
ACH Origination Agreements
OFAC Check on Purchaser & Payee
OFAC Check on Cashier's Check Payee
OFAC Check on the Remitter
CIP & OFAC Record Retention Guidelines
OFAC Check on All Parties in a Wire Transfer?
OFAC - Cashing Non-Customer Payroll Checks
OFAC on Beneficiaries of an Employee Benefit Plan
Cash an On Us Check for Person on the OFAC List?
OFAC on the Beneficiary of a POD Account?
OFAC - Checking Minors Against the SDN List
OFAC - Non-customer Check Cashing
BSA & OFAC - Loans Purchased From Another FI
OFAC Verification on Cashier's Checks?
Record Keeping of OFAC Screen Prints
Checking "PUPID" Wires Against the OFAC List
OFAC Sanctions & US Citizen Traveling in Iran
OFAC on a Third Party Check?
Service v. OFAC?
OFAC SDN List
Checking Insurance Clients Against the OFAC List
OFAC Check on Attorney in Fact
OFAC, IOLTAs & Non-Customer Beneficiary Tax ID#
OFAC - Record Retention
OFAC Checking of Loan Payments
Enhanced Due Diligence on a 34 Act Company MSB?
OFAC List - Scanning ACH Origination Files
OFAC SDN Notification E-Mails
OFAC Referrals?
Action Audit
CIP and Government Request Procedures
Dealing with positive OFAC matches
OFAC Hits
OFAC Lists
Wire Transfer Via On-Line Banking
OFAC Requirements for Lenders
Possible match on OFAC - What to Do?
Retention of OFAC and 314a Records
OFAC Update
Guru Compilation: OFAC (PDF)
Does your bank deserve more recognition?
OFAC SDN List
Check Cashiers CIP Requirements
OFAC & mortgage broker loans
Frequency of Running OFAC List Against Customers
FinCEN Advisories and OFAC Sanctioned Countries
Timing for Checking OFAC on Loans
Checking Check Payees Against OFAC List
Loan Applications & OFAC
CIP and Security Deposit Accounts
OFAC Verification on Cashier's Check Payee
Blocked Parties, ACH, and OFAC
Requirement to Look at FBI List
New Accounts: Handling an OFAC Hit
Safe Deposit Boxes & OFAC
OFAC: The New Compliance Hot Seat
OFAC and Cashing Checks for Non-Customers
Safe Deposit Box Rental & OFAC
Filing SARs for OFAC Hits
Identification of Totten Trust Beneficiaries
OFAC & PATRIOT Act Deadlines: What can wait?
OFAC and the Control List
OFAC & Tax Haven Countries
Discovering past transaction from current OFAC list
Checking Names Against The OFAC List For Each Transaction?
ACH and OFAC
Lessons from the OFAC Civil Penalties
Handling A Hit On The Terrorist Watch List
Differences Between the Control List and the OFAC List
BSA/OFAC Lessons from Enforcement Actions
Posers
OFAC Updates
A SAR For Every OFAC Hit?
Checking The OFAC List, Official Checks, And Payees
Check Fraud Protection and OFAC Compliance With One Solution
Debiting Customer Account For OFAC Penalties
Have the "Control Lists" been merged into the original OFAC lists?
Loans & OFAC Hits
Purchasing An OFAC Solution
OFAC & Check Clearing Requirements
BSA/ OFAC Lessons from Enforcement Actions
Get Email Notification of OFAC Updates
A Risk Management Approach to Certain OFAC Issues
OFAC Civil Penalties -- A New Proposal
BSA/ OFAC Lessons from Enforcement Actions
Checking OFAC For Money Orders
When the Borrower is on the OFAC List
OFAC Exemption?
OFAC Remodels
OFAC: Blocking vs. Rejection of Funds
OFAC & Joint Credit Cardholders
Differences Between the Control List and the OFAC List
Checking OFAC Each Time For Repeat Customers
How can I be informed by email about OFAC List changes?
Selecting the Right OFAC Solution
OFAC Sanctions Matrix
OFAC Software
Question & Answer
Keep OFAC Up To Date
COMPLIANCE NOTES - OFAC's List
OFAC - OFAC and Sudan
Question & Answer
Question & Answer
COMPLIANCE NOTES - OFAC: What Your Examiner Expects
Another OFAC Solution
OFAC Advice
Question & Answer
OFAC Is For Real
Question & Answer
Ties That Bind
Question & Answer
OFAC Strikes Again!
OFAC Changes
EDITORIAL - Don't Be The "Example"
IN THE NEWS - How Do I Check Account NamesAgainst The OFAC List?
OFAC Policy Available
OFAC…The Beginning
Have You Complied with OFAC Lately?
What Price OFAC?
Just Who Is this Customer?


Official Checks
Stop Payment on an Official Check
Stop Payments on Money Orders
SPOTLIGHT ON…Return Items, Part II
Escheat and Third Party Official Check Vendor
What are Some Benefits of Automating Official Check Printing?
Checks Drawn on a Correspondent
Remitter as Purchaser
Noncustomer Purchase of Official Check
Dormant Fees on Official Checks
Are official checks considered "certified"?
Official Checks & Declaration of Loss
Returning Funds For Unused Official Check
Stop payment on official check
Stop payment on bank expense checks?
"Official checks"
Are Official Checks and Cashier's Checks the Same?
Can We Stop Payment On An Official Check?
Cashier's Checks: Not the Same as Cash
Requiring cashier's checks to be cashed within 6 months
More on dead cashier's checks
What is the difference between a cashier's check and an official check?
Lost Cashier's Check: What's the financial institution's responsibility?
Declaration Of Loss For Cashier's Checks
Early Stop Payment On An Official Check
Refunding Money From An OLD Unused Cashier's Check
30-day Records For Official Checks
At what point does an official check become stale?
Stolen Official Checks
Question & Answer
Question & Answer
Question & Answer
Phony Money Orders
Certified Checks Losing Favor
Money Orders Are Not Cashier's Checks
Question & Answer


Online Banking
Website Changes & Website Record Retention
A2A Statement Information
Gift Card and Reporting
Charters/Policies on Bank’s Website
Improving Your T24 Return on Investment
Government Check Payable to Two Persons
Accessing Safe Deposit Box Used for Storage
1042-S Vs W-8BEN
Preventing Whaling
Educating Customers about Facebook Scams
Pop Up Box
Hacked PC – Who Takes the Loss?
Sending Email Marketing
Online Banking Chat
Retention of Website Pages
Savings Account - Quarterly Transactions
Re-credit Phished Customer?
Switching Formats
FFIEC RDC Risk_Management
E-statements & ESIGN Compliance
E-Statements - Customer Notification
Mortgage App and E-SIGN
Bounced E-statements - Rules/Practices
Resetting Password – E-sign Verification Required?
Accessing Credit Card Statements Online
Disclosure Differences Online
Dubious Fraud Claims
Unopened Online Banking Statements
Access to Internet Banking
Bounced E-Statement
Reg E - Wires
Same Online ID for Business & Personal Account?
Using 'Secret Questions' for Identification
Placing Speed Bumps on Our E-newsletter
Implementing the Red Flags Change of Address Verification Requirement
Requirements for Guarding Against Phishing Scams
Braille Statements
History of Overdrafts – Refuse Online Banking?
Retention of Declined Online Credit Applications
Online Banking Deactivation
Advertising Non-FDIC Insured Products on Website
Online Presence for Community Banks
Wireless Wallets
What to do when Your Institution has been "Phished"
Advertising a Car Dealership on Our Website
Internet Banking Password Regulations
Special Information Booklet Via Weblink?
Web Site Compliance & Disclosures
Offering Web Account Opening
E-sign Sign-up Form
Stop Pay on Lost Money Order
Authorized Signer Questions
Posting Change-in-terms Notifications on Website
Are Web-based Products for Everyone?
Web-Based Lending
Web Application
Regulation Covering Internet Banking Bill Pay
Verifying Online Identity
Tailoring Customer Marketing in Real Time
Applications Online
A Decrease in Check Fraud?
E-Statements Not Being Viewed
Is a Downloaded App Electronic
Redelivery Of Returned E-Statements
Define Clear and Conspicuous
E-statement Verification
Website Banner Advertising - One Click Rule
Reg DD - Internet Ad
Vishing and Smishing
Website Speed Bumps
Converting to Self Enrollment Online Banking
Online Banking Password Reset
Internet Accounts - Branchless Bank
Buck Slips
"Click here" link...
Online Accounts & CIP
EBT Card Surcharging
Mitigating Fraud in Online Banking
Internet Banking Guidelines
Linking from a Third Party Site
E-Statements
Rethinking Banking Strategy
Putting a Face with a Name
Pre-funding
Wire Transfers - OFAC Bank Name Check
Website Compliance Issues
Is Online Banking Really Worthwhile?
TIN, Please
U.S .Treasury Checks - Personal Endorsements
ACH Loan Payment Return
Check 21 Disclosures
More than One Executor for an Estate Account?
Assessing the Risk of Electronic Delivery Channels
Inter-Company Transfers Using Web Banking
Retention of Original Online Application
Business Customer & Internet Banking
Online Banking...Still Worthwhile?
State the Rate, Too?
Multi-factor Authentication Notification
Internet Disclosures & Notifications
Making Online Banking More Effective with Web 2.0.
MMA - Transfers Between Accounts
E-Statement Compliance
Opting Out of Multi-factor Authentication
Online Loan Inquiry
Online Stop Pay - Signature Required?
Eliminating Risk From Electronic Banking Channels
Opt-out of Multi-factor Authentication
Is there an Identifiable Geographic Risk Factor in Online Fraud?
Is Online Banking Still Worth the Effort?
Considering your current controls when assessing the risk of your electronic delivery channels
Wire Requests Via E-mail
New Internet Gambling Bill
Opening Online Account with E-signatures
Reg E - Statement Enclosures
Placing Speed Bumps on Our E-newsletter
Online Application Disclosures
Reg E Guidelines & Online Bill Pay
Signed Form for Online Banking Required
E-statement Verification
Transactional Kiosks "Fit the Bill" for Walk-in Customers
Do I have to perform a Risk Assessment on all of my electronic delivery channels?
What is the Difference Between Pharming & Phishing?
Website Account Disclosures
E-statement Disclosures
Leaving Secured Website - Customer Notification
New Customer ID Verification Procedures
PC Banking & Unlimited Permissible Transfers
Required Website Disclosures
Customer Notification for Phone & Online Payments
Common Website Violations
Web Collaboration's Influence on Sales
How to Enchance Business Processes with Web Collaborationx
Aligning Online Training with Business Needs
Know Thy Firewall
Posting Transactions Online in Lieu of Statements?
One-time Use Numbers Protect Against Fraud
Which Rules Govern Returned e-Checks?
Disclosing Deleted Online Credit Card Transaction
Keeping Online Banking Safe: Why Banks Need Geolocation and Other New Techniques Right Now
Online Bill Paying Rises - Good for the Environment
Bill Payment Fee Disclosure
Online Bill Payment At All-Time High
Banks Offer Easier Merchant Payment Method
Signing Online Change of Address Request
Sending eNews Letter to Online Customers
Using SSN for Online Access
Top Trends Impacting Bank Technology for 2005
Controlling ACH
Policies for Online Banking
Wire Transfer Via On-Line Banking
IS eBill Payment by Check Covered by Reg. E?
E-Mail Warning to Customers
Web Site For Student Loans
Online Bill Payment At All-Time High
Advice From FBI: Watch Your Laptop
eBanking Disclosures in hard copy?
Differences Between Bill Pay and Online Checks
Data Needed to Verify New Internet Banking Users
Authorized Signers Using Internet Banking
Security is Top Level Consumer Concern
Seniors Increasingly Using Online Banking
Modernization In A Small Community
Internet Account Compromised, Who Eats the Loss?
E-Sign & Demonstrable Consents
E-Statements to Minors
Information Security: Authentication In An Online Environment
Cost of Paper vs. E-statements
De-activating a Customer's Internet Access
e-Delivery
E-Stop Payment Requests
Reg E Disclosure on Bank's Web Site
Analyzing Effectiveness of e-Banking
Web Site Accessibility and the ADA
Giving Automation to CIB Marine
Maximize Capacity with Internet Banking and Call Center Staff
Online Banking Transfer Limits
Modifying Policies to Fit Online Banking
Online Transfers Under Reg D
"No-Frills" Account
Seniors Increasingly Using Online Banking
Online Loan Applications, Disclosures, and CIP
Online Banking: Is a paper statement required?
Displaying Loan Rates & Web Site Compliance
Contest For Online Customers Only
Online Activities & CIP
Boosting Consumer Adoption of Online Transactions
Are we required to monitor Internet Bill Payment transactions for CTR reporting?
Online Reg E Disclosures
Electronic Savings Account Regulations
ATM Network Logo Posting Requirements
Online Disclosures For Special Rates
Boosting Online Banking
Reg E: Online Bill Payment & Overdraft Responsibility
Online Services Survey Show Mixed Results
Longevity Of Online Statements & Commercial Customers
Minors, Online Account Opening, and COPPA
Internet Banking Controls For IT
Sample Online Banking Policy
Internet Banking, Vendors, and Privacy
Offering A Guarantee For Online Banking Services
Making Customers Comfortable with Online Services
Deploy Training Tips for Online Customers
How Much Competition?
Encouraging Customers
Peer-to-Peer Computing
Internet Banking Protection Package
The Gray Area within Online Financial Services, Part 2
Is web site information subject to subpoena?
Responsibility for Unauthorized Transactions
Web Server Downtime Liability
Online Commercial Access Concerns
"Member FDIC" Posting Requirements on the Web
eBanking education
Stop Payments on Checks Issued by Bill Payment Systems
Marketing Ideas For Online Banking
Core Processing: The Heart of a Bank
The Gray Area within Online Financial Services, Part 1
eBanking Planning & Implementation
Online Banking Demographics
Promoting Online Banking
The Skinny on Small Businesses Banking Online
How Do Customers Use Online Banking?
A Guide to Implementing Internet Banking
Growth in Internet Usage and its Impact on Online Banking
Monitoring an Online Banking Web Site
Choosing an Online Banking Vendor
Log That Email!
Measuring Internet Banking's Impact on the Bottom Line
Photo Security Cards
Carefully Calculated Risk
One System Does All
Targeting the Asian Community
Teaching Financial Smarts
Boosting the Feminine Business Community
Congratulations Twice
Disaster Relief for Tornado Victims
Awards for Web Sites
Up In The Sky! It's A Plane!
WHAT DO OTHER BANKERS DO? - Inner City Banking
WHAT DO OTHER BANKERS DO? - The Gift of Music
WHAT DO OTHER BANKERS DO? Bank Helps Battle Cancer
WHAT DO OTHER BANKERS DO? - More Ways to Use the Web
WHAT DO OTHER BANKERS DO? Encouraging Entrepreneurial Spirit
WHAT DO OTHER BANKERS DO? Faster Approvals
WHAT DO OTHER BANKERS DO?
Mall Replacement
WHAT DO OTHER BANKERS DO? - A New Employee Benefit: Online Bookstore
WHAT DO OTHER BANKERS DO? - An ATM/PC?
WHAT DO OTHER BANKERS DO? - Bankers Help Build a House
WHAT DO OTHER BANKERS DO? - Bulk Order Supplies
WHAT DO OTHER BANKERS DO? - California Girls Get A Better Chance
WHAT DO OTHER BANKERS DO? - CD Rates by Auction
WHAT DO OTHER BANKERS DO? - Donating Employee Hours
WHAT DO OTHER BANKERS DO? - For Women Only
WHAT DO OTHER BANKERS DO? - Hawaii Bank Gives Boost
WHAT DO OTHER BANKERS DO? - Home Banking for the Equipment Deficient
WHAT DO OTHER BANKERS DO? - Innovative Marketing
WHAT DO OTHER BANKERS DO? - Mountain Comes To Muhammad
WHAT DO OTHER BANKERS DO? - New Job, New House, New Town, Old Bank
WHAT DO OTHER BANKERS DO? - Philanthropic Efforts: Helping Out In Disaster
WHAT DO OTHER BANKERS DO? - Positive Pay Stops Fraud
WHAT DO OTHER BANKERS DO? - Rewarding Entrepreneurs
WHAT DO OTHER BANKERS DO? - Seven Days A Week
WHAT DO OTHER BANKERS DO? - Small Bank - Big Results
WHAT DO OTHER BANKERS DO? - Teaming Up with Retirees
WHAT DO OTHER BANKERS DO? - They're Number One
WHAT DO OTHER BANKERS DO? - Toll Booth Efficiency - E-ZPass
WHAT DO OTHER BANKERS DO? - Virtual Offices for Customers
WHAT DO OTHER BANKERS DO? - Bank Starts Memorial Fund
WHAT DO OTHER BANKERS DO? - Buffalo Bank "Adopts" Elementary School & More Than Money
WHAT DO OTHER BANKERS DO? - Car Buying Help
WHAT DO OTHER BANKERS DO? - Doing Good Deeds
WHAT DO OTHER BANKERS DO? - Fighting School Violence
WHAT DO OTHER BANKERS DO? - Making College Banking Convenient
WHAT DO OTHER BANKERS DO? - Money Back Guarantee
WHAT DO OTHER BANKERS DO? - More Than Deposits And Withdrawals
WHAT DO OTHER BANKERS DO? - NationsBank Honored
WHAT DO OTHER BANKERS DO? - Nationsbank On Top With Small Business
WHAT DO OTHER BANKERS DO? - What's In A Name?
WHAT DO OTHER BANKERS DO? - Yea, Team !
WHAT DO OTHER BANKERS DO? - Business/Personal Safety Program For Granbury
What Do Other Bankers Do? - Five Minutes Or Five Dollars
WHAT DO OTHER BANKERS DO? - Bankers Give A Helping Hand
WHAT DO OTHER BANKERS DO? - Small Steps
Branches Tough To Reach
How Big Is Too Big?
WHAT DO OTHER BANKERS DO? - Bargain PC Hookup
WHAT DO OTHER BANKERS DO? - Reading, Writing, and Taking Deposits
WHAT DO OTHER BANKERS DO? - Wherever They Go
WHAT DO OTHER BANKERS DO? Frequent Banker Award System
WHAT DO OTHER BANKERS DO? - Helping Hands
Mutual Funds Growing Play Ball!
Retired Bankers Make A Difference
Small Charge
WHAT DO OTHER BANKERS DO?
WHAT DO OTHER BANKERS DO? - Banker's Choice-Uses Outside Broker/Dealer
WHAT DO OTHER BANKERS DO? - Bankers Cope With Flooding In The Midwest
WHAT DO OTHER BANKERS DO? - CAS Formed Own Broker/Dealer Unit
Full Service Banking On Sunday?
IRS Levy
May I Make A Suggestion?
Rent-A-Room…


Operations
Educating Customers about Annunities
Reg D Change – Effective Date
Corporate Account – Signature Cards
Signer Depositing Checks into Owner’s Account
Backup Withholding – Customer Notification
Cashier’s Check Endorsement
1099-C Filing Q & A Follow Up
OFAC Check of Domestic & International Banks?
Domestic Shell Companies
Defining the customer for non-profit organization accounts
CIP requirements for accounts of service members
Checking the OFAC List
Passbook Savings – Rate Decrease Notification
Reg D Transfer Limitation Query
Treasury Check – Cash or Deposit?
Check Paid on Old Stop Pay
CTR Cap?
Without Recourse Endorsement - Bank's Recourse
Reg D - Do Fees Count Toward the Six Transfers?
POA - Account Owner’s Rights
Accept the Numeric Amount?
Release Funds to Remaining POD?
Checks Payable to Deceased Parent & Customer
CTR – Weekly Cash Shipments
Understanding Guidlines for Retirement Savings
0% Interest?
Third Party Checks
POA & AIF Change
Business Check - Endorsement Verification
PEG Stamp & Forged Endorsements
International Wires - Checking 311 Entities
Get a Job as a Bank Teller - College Degree Not Required
The New Face of Banking: The Well-Trained Teller
ATMs, Online Banking or a Live Teller
Successful Teller Skills
Opportunities for Growth as a Teller
Teller Training
CTR on Currency Exchange
Teller Training
DDA Agent Closing Account
Director Authorized Account Transfers
Surviving Grantor Amending Trust?
Non-interest Business Accounts – No OD Protection
CTR on Cash in Safe Deposit Box?
Travel Rule & Incoming Wires
Written Amount Missing on Check
CIP on Church Signers/Trustees
Account Required to Obtain a Commercial Loan
CIP - Valid ID Number
OFAC of 401K Participants
Sticky Joint Checking Account Situation
Benefits of a Revocable Trust Account?
Fiduciary Accounts & Bank Services - Liability?
Bank Partnering with Realtor - Signage Compliance
Receipt of Check Authorizes Cashing of Check?
POA Adding Himself to a POD Account
Estate Account Styling
Disclosing Garnishment to Signer
Trust Account Styling
CTR on Cashier's Check
Recent Bank Failures
Expiration of Cashier’s Check?
POA Powers & Gifting Assets
Can Conservator Name a Beneficiary?
Newly Acquired FI – Amending Customer Exemptions
SARs and Robbery
Complying with the Reg D Change
Deputy Required on Safe Deposit Box?
Dormant Account – Time Length to Escheat
LLC Checks Deposited into Personal Account
Time Frame to a Recall Wire
Returned Without Entry
Sample Reg E Resolutions Letter
Government Check Payable to Two Persons
Accessing Safe Deposit Box Used for Storage
1042-S Vs W-8BEN
Selling Compliance as a Service to Your Customer
Dollar Amount Tolerance on Interest Payment
Verbal Disclosures on Phone Stop Pays
Joint Owner Death on Account with No Survivorship
Death of CD Owner – Interest Reporting
Identifying information
Valuation of Development Property Assets
CIP – POA & Legal Capacity of Incarcerated Person
Deposit Accounts – Two Signers Required
Right of Offset - Definition/Explanation
New Amendments to Reg D
The FDIC's Capital Assistance Program (CAP)
Choose Extraordinary not Ordinary
Ethics
Are Ties History for Men?
Check Hold on Part of a Deposit of Multiple Checks
What Does PLC List Stand For?
POA as Joint Owner
DBA Account - Assumed Name Certificate
Changing from ATM Cards to Debit Cards
Debt Cancelled - 1099-C Filing
Does this Translate into a BSA/CIP Violation?
Improving Customer Service and Beating the Competition
Charging NSFs on HSAs
Signer’s Responsibility on LLC Account
About the Temporary Liquidity Guarantee Program
Non-deposit Instrument Log
CTRs & Joint Accounts
Guardian & Joint Owner?
Personal Representative - Estate Account Inquiry
Charging a Paper Statement Fee
Reg D - Transfer Violations
CTR - Account Cash Withdrawal
SAR Filing Methods
Advertising Free Checking for Life
FFIEC RDC Risk_Management
One Privacy Notice per Household?
Reg E - Periodic Statements
Bank's Liability to Corporation for Funds Loss
Reg CC – Less Hold Time
Contest Winner Tax Form
Noncustomer Refuses to Provide SSN
OFAC & Purchase of Cashier’s Checks
One Privacy Notice per Household?
Waiver of ATM Fees
Info Needed for a Stop Pay
What does 'et al' Mean?
Suspense Account
POD on a TXUTMA?
Joint Owners as POAs?
Depositing Check Made Payable to FI?
Trust Checking Account – Non-trustee Signer
Protecting Customer from Government Grant Scams
Regs Dictating Account Access
Restyling Revocable Trust After Spouse Dies
A Common Business Practice?
1031 Exchange Escrow Account
CTR on an Attorney Escrow Account
CTR – Cash Back on a CD
CTR exemption – Listed or Non-listed Business?
ACH Sent to Wrong Account
Bank Debiting Account after Loan Charge Off
Merchant Services Application/Agreement
Cashier's Check - Large Deposit Exception Hold
How to Prepare for a Pandemic
Business Impact Analysis - How To Make It Easy
POA Writing Checks After Customer's Death
Grandmother Deposits Money in Grandchild’s Account
Free Checks - IRS Reporting
Keeping Cash in the Safe Deposit Box
Corporate Name Change & Signature Cards
No Monetary Loss – SAR on Check Kiter?
CTR Completion Confusion
Failing Suppliers?
Cost Effective 3rd Party Risk Management
About the Deposit Insurance Fund (DIF)
Failures in Your Supply Chain
Reg O – Senior Management Employee Benefits
Sheriff's Department/Inmate NOW Account
Business Account Designating a Beneficiary
Unreturned W8 BEN Updates
Non-Payee or Drawer Cashing Check Payable to Cash
Depositing Personal Checks Into Estate Account
Stripping Down a Massive BSA Policy/Program
Community College Account – CIP on Signers?
Signing a Stop Pay Made by Phone
$250,000 FDIC Insurance Limit Permanent?
Night Deposit Drop Signage
Check Endorsed "Without Recourse"
Placing a Stop Pay on a Converted Item
About Claims for Recredit
Information security policies are your first line of defense
Third Party Vendor Due Diligence
Pass on Legal Fees to Garnished Customer?
Endorsement of Check Payable to Cash
Reg CC Signage & the Drive-Thru Window
State or Local Government - Collateralize Deposits
Regs Governing IOLTAs, IRETAs & Funeral Trusts?
Dormant Account Signature Card Safekeeping
POA Appointing Another POA?
How Banks Comply with OFAC Sanctions
Safe Deposit Box or Home Safe: Today's Consumer Dilemma
Two DBAs Listed on Same Account?
O/A/O?
Name of Bank Required on Face of Check?
What Can Authorized Signers on an Account Do?
Disclosure Differences Online
Use of Initials on the Signature Card
Deposit Insurance Fund's Effect on Banks
Privacy Act - Check Verification
Account Denied – Turn Down Letter Required?
SSN or ITIN Required for Non-Resident Aliens?
Lowering Savings Rate – 30 Day Notice Required?
Notify Customer if Replaced Debit Card is Used?
URCC Claims
Red Flags Rule Requirements for Small-business Portfolios
CTR Filing – Joint Spousal Account
Reg D - MMAs Vs Savings Accounts
Reg CC Hold Confusion
NSF Fee Change Notice
LLCs & Right of Survivorship
Government Check Signed Over to a Third Party
Converted Item Return
FRB Rule on Inclement Weather Closing
Protect Against Small Business Fraud
CTR Form Filing for Two Transactions
CTR on Non-Resident Alien – TIN Required?
CTR Completion - Dollar Amount Used
Changing Business Hours - Post Advance Notice?
Temporary IRA Distribution Suspension Act of 2008
Scan Machine Stamp
Check Endorsements of Items Over $25,000
Written Amount of Check Left Blank
Remote Check Created From Faxed Copy
Trust Account Convenience Signer
1099 Form to Reimbursed Customer?
Business or Personal Campaign Account?
Charged Off Representative Payee Account
Missing Endorsement – Liability For Loss
Knowledge-based Authentication and Interactive Voice Response Systems
CTR Exemption Review Form
SAR Filing with FBI or Secret Service
CTR – List Each Conductor?
About the Temporary Liquidity Guarantee Program
Financial Privacy & Check Cashing Services
Wire Transfer - Name on CTR
Required to Open Account for Prisoner?
A Gives B a Check...
Biennial Exemption of a Government Agency?
Joint Promo with CPA
Old Customer, New Signature Card. CIP Required?
Accounting for CTR Exemptions
Absence of Endorsement Guarantee Required?
Pay the Estate or Daughter of Deceased Customer?
NOW Account for a Soccer Club
Audit the Process or Just the Outcome?
FDIC Insurance – POD Accounts
Absence of Endorsement Guarantee Required?
Pay the Estate or Daughter of Deceased Customer?
NOW Account for a Soccer Club
Audit the Process or Just the Outcome?
FDIC Insurance – POD Accounts
CTR - Deposit of Check Made to Cash
Marriage, Divorce, Name Changes & Red Flag Rules
FDIC’s Payout Time Frame on Insured Funds
FDIC Insurance Coverage - Commercial Accounts
Use Same BIN for HSA & Debit Card Programs?
CTR Filed on Exempt Customer
Looking for a Financial Disclosure Notice
Obtaining New Account Information
Red Flag Checklist - Maintaining an Account
Styling Accounts to Protect Against Lawsuits
Deposit Insurance -Joint Account Two Beneficiaries
FDIC Insurance – Corporate Custodial Accounts
Right to Refuse Payment on Stale Dated Check?
Night Drop Signage
Guru Followup Question - Is it Service or Savings?
Clarification on Paper & ACH Stop Payments Needed
Opening a Living Trust Account with an SSN
Reinstating a Trustee
BSA Log - Convenience Signer Deposits
Law Enforcement & SAR Disclosures
CIP - IRAs & HSAs
Higher Deposit Rate for Wealthy Neighborhood
Stop Pay on Employee Benefits Cashier’s Check
CD Changes – Notice to Customers
Placing Holds on Accounts Not Subject to Reg CC
UTMA Ownership
Trustee Depositing Check into Personal Account
Reviewing Forged/Fake Check Rules & Procedures
CIP Documentation - Court Ordered Accounts
Snow Blower Raffle
Levy on an Individual and Trust Accounts
Ensuring customer confidence during a time of mergers and acquisitions
PAC Eligible for a NOW Account?
Reissuing Cashier’s Check Before the Ninety Days
Phone Transfers from Corp to Personal Accounts
Interest Bearing Estate Checking Account
Cashing Non-Customer AMEX Traveler's Checks
What is bust out?
How significant of an issue is bust out?
Definition of Child's Trust
Exception Holds on Treasurer or Bank Checks
Estatements and Multiple Accounts
Using Right of Offset to Cover an Overdraft
Business Continuity Planning: Beyond Disaster Recovery to Performance Improvement
POA Depositing Money for Personal Use
Bank Employee Checking Account OD Protection
What if POD Precedes Owner in Death?
IOLTAs & Remote Capture Deposits
Account Closed by Agent/POA
Minimum Vault Classification - Reg Requirements
Vault Operations
Fire Proof File Cabinets
Overdraft Due to Post-Dated Item
Cashing a Check Written in a Foreign Language
Banker Opening Account for Family Member
A Computer Program for Detecting Kiting?
Vault Requirements for Housing Customer Assets
Safe Deposit Boxes in the Lobby
Monitor MMDA Items by Presentment or Date on Check
No Co-Owner or POD on Decedent Account
Deposit Coverage of Insurance Co Escrow Account
Fraudulent Statements
Does Exemption Apply to All Banks Under the BHC?
IRA Transfer - Early Withdrawal Penalty
Using 'Secret Questions' for Identification
IRA Withdrawal Requirements by the Bank
CTR or Bond Redemption - Non-Customer File
File a CTR on Friends/Family or Just Depositor?
Bank Marketing Expenses
Government Agents/Employees Exempt from CIP?
Teller Cross Selling Training
Assuring Your Customers in the Current Economy
Notify Regulator of Cut Off Time Change?
Automatic Transfer Savings Eligibility
Is the Third Party Expense Reimbursable?
The Key to Success: Put a little Basel (not Basil) in your Risk Management Recipe
Risk Assessments: What are Examiners Looking For?
Risk Management: It Starts at the Top
Only Drive-Thru Open Saturday - A Banking Day?
Must CU Comply with Paying Bank’s Refund Demand?
Program Requirements for Red Flag Compliance
Checking Account to Checking Account OD Protection
Reg D – Internal Transfer Loan Payments
Tracking Non-Customer Check Cashing
Reg Governing Debits & Fees for NSF Checks
Reverse a Provisional Credit
SAR Filing – Time Limit
Include the Minor on the CTR?
About ID Theft Provisions
Rollover from a 401k to an HSA
Debit Card Transaction "Round Up" Program
Written Amount Required on Check?
Federal Political Campaign Account
Forged Endorsement – Recovering the Loss
Red Flags - Verifying SSN & Date of Birth
"Hurricane Ike" - Flooded Vault Planning is the Key!
Length of Time Checks Can be Placed in Cash Items
Legality of Memo Notation on Checks
Non-Profit Family Partnership Account
Access to Safe Deposit Box After Bank Failure
Forged Signature Claim Timeframe
Best Job Candidate for BSA Officer
Pre-CIP Accounts
New Corporate Owners Keeping Same Federal Tax ID
ACH Opt-Out Option
Temporarily Restricting Signer's Withdrawal Access
Website Screen Record Retention
Are Notices Required When CDs Compound?
Holiday Closing Sign Rules
CD Renewals & Withdrawals
How Long Does a Bank Have to Send Back Items?
Date of Deposit Causes Reg D Violation
What should be included in address discrepancy procedures?
Refusal to Cash Non-Customer Savings Bond
Personal Rep Endorsing Decedent's Saving Bond
Key Areas to be Addressed for Red Flag Rulings
Right of Setoff on Depost of Stimulus Check
Powers of Newly Appointed POA
Early Cashing of a Post Dated Check
CTR - Separate Deposits in Same Owner LLCs
Stop Pay on a Post Dated Check?
Asking an Applicant Their Country of Birth
CD Customers Negotiating Interest Rates
Safe Deposit Box Agreement - No Valuables Allowed
Debit Cards & Political Campaign Accounts
Reg E - Final Resolution Letter
Reg E POS
Reg D - Funds Transfer Within Accounts at Bank
Run an OFAC on Signers for a Lease Purchase
Spotting Kiting on Wire Transfers
Non-Bank Tenant Security Training
Deposit Bags
Giving Reg J Notification After Late Return
Salaried Employee With Chronic Illness
Minor with a Debit Card on a Joint Account
Both IRA Owner & Beneficiary are Deceased
Garnishment of Authorized Signer
Lobby Rate Board - Interest Bearing Products
Government Issued "Smart Card" as ID
Removing Bankrupt Corp Account Signer
Customer Refuses to Close Account
CIP - Use Print Out In Lieu of Filed Articles
CIP - Bank Director Refinancing Second Home
Resource Needed for Verifying SSNs & ID Checks
Endorsement of Checks Payable to a DBA
What About Reg D and Reserve Requirements?
Transferring HSAs to a Custodian
Recording Customer Calls
Success with Remote Deposit
Return an Incoming Wire
Accepting Check Payable to Corp and Our Customer
Truncating Bank Receipts
Address in the CIP File
Bank Execution Against an Individual
Loans Contingent on Account Ownership
Red Flag Ruling: Two Forms of ID
Cashier's Check Payable to Cash?
Misspelled Name on Cashier's Check
ATM Withdrawal - NSF Fee
Deposit Accounts - Adding Contingent Beneficiaries
OFAC Check on Plan Beneficiaries
Roth IRAs - Withdraws Taxable?
Remote Deposits
An X9.37 Formatted File
Paper Checks from a Remote Deposit
Naming Beneficiary as Attorney-in-Fact
Account Denied - Official Denial Notice Required?
Cash Deposits Made by Bookkeeper
Need Clarification on Endorsement
Surprise Cash Count
Complete a CTR & MIL?
Unauthorized ACH Debits - Separate Affidavits
Credit Report - Written Authorization Required?
Credit Card Convenience Checks & Midnight Deadline
Calculating Operating Cash Flow
Reg CC Hold - Day Funds Become Available
PODs on CDs in a Trust
Change of Address - Every Account?
IRS Requesting a Copy of a CTR
Affiliate Marketing Rules
ATM Presentment & Processing
FDIC signs
In Need of Easy Explanation for Check Kiting
Mandatory Absence/Vacation Policy
Political Account - EIN Required?
Beneficiary on a Demand Deposit Account
Returning an Unauthorized Paper Draft
Night Depository Procedures
Private Christian College -NOW Account Eligibility
Uncooperative Canadian
Passbook Savings Account Withdrawal Limit
University Health Science Center Account
ATM Fraud
Removal of Joint Owner
Advisory Director Liability
Fax from an Internet Law Firm - Must We Comply?
Charged Off Accounts - Annual Privacy Notices
Overseas Cashier's Check - Next Day Availability
Overdraft Losses
CTR on a Non-profit Organization
WSUPP Processing & Provisional Credit
Are Web-based Products for Everyone?
ATM Deposits - Weekly Balancing
Service Charges
Miller Trust Account
Transferring Account Ownership to POD
Stamped and Deposited in Lieu of Endorsement?
Irrevocable Trust - Use TIN or SSN?
Automated Account Opening
Patriot act & Existing Customers
Privately Owned ATM an MSB?
What is Check 21?
Returning a Cleared Stop Pay Item
Number of NSF Presentments Allowed
Deadline for Returning Counterfeit Checks
What is Remote Deposit?
Need CTR Filing Help
Risks Associated with Old Safe Deposit Locks
Donation Accounts & Taxes
Regs Triggered Due to Increased Asset Size
How can we help staff remember significant details?
Teller Cash Drawer Rules & Regulations
Customer Notice Required on Sweeps?
Answering Another Bank's BSA/AML Queries
Is This an IOLTA Account?
Safe Deposit Box Rented to a Business
Exempt Customer Purchased by Non-exempt Company
USA Patriot Act Signage
Rules on Banks Closing Due to Inclement Weather
Market Presence
Stop Pay on Checks Issued from Home Equity Product
Conservatorship Rights
Standard for All Clear
Does this Add Up to a CTR?
OFAC & Corporate Signers
VA Reclamation - Obtaining Funds Paid to Survivor
Signers on Estate Accounts
Facsimile Signatures
Individual HSA Account - Spousal Debit Card
Risk Management with Small and Mid-Size Businesses
Right Answers, Wrong Voice
Issuing CDs - W9 Certification
Community Banks and the Banking Crisis
Purpose of Wire Transfer Required?
IRS Tax Levy - Funds Less than Amount Levied
Replacement of Stale Dated Money Order
Protecting Your Elderly Customers from Financial Abuse
Using Risk Management Practices to Improve Small Business Liquidity
The Great Debate: Credit or Public Records Data
Introducing the New $5 Bill
Inactive & Dormant Accounts - One in the Same?
Reg DD - Internet Ad
EIN & SSN - Same Number?
Please Define "Per Stirpes"
Bank Statement Returned Mail Compliance
Multiple Cards, One PIN?
Avoiding AML and OFAC Risks
Crediting the Aggregate Adjustment
Reg CC Holds & Fraudulent Accounts
POA Check Deposit Procedures
Using CML LOC as Overdraft Protection
Signer Added for Check Writing Purposes Only
SAR Required on One Time Deposit or Withdrawal?
Personal Property of the Tellers
Rule Restricting Debit Card Gambling Transactions
Foreign ATMs - 1099 Reporting
Tiered System Overdraft Fee Disclosures
Is Private Banking Risky?
Texas NSF Fees
Beneficiaries Disclaiming Account Ownership
Change in Environment Changes Security Strategy
IOLTA - Who Handles the Earned Interest?
Shoveling Snow - A Bank Employees Job?
Signature Required on Phone Stop Pays?
Business Endorsement Stamp - Required Verbiage
Levy the CDs?
CD Titled in a Trust - Early Withdrawal Penalty
Eliminating Money Orders
Out of State Branchless Banking
Can an Individual Be Considered an MSB?
When should the Bank file a Currency Transaction Report (CTR)?
Returning Paid Loan Documents to 401(k) Borrower
Safe Deposit Box - Removing One of the Owners
Gifts to Employees
Paying Preferential Interest Rates
Evolution of OFAC Guidance Since 1996
Safe Deposit Boxes & Trust
One Owner Garnished - Garnish Joint Account?
IRS Reporting - Customer Referral Cash Bonuses
Protection from Estate Scams
CTR - 2 $9000 Checks Cashed at Different Branches
Aggregate the Transactions & File a CTR?
Minor Withdrawals
Interest Paid on Insider Deposits
Member Demanding Original Paper Checks
Decedent Funds
Late Return or Not?
Paying Expenses from Decedents Account
Merchant Capture Device - Reg D Transaction Limits
Reg CC - Saturday Deposit of US Treasury Check
Messy Divorces & Business Accounts
Foreign Exchange Student Account - Acceptable ID
Subpoena - Joint Account Holder Notification
Safe Deposit Box Entry Via DPOA
Counterfeit Bill Procedures
Servicing Drive Up ATMs
Is Your Bank EEO Compliant?
IRA Changes
CD Secured Loan - All Owners Sign the Assignment
Inactive Account Fee
A Business Cashing Customer's Checks
LLC Account Opening
Unauthorized ACH - 24 Hour Rule
Security Committee
Reg E - Re-debit the Customer's Account?
Checking Accounts - Businesses as Signers
Custodial Check
POD Designation & Probate
Paying Interest on Business Account
Missing Endorsements
Internal Transfers - Reg D Limitations
Opening New Accounts Via Mail
POA Powers & Safe Deposit Boxes
Money Room Operational Controls
FDIC Insurance on POD Accounts
Check Privacy Issue
Issuing a Custodian a Debit Card
Cashing On-us Checks for Non-customers
Nonresident Account Opening
Discontinuing a Savings Product - Customer Notice
Uncashed Check from a Closed Business
Cashing Deceased Spouse's Checks
Time Frame for Checking Statements
Due Diligence on a Spouse
Durable POA Removing Joint Owner From Account
In Need of Funds Availability Clarification
Who Takes the Loss?
IRS Tax Levy on an IRA?
Minor Check Cashing
Authorized Signer's Rights
About the Bank Secrecy Act Enforcement Policy
Due Diligence on a Spouse
CTR Exemption List - Informing Customers
Check Imaging
Recognizing a "Pour Over" Will
POA Powers
Stop Pay Situation
IOLTA Account Fees
Dormant/Inactive Accounts - Online Transfers
Suspicious Activity Tips
Remote Deposit Capture – System Name or Tag Line
Remote Deposit Capture – Pricing and Sales Strategies
Poor Box Drilling Procedures Create Rich Box Renter
Identity Theft
I'm Alone at my Branch -- Is This Typical?
Deposit Insurance Coverage After Bank Merger
Using Payroll Accounts to Avoid Summons
Non-customer SSNs on Check
Identity Theft Red Flags
CIP - College Student Physical Addresses
Counting Vault Cash
Reg E - Pending Item
POA Documentation
Mistakes in the Conversion Process
Dormant IRA Savings Accounts
Disclosing Same Day Availability
Original Issue Discounts
LLC with a POD?
Missing Indorsement - Check Return
Refusing Checks Due to Restrictive Endorsement
Seven Day Time Limit
Acceptable Endorsement
S Corp Interest Bearing Account
Using Risk Analysis for Efficient Compliance Programs
Setting Scoring Thresholds Based on Risk for Automated Customer Identification Program (CIP) Screening Software Tools
Managing Identity Risk
Third Party Privacy Hold
The Benefits of Health Savings Accounting
Non-client Savings Bond Redemption Fee
Check Payable to Two People with No "And" or "Or"
Return of a Counterfeit Check
CTR - Original Transaction or Combined Transaction
Timeframe for ACH Transaction Dispute
ATMs & New FDIC Signage
Furnishing Security Info Upon Debit Card Issuance
Correcting an Unnecessarily Filed CTR
Corporate Customer/Timeline to Dispute Unauthorized ACH
Foreign Bank with US Branches
In Person Debit Transaction - Transfer Limitations
Endorsement Required on Check Made to Cash?
Logo Size Requirement
Deadline for Returning a School Warrant
Displaying FDIC Signage Before the Compliance Date
What does TOD Mean?
Check Deposited into POAs Account
Two Separate LLCs, Same Owner & Same EIN
UTMA Custodian
Minimizing ATM Settlement Risk
Putting a Face with a Name
Pre-funding
Close the Account or Continue Filing SARs?
Extenuating Circumstances
Account Closing - Compliance Issues
Medallion Stamp Queries
How do I know what systems to focus on after a disaster?
Obligated to Inform Other Bank of Check Kiting?
What is a Conduit IRA?
Business Customer Exemption
Business Customer Exemption
Should I update my Business Continuity Plan?
Marketing to the Unbanked Population
Are Business Continuity Plans the same as Disaster Recovery Plans?
Debit Card Cancellation - Notification Required?
Adult Son on Safe Deposit Box Signature Card
Transfers at Another Bank's ATM
Bar Safe Deposit Box Access?
CIP on Safe Deposit Box Signer
ACH Origination Agreements
W-8 Certificate Filing Frequency
"Reasonable Effort?"
SAR = Something Ain't Right
Transfers Subject to Reg D Transfer Limitation
Returned Statement Record Retention
Partnership Account with a POD
Honoring Checks Written by a Minor
Filling Out a CTR - Customer Query
BSA Exemption List Removal
CTR Filing - Deposit Made After Check Cashing
3 Keys to Building a Solid Team
Charging Back a Returned Item to Another Account
Living Outside of US - Monthly Statements
Bad Behavior Protected Under ADA?
Bank Merger - CD Cashing
Teller Transactions Per Hour
IRA Account Documentation
Now Account Owned by LLC - Options & Penalties
CD Garnishment
Signing Over a Government Check
Counterfeit Cashier's Check Recourse
Handling a Reclamation
POD's SSN Required?
Changing the Game: Transactional kiosks give credit unions greater market presence with full-service remote access points
Deposit Pick Up
FDIC Signage Change
Personal Money Order Procedures
What do the acronyms CAR and LAR mean?
Identifying High-Risk Transactions
Small Banks, Big Business: Cash Management or Currency Management?s How Should the Customer's Agreement Handle ACH/ARC vs. Check 21? Captured Debit Card
"SWAT" Analysis
Small Banks Big Business: Teller Line Inefficiencies Plague Customer Experience, Cost Branches More
Why are so Few Images Exchanged instead of Paper?
Non-customer IRS Summons
Ready Reserve Account - Customer Notice
Bank's Right to Refuse Deposit of Fraudulent Item
Forgery of an Electronically Converted Check
Remote Deposit Capture - Who is Responsible for Images in Service Bureau Environment?
Regular/Youth Savings & Transfer Limitations
Changes for NOW Account Eligibility?
IRA Distribution is Part of a Divorce Settlement
We Are the Business! Now Deposit Our Check!
What are Sweep Accounts and what do I need to consider?
When is it time to implement a capital spend management system?
What is the ROI of implementing a capital spend management system?
Will Direct Transfer of IRA Incur Penalties?
Remote Deposit Capture - Support for Remote Deposit Capture?
How can banks mitigate risk in a disaster?
How can you make smart decisions about capital asset investments?
How can you control ongoing capital spending against your planned budget?
A Tale of Seven Banks
Talking Pad-Don't Leave Home Without It
Nonprofit NOW Accounts
Bank Policies Approved by the Board
How can you minimize the risk of business interruption?
How can branch layout standardization promote operating efficiencies?
Bank Out of Business - Safe Deposit Box Key Found
Transactional Kiosks "Fit the Bill" for Walk-in Customers
Banks Leverage Retail Environment: What is teller-assisted self-service?
Corporate Resolutions
Child Support Enforcement Levy
5 Steps to Succession Planning
What value do capital project planning tools have on the bottom line?
How can facility management impact employee productivity?
Political Campaign Account
LLC Ownership of a Money Market Deposit Account
Is a transaction considered high-risk when…
Interest Bearing Accounts for Non U.S. Citizens
What value do capital project planning tools have on the bottom line?
How can facility management impact employee productivity?
Rule to Combine Business & Personal Accounts?
Broad Reach of a Garnishment
Training All Staff When Acquiring a New Transaction System
Steps to Maximizing your Bank’s Profitability
Intent Behind Reg D
Notification of Excessive Transfers
Member FDIC on Name Badges
Retention of Rate Information or Sheets
POS Transaction Posting Rule
Unbanked Customers Bring Value to Willing Financial Institutions
Difference Between "Special Deposit Tickets" & Deposit Tickets
Unauthorized Computer Generated Check
Cashiers Check Made Payable to Cash

Revocable Trust - Legality of Notarized Changes
Two payees on Postal Money Order
Not all Overdraft Programs are Equal
Add an Overdrawn Account Balance to a Loan?
ID for the Patriot Act
Remote Deposit Capture - System Name or Tag Line
Remote Deposit Capture - ARC vs. Check 21
Renewing Odd-Term CDs into "Conforming" Terms
Outside Vendor Paying for Customer Referrals
Remote Deposit Capture - Pricing and Sales Strategies
Remote Deposit Capture - Funds Availability
Documentation for Opening a Public Fund Account
Sending Checks for Collection
Recording Exception Holds
Garnishment with Different Name but the Same EIN
Unauthorized Draft, What Do We Do?
One Signer Removing Another Signer
Do Not Call Requirements - Dialing from Phone Book
Federal Income Tax Withholding on a CD
Authorized Signer Obtaining Account Information
Customer Entitled to Keep an Erroneous Deposit?
Finance Co. Eligible for CTR Reporting Exemptions?
Converting an Overdraft LOC to a Visa Card
Requirements for Redeeming a CD
Power of Attorney Questions
Reg DD - Garnishment & Levy Fees
Sole Proprietorship Accounts & Reg DD
Overdraft Fees on Savings Accounts?
Excessive Transactions - Charging a Fee
State, County, Municipal Interest-bearing Accounts
Adding Spouse to an Account
Non USA Citizen as a "POD"
Check and Deposit Issues (PDF)
Preventing Bouncing Problems (Best Practices)
Management information system can improve client retention
Insurance certifications for career advancement
Are your Internal Controls like Swiss Cheese? Part 14
Can You Make CHANGE? . . . for a safer box access system.
Check Order Misprint
Adding STP to Your Transaction Processing Engine
It's a Matter of Choice
Deposit Accounts as Collateral
Record Keeping on Paid Loans
Qualified Intermediary Account
Dealing with attorney/client checks
Examiner's Corner: Liquidity and the Winds of Change
Bank Mergers: What The Latest Ones May Mean To You
Procedure for NSF On-Us check
Making a Deposit "Invisible" for Benefits Payments
Don't Waste Money on Compliance
Budget? What Budget?
Banks Shying Away From National Company
Correct Form for Non-Resident Alien with SSN
Not For Sissies
Stopping debit transactions on closed accounts
Deposit ticket requirement?
Overdrafts Moved to Clerical Position
Using a DBA
BOFD, What is this?
Are your Internal Controls like Swiss Cheese? Free Non-Cash Courier for Customers
Converting Safe Deposit Boxes from Free
UCC: Practical Application, Part II
Coming Soon - To Your Bank?
What You Need to Know About Check 21
Using image technology beyond bank-to-bank check image exchange
Deposits Into Attorney Trust Account
Social Security Deposits to Frozen Accounts
Verifying Authority to Transact Business
Deposits Made By Person Not On Account
Completing a CTR on Two Deposits
Using White-out on a Signature Card
Cash Drawer Sharing
Can Only Officers Approve Checks? Reversing Customer Name on Styling
Legal Amount versus Numbers

Using 'POA' as a Restrictive Endorsement
Obtaining Identifying Info for Old/New Customer
Three Strikes Rule for Excessive Transactions
Crooked Bookkeeper Strikes Again
Retention Schedule for Changes of Address
Definition of Third Party Check
Living Trusts & POA
Written Policy: Using Rubber Stamps For Signing Business Checks
Multi-Factor Authentication: The Next Generation Solution
Are your Internal Controls like Swiss Cheese? Part 10
Noncashable Checks
Withdrawals of SS Funds After Owner's Death
Giving a Customer a Copy of a CTR
Photocopying SS Cards
Reg 9 trust account annual review?
Criterion to Evaluate Operations Staff
Deleting a Name on a Checking Account
Customer Mailed Safe Deposit Keys
Drilling a Deceased Customer's Box
Punching the Routing Number
Teaching Employees About Overdraft Protection
Bank Deposit Fraud Growing Rapidly
Are your Internal Controls like Swiss Cheese? Part 9
Stopping Auto Debits For Closed Accounts
Improving Home Equity Loan Processing and Closing
Verification Of Source Documents For Master File Changes
When establishing a compliance department, who should the employees report to?
Your People Don't Understand Our Business!
Average Number Of Teller Transactions Per Hour
CRM: Why Has It Failed? Define Measurable Goals
Let's Get to the Core of Core Banking
Question & Answer
Prudent Precautions
Reject Repair - Quickly!
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Quick-Check For Checks
Proof & Transit Alert!
Question & Answer
Question & Answer
Covered For Vacation?
IRS Hotline
Warning From A Regulator…


Outsourcing
Failing Suppliers?
Red Flags in Your Vendor Population
Outsourcing the Remote Deposit Capture Solution
Outsourcing the Remote Deposit Capture Solution
Guidance on Outsourcing Technology Services
Customer Says "Opt Me Out or Else!"
To Outsource or Not to Outsource, That is ....
Privacy and Outsourcing Loan Reviews
Why Lead Generation Programs Fail
Coming Soon - To Your Bank?
Community Banks Outsource Services
Why should I consider outsourcing?
What should I look for in an outsource vendor?
IT Outsourcing
Navigating the Waters of Outsourcing
Vendors - Technology or Solutions' Providers
Outsourcing Industry Statistics
Safety and Security in an Outsourcing Environment
Managing Technology Risk When You Outsource
Outsourcing Bill Payer Services: Who's Responsible For Errors?
What is ASP?


Overdraft Charges
Reg O – Overdrawn Director's Account
EVP Covers Son's OD - Reg O Violation?
Reg O Q & A Follow Up
Reg DD – 2008 Changes?
Being in Compliance with TISA
Reg O - NSF Fee Refund
New Reg DD Amendment – OD Fee Disclosures
Reg DD Changes?
Overdrafts Covered by HELOC
Overdrawn Account - Right of Offset on SSI Benefit
Using Right of Offset to Cover an Overdraft
Bank Employee Checking Account OD Protection
Business Accounts - Charging Daily Interest
Overdraft Due to Post-Dated Item
History of Overdrafts – Refuse Online Banking?
Reg D - Close Account Due to Excessive OD Activity
Right of Setoff on Depost of Stimulus Check
OD Fee Disclosures - Changing Order of Items Paid
Totally Free Business Checking
Disclosures Required for OD Line of Credit Changes
Returning a Personal Money Order NSF
Reg O - EO Signer on Overdrafted Account
Overdraft Losses
Regulation O - Overdrafts on Insider Accounts
Overdraft Fee Covered Under Reg E?
Adding Daughter to Father & Son Joint Account
Continuous Overdrafts Fee - Notify Customers?
Tiered System Overdraft Fee Disclosures
Overdraft Fee Increase - 30 Days Notice Required?
EO Signer on Various Accounts
Charging a Savings Account Overdraft Fee
HR 946 - Overdraft Fee Bill
Double Charging
Disclosure of OD Charges - Historical Exemption
Reg O Overdraft Provisions
Executive Officer/Director Overdraft Limits
Customer's NSF Sent for Collection 16 Years Later
Is Closing an Account Adverse Action?
Paying Director's Uncollected Funds Check, No Fee
ODP Discussed at New Account Opening
Reg O - Executive Officer's Repeated Overdrafts
Covering Personal Overdrafts from Business Account
Bank Employee Overdraft
Charge an Overdraft Fee & Interest Fee
Reg O Overdraft Limitations
Advertising and Overdrafts
Reg DD Disclosure for "No Bounce Guarantee"
Reg DD - Statement Printed After July 1st Deadline
Notice of Overdraft - Required?
Assessing Fees on "No Fee Checking" Accounts
Regulation DD Changes -- A Sleeper Issue?
Commercial Account Overdraft Fees
Fees for Overdrafts and for Returning Checks
OD Fee on Overdrawn Account Due to Service Charge
Reg DD Overdraft & NSF Fee Disclosures
Regulation DD -- ODP Resource Guide
Do We Disclose Overdraft Fees on Overdraft ?
Not all Overdraft Programs are Equal
Reg DD - We Only Offer ODP for Sweep Accounts
No ODP. Still Disclose the OD & NSF Fees?
Is OD Privilege Signage Required on ATMs?
Ready Reserve Line of Credit
Ready Reserve Line of Credit
Overdraft Payment Programs and Reg DD
Re-evaluating Overdraft Privilege
Mailing Info on Bounce Protection
Waiving the Overdraft Fee - Director is Signer
Disclosures for OD Protection Repayment Plan
ODP - Length of Time for Charge Off Accounts
Variable Rate Violations
Is NSF Fee for Paid Items a Finance Charge?
Overdraft Protection Questions and Concerns
Required to Send Notification of Overdrafts?
Change in Terms Notice for Business Accounts
New ODP Information Requirements Analyzed Final Regulation DD Changes Issued
Overdraft Protection for Commercial Accounts
Age and Product Features for Senior Accounts
A Closer Look at Overdraft Privilege Programs
Disclosing ODP Via E- Bill Pay & POS Transactions
Overdraft Fees On a Savings Account
Overdraft Fee on a Savings Account
Debit Card- Returning Item from Overdraft
Restriction on Overdraft "From" Accounts
ACH Re-Presentments Again and Again
Setoff with a wrinkle
Correct "From" Category for OD Protection
Limited Withdrawal Disclosure
Line of Credit Statement Requirement
Reg O and Overdraft Fees (Not) Charged
Auto Transfer Agreement & Access to a LOC
Paying OD in Anticipation of SSA Deposit
UCC: Practical Application
Success of Overdraft Programs Depend on its Acceptance
Waiving Service Charges for Directors
Overdraft Privilege and "Adverse Action Notices" under ECOA
Authorized Signer Liability
Outsourcing Overdraft Privilege, It can run smoothly
Overdraft Privilege as Customer Service Tool
Finding a Compliant Overdraft Privilege Program
Disclosures Required with ODP Product
Charging a Fee for Returned Loan Payments
Charging a Daily Overdraft Fee
Daily Overdraft Fees depend on the State
UTMA & Offsetting Overdraft Charges From Other Accounts


Overdraft Protection
New Reg DD Amendment – OD Fee Disclosures
ODP Via a LOC - Annual Financial Statement
Joint Account - Overdraft Line of Credit
Debit Card Mailing – Age 70 & Over Excluded
Bank Employee Checking Account OD Protection
Closing an OD Protection Line - Give 30 Day Notice
Checking Account to Checking Account OD Protection
OD Fee Disclosures - Changing Order of Items Paid
Disclosures Required for OD Line of Credit Changes
Reg E - Overdraft Protection & Error Resolution
Using CML LOC as Overdraft Protection
Reg E - Temporary Reversal of OD/NSF Fees
HELOC Overdraft Protection
Internal Transfers - Reg D Limitations
Personal Account to Business Account Auto OD
Reg O Overdraft Provisions
Bounce Protection Fee Notification
ATM Balance Information
OD Program - Disclosures and Notices
Covering Personal Overdrafts from Business Account
Steps to Maximizing your Bank’s Profitability
Fees for Overdrafts and for Returning Checks
ODP Balance on Network ATMs
Not all Overdraft Programs are Equal
Regulation DD -- ODP Resource Guide
Reg DD - We Only Offer ODP for Sweep Accounts
No ODP. Still Disclose the OD & NSF Fees?
Are We Advertising our Overdraft Service?
Is OD Privilege Signage Required on ATMs?
Overdraft Payment Programs and Reg DD
Business Accounts and ODP
Re-evaluating Overdraft Privilege
DDAs Linked as Sweep Accounts for OD Protection
Converting an Overdraft LOC to a Visa Card
Mailing Info on Bounce Protection
Prior Notice on Blocking Access to Debit/ATM Card
Preventing Bouncing Problems (Best Practices)
Disclosures for OD Protection Repayment Plan
ODP - Length of Time for Charge Off Accounts
Variable Rate Violations
Is NSF Fee for Paid Items a Finance Charge?
Overdraft Protection Questions and Concerns
Overdraft Privilege Serves Customers
Required to Send Notification of Overdrafts?
New ODP Information Requirements Analyzed Final Regulation DD Changes Issued
Overdraft Protection for Commercial Accounts
Age and Product Features for Senior Accounts
A Closer Look at Overdraft Privilege Programs
Account Ownership and Telephone Transfers
Advertising - Charging ODP Fee on Free Checking
The Importance of Training
Pulling Credit Report for Bounce Protection
Getting Everyone on Board for Overdraft Privilege
Why not overdraft privilege?
Overdrafts Moved to Clerical Position
Checking accounts, overdraft protection, and adverse action notice
Line of Credit Statement Requirement
Reg O and Overdraft Fees (Not) Charged
Auto Transfer Agreement & Access to a LOC
Check 21: After the Deadline
Preparing for Check 21
Regulations: Not all Overdraft Programs are Equal
Success of Overdraft Programs Depend on its Acceptance
Overdraft Privilege and "Adverse Action Notices" under ECOA
Outsourcing Overdraft Privilege, It can run smoothly
Overdraft Privilege as Customer Service Tool
Finding a Compliant Overdraft Privilege Program
Disclosures Required with ODP Product
HELOC Tied to ODP
Overdraft Privilege and Reg Z
Charging a Daily Overdraft Fee
Daily Overdraft Fees depend on the State
Lending: Preparing "Fringe" Borrowers to Qualify
Teaching Employees About Overdraft Protection
Contract Renewal for Overdraft Privilege Vendors
Overdraft Protection Changes & Notice Requirements
Business DDA Accounts, Automated Transfers, and Overdraft Protection
Linking Overdraft Protection To Business DDA Accounts With Automatic Transfers
Notifying Customers Of Overdraft Line Of Credit Use At The ATM
Account Management: Linking Business Accounts With Overdraft Protection
Check Overdraft Programs & Reg Z Revisions
Overdraft Privilege and Customer Communication
Repeated Overdrafts: Customer Notification Rules To Close An Account
Can a bank's internal DDA account be in an overdraft position?
Overdraft Protection Fees
Reg E: Online Bill Payment & Overdraft Responsibility
Overdraft Privilege: Service or Burden to Account Holders?
Can an overdraft protection line of credit be tied to a commercial DDA?
Financial Institution Employee Overdraft Privilege
Overdraft Privilege Provides Valuable Service to Customer
Consumer Reports in Connection with Overdraft Protection
Implementing an Overdraft Privilege Program
Overdraft Protection, Call Reports, and "Unfunded Committments"
Overdraft Limits, ATMs & POS
Calming Concerns about Overdraft Privilege
Overdraft Privilege Programs & Outside Vendors
Loan Payments, Fees, & Overdraft Protection
Offsetting One DDA Account With Another Without Customer Notification
Overdrafts: Pay vs. Return
Overdrafts, Reg Z & Advertising
Overdraft Privilege Program
Notice Requirements: Overdrafts and Checks Returned NSF
Interview with John M. Floyd on Overdraft Privilege
Social Security Offsets: Aren't overdraft fees extensions of credit? What about Reg B?
Reopening Closed Account To Receive Overdraft Payments
Overdraft Fees on Electronic Transactions
Overdraft Protection and NSF Fees
Overdraft Protection on a Joint Account
Overdraft Notice Requirement
Executive Overdraft Protection

Overtime
Overtime Rule Changes Impact Banks
Six Lessons Learned: When an Employee Is NOT Exempt
Overtime Pay Calculation
FLSA: FACT OR FICTION
A Quick Question on Paying Overtime
The Myth of the Salaried Bank Employee: Fiction and Fact
Interviewing: Do's & Don'ts


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