Atleast 18 years old Having SSN address in US --- requirements Top contact driver Delaying paycheck direct deposit enroll and failed USPS ADDRESS VALIDATOR,, ADRRESS AUTOFILL ISSUES- ADVISED them to manually update chime and features ( eg, spot me,credit builder,referrals bonuses) every time you refer someone new to Chime using your referral link, and they receive a single qualifying direct deposit of $200 or more! Your friend must enroll and complete a single direct deposit of $200 or more within 45 days of opening their new account. ( referal bonus) Direct Deposit - Qualifying DP *type -amout- frequency TYPE- payroll - all gov benefits - gig/contarctor instant pay out UI-UNEMPLOYMENT SSA- SOCIAL SECUITY SSI- VA-VETRANS BENEFITS CTC-CHILD TAX CREDIT AMOUNT- A 200+ SINGLE DEP FROM THE SOURCES LISTED EARLIER WIL BE CONSIDERED QUALIFYING FOR CHIME FEATURE ACCESS.. FREQUENCY-TO STAY you need received atleast32 days direct deposit. this recency.. Move Money- Direct Deposit- bank transfer-Mobile Check Dep.-Cash Deposits Direct Deposit (dd) - is an electronic payment from one bank account to another DD FORM - ROUTING NUMBER - ACCT NUMBER- Bank Transfer- LINK ON EXTERNAL ACCT SAME ACCT NAME PULL 3-5 BUSINESS DAYS FROM THE DATE THE TRANSFER PUSH - 1-3 BUSINESS DAYS FROM THE DATE THE TRANSFER Mobile Check Dep. this feature allows memeber to dep checks by taking a clear photo and submitting it via their chime app checks are typically posted the b usiness day after the photo has been submitgted as long as its posted before 5pm est for accounts younger than 30days chime can hold the deposit for up to 9 days . Tier 1 low- 2.000/check and 10.000 month Tier 2 medium - 5.000/check and 20.000 month Tier 3 High - 10.000/cehck and 30.000 month Cash Deposits- members can currently only make cash dcep into their spending acct at 90.000 retail loc ..( 15mins and 2 hrs ) Note: members cannot dep cash at atms Limits - Limited to only using the green dot and Incomm network to dep cash They can add up to 1.000 every day and 10.000 per month. Retailers may charge their own fees for this service and apply their own limits on how much or how often memebers may load cash, for example walmart has a 1.000 limit while 7-eleven has a 500 limit. 2) Moving money out of the chime acct - bank transfer- mail a check- pay bills- pay anyone Bank Transfer - Mail A check - 3-9 business days to arrive with the receipt (memebers often contact us to cancel the checks as it takes long to arrive. ) Checks from chime are valid for 180 days after they are sent. Pay bills - Using deb card - using direct debit (ach debit) Pay anyone Chjime to chime it cannot be canceled. payments to non-chime members can be canceled if the receiver has not claimed the funds yet. -Feature activation pay anyone blocking Just contact information block and unblocked Decline button on a request.. Mobile check deposit vs. send a check send a check we do not provide a physical checks to any member and third party checks will not work with chime, after cancellation it took 1-3 business days. all treasury check Cal be endorsed in chime UPS private messenger- chime expiration 4 years reissues same replaced ------ Chime Sign Privacy Toggle April 26th members have ability to edit and customize their own $ChimeSign! ----- SpotME- point of sales (pos) Credit builder is also not supported yet for SpotMe! Base-Bonus-Boost Active Bonuses - $50 in active bonuses time Backup Bonuses - Paused - Boost- are sent from one member to another 4 boosts per month ($5) ------------------------------------------------------------------------------------------------ 06/22/2022 -Savings Acct ( optional ) - No max limit .. standard 250.000 -Interest and Apy ( Annual Percentage Yield ) total amt, of interest earned on a member savings per year.. -Automatic savings -Savings Acct. -Transfer Money -closing savings account *Call us/contact *90 days cannt reopened 90 days * admin profile *Immediately transfer in spending act -CREDIT BUILDER -eligible qualifying dd of 200.00 -Settinng>Credit B Card > Try CRedit builder -you can use temporary card -Limitation -CREDIT SCORE- NUMBER based on the info in your crdit -most range 300 to 850 -GOOD CREDIT -POOR CREDIT -REPORTS OM -OUTSTANDING BALANCE OWNED NOT PAID OFF FROM PRIOR MONTH -PAYMENT SATATSU -CURRENT BALANCE doesn't report ( credit limit , card utilization ) -credit score drop ( not making payments, high credit card utilization, short credit history) How Credit Builder work > move money>spend money>pay balances>built credit -Account Closure Process Step 1. contact us Step 2. reopened after 90 days 3. admin profile 4. How to close check acct Member > chime>Bancorp/Stride Tools.. new zendesk contact reason workflow! ---------------------------------------------------------- 06/23/2022 -withdraw about atm , from his acct -verification Full name latest transaction trying to 240 dollars.. -reason: strenght : i believed the tone or intonation is good she asking probing question opp : She did not verify the customer first, ------- Acct updates Verification: Full Verification ( who are not verified via IVR ) Partial Verification ( PARTIALLY verified via IVR DOB, LAST 4 OF SSN) ( full name and last transaction) Full name and last 4 ssn: applicable for the member who call from the app FV- FN>DATE OF BIRTH (DOB)>LAST 4 OF THE SSN>1 of the last 5 settled transactions PV-FULL NAME> 1 of the last 5 settled transactions> ( Email add and physical address) replaced the transactions From the app >full name and last 4 Social Security Number non verifiable transactions *round up transfer *Atm fees *Spotme tips *pending txn *not within the last 5 gas station : email phone number of address don't foreget to double check in the past 5 days and members have more that 30 with emails days enrolled (5 days from ANY update and 30 days from the SAME update. Also 30 days from creating the account) 1. email and address instead tnx Account does not timeframe 24-48 hrs (Photo Id unexpired and last 4 ssn include your concern / issue that you are having support@chime.com Domain - we can change don't have to follow the 5/30 rule, but if it's the typo of the email, we need to follow the 5/30 penny a new agent tool- Takeaways yesterday - definition of credit builder - the diff between good and bad credit -how credit builder work -Steps how to close an account - Reasons having a drop score credit -Reporting in bureau * Outstanding balance owned * Payment status - Doesn't report * Credit limit, * Card Utilization takeaways for todays training I've learned more how to navigate the zendesk and the correct form how to assist/or verify the member, and how to transfer properly maybe I suggest that we need more call listening for us to be familiar the process and the most call drive .. and more roll play . --------------------------- 06/24/2022 -chimebot activate thier account/card -N- no reissue - Y - it does learn about reissue fee and activate card -Spotme,ach DD, -RRB -DECLINE AUTHORIZATION -REFUND -Possible Member Scenerios - Running balance review -- spending transaction -Viewing decline/denied tnx -Realtime Auth Events ==date time anfd amt.. identify the decline code -denied tnx pennty process Refunds -- More on Denied tnx Cards launch overview -The shipping status -activating -card limits -replacing / reissue -enabling/dis ADMIN FLOWS (CHIEME CARD STATUS>TYPE>ED>LAST 4 CARD NUMBER ------------------------------------------ Process>procedure>policy>SOP (Standard Operating Procedure) SOP - 4746425-ines.67x Authorization Holds or pending charge- 3 - 4 days gAS TSATION 4 DAYS HOTEL HOLDS- 7 DAYS RENTAL CAR/TRUCK - 30 DAYS dEBIT TRANSACTION- tAKE NOTE OF THE 6 DIGIT CREDIT BUILDER TRANSACTION GATHER INFORMATION EMPATHIZE- REPEAT RESOLUTION- --------------------------------------- manual review for direct deposit -neither first name nor last name matches /-first name matches last name \mismatch for male -receivers name looks like a business name -first name mismatch last name match for female -ONLY NICKNAME listed which doesn't give any indicationmm full name -close or suspendend acct. 965 0103 0617 Chime123 ------------------------- Direct Debit if a MM req to cancel or block direct debits we can do so escalating ( dispute team ) Direct thru admin > Tnx alert/tnx events >direct deposit - adding money to the bank >direct debit - subtracting money from the bank ------