Products and Services Referrals and Cross Sells

Thomas Smith comes into the Branch to talk about getting some courtesy pay fees refunded. What could be a good product to suggest, to avoid fees in the future?

Jim Jones comes into the branch to deposit a check and mentions how expensive Christmas is going to be this year with inflation and a growing family. What is a good option to help the member with Christmas this year?

What would be a good non-loan option for next year?

Kevin Miller comes into the branch. He is in the Nova Premium Checking With $10K balance, Sky High with $10K balance and a $10K accelerated Balance. Based on Deposit account what could pay the highest dividend with an upgrade to Nova Elite

Chris Thomas comes into the branch looking for help with credit card debt. Member wants the lowest rate possible. What would give the lowest rate? (assume best rate and approval)

Jerry Johnson comes into the branch to get a new debit card due to fraud after a breach at their favorite online store. The fraud has drained the account down to $0.51. Luckily members bills have already been paid. What would be a good product to help prevent the account drain should his card get hacked again?

Jenny Stevens has come in to open a minor account to start saving 13 year old, Timmy’s, birthday and Christmas money totaling $4k. Timmy won’t be using the funds until he is ready to purchase a car at 16. They want it to be harder to access but earn the highest dividend with the ability to continue to contribute. What is a good share to open?

Jane Wilson has come in worried because her account has been in the negative for 33 days. She wants to do the short term Courtesy Pay Repayment Plan. What will the interest rate be?

Brandy Brown is in the branch asking about a second mortgage loan to pay off unsecured debt. Jane’s first mortgage is as 4.75%. She wants to get everything paid and not have to worry about it anymore. What is the best Mortgage product?

Bill Davis comes in to get a small signature loan to pay a $500 unexpected Dr Bill. She is worried about her credit score being too low but she doesn’t want the Dr Bill to go to collections. She has $50 in her Elite checking account. What is a good option for the member.