Hilltop's Mobile Deposit Banking
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Mobile Deposit Capture is most appropriate for which type of customer?
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Individual
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Business
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Individual or Business
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Sole Proprietor
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Hilltop's Mobile Deposit Banking quiz assesses knowledge on mobile deposit processes for individual customers. It covers initial steps, eligibility criteria, and departmental responsibilities, relevant for learners in banking technology and services.
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- 2.
To get started with Mobile Deposit Capture, what's the very first step a customer must complete?
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The Mobile Deposit Application
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Ten pushups and situps witnessed by someone in E-services.
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Ten chinups witnessed by someone in E-services
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None of the above
Correct Answer
A. The Mobile Deposit ApplicationExplanation
The very first step a customer must complete to get started with Mobile Deposit Capture is to fill out and submit the Mobile Deposit Application. This application is necessary to provide the required information and authorize the customer's access to the Mobile Deposit feature.Rate this question:
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- 3.
Where does the customer find the Mobile Deposit Enrollment Form?
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HilltopNationalBank.com/printableforms
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HilltopNationalBank.com/onlineservices
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HilltopNationalBank.com/onlinebanking
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None of the above
Correct Answer
A. HilltopNationalBank.com/printableformsExplanation
The customer can find the Mobile Deposit Enrollment Form on HilltopNationalBank.com/printableforms.Rate this question:
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- 4.
Auto enrollment for Mobile Deposit is coming soon at HilltopNationalBank.com
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True
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False
Correct Answer
A. TrueExplanation
The statement suggests that Hilltop National Bank will soon introduce an auto enrollment feature for mobile deposit on their website. This means that customers will be automatically enrolled in the mobile deposit service without having to manually sign up for it. Therefore, the correct answer is true.Rate this question:
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- 5.
Once a customer has completed their Mobile Deposit Application, which department will complete the approval and setup?
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New Accounts
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New Accounts - Main Office only
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EServices
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Cards
Correct Answer
A. EServicesExplanation
The eServices department will complete the approval and setup of the Mobile Deposit Application once the customer has completed it. This department is specifically responsible for handling electronic services and transactions, which includes mobile deposit applications. They have the necessary expertise and resources to review and approve the application, as well as set up the customer's mobile deposit functionality.Rate this question:
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- 6.
Before a customer may have Mobile Deposit, there are several eligibility requirements. What are they?
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Online banking enrollment
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Online banking enrollment and a bank customer for at least six months
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Online banking enrollment and a bank customer for at least six months and zero RETURNED NSF items
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Online banking enrollment and a bank customer for at least six months and zero RETURNED NSF items and a positive report from eFunds clearing house
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Online banking enrollment and a bank customer for at least six months and zero RETURNED NSF items and a positive report from eFunds clearing house and an owner/signer on the account
Correct Answer
A. Online banking enrollment and a bank customer for at least six months and zero RETURNED NSF items and a positive report from eFunds clearing house and an owner/signer on the accountExplanation
To be eligible for Mobile Deposit, the customer must have online banking enrollment, be a bank customer for at least six months, have zero returned NSF (Non-Sufficient Funds) items, have a positive report from eFunds clearing house, and be an owner/signer on the account.Rate this question:
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- 7.
Certain items (checks) are NOT ELIGIBLE to be deposited with Mobile Deposit Capture. Place a check mark next to ineligible types of items.
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Money Orders
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Traveler's Checks
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Savings Bonds
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Checks drawn on a financial institution outside the United States
Correct Answer(s)
A. Money Orders
A. Traveler's Checks
A. Savings Bonds
A. Checks drawn on a financial institution outside the United StatesExplanation
The correct answer includes all the types of checks that are not eligible for deposit using Mobile Deposit Capture. These include Money Orders, Traveler's Checks, Savings Bonds, and Checks drawn on a financial institution outside the United States. These types of checks may have different processing requirements or may not be accepted by the mobile deposit system, hence they are marked as ineligible.Rate this question:
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- 8.
Certain items (checks) are NOT ELIGIBLE to be deposited with Mobile Deposit Capture. Place a check mark next to ineligible types of items.
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Checks that have been altered or you know or suspect are fraudulent.
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Checks more than six months old
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Checks that have previously been submitted or deposited through Hilltop's or any other bank's remote deposit service
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Post dated checks
Correct Answer(s)
A. Checks that have been altered or you know or suspect are fraudulent.
A. Checks more than six months old
A. Checks that have previously been submitted or deposited through Hilltop's or any other bank's remote deposit service
A. Post dated checksExplanation
The correct answer is a list of ineligible types of checks that cannot be deposited using Mobile Deposit Capture. These include checks that have been altered or are suspected to be fraudulent, checks that are more than six months old, checks that have already been submitted or deposited through Hilltop's or any other bank's remote deposit service, and post-dated checks. These checks are not eligible for mobile deposit due to potential issues with their validity or previous processing.Rate this question:
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- 9.
There are limits to the dollar amount of the checks that can be deposited. What are they?
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$1,000 per day limit and $2,000 per month
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$500 per day and $1,000 per month
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$5,000 per month
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No limit
Correct Answer
A. $1,000 per day limit and $2,000 per monthExplanation
The correct answer is $1,000 per day limit and $2,000 per month. This means that there is a maximum limit of $1,000 that can be deposited in a single day, and a maximum limit of $2,000 that can be deposited in a month. Any amount exceeding these limits would not be accepted for deposit.Rate this question:
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- 10.
If the existing limits on check volume are not suitable for the customer, what do they need to do?
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Change banks
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Have a bank officer review their situation to waive the default limits
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Talk to new accounts
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Petition the board of directors
Correct Answer
A. Have a bank officer review their situation to waive the default limitsExplanation
If the existing limits on check volume are not suitable for the customer, they need to have a bank officer review their situation to waive the default limits. This means that the customer should contact a bank officer and explain their specific needs and reasons for needing higher check volume limits. The bank officer will then evaluate the customer's situation and may decide to waive the default limits to accommodate their needs. This option allows the customer to potentially increase their check volume limits without having to change banks or involve higher authorities like the board of directors.Rate this question:
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- 11.
The customer's username for Mobile Deposit Capture will be the same as their online banking login id.
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True
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False
Correct Answer
A. TrueExplanation
The explanation for the given correct answer is that the customer's username for Mobile Deposit Capture will be the same as their online banking login id. This means that when a customer logs in to their online banking account, they can use the same username to access the Mobile Deposit Capture feature. This provides convenience and consistency for the customer, as they do not need to remember multiple usernames for different banking services.Rate this question:
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- 12.
E-services will email them a temoprary password in a welcome email, once they've been approved for Mobile Deposit Capture.
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True
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False
Correct Answer
A. TrueExplanation
The given statement is true. E-services will send a temporary password to users in a welcome email once they have been approved for Mobile Deposit Capture. This suggests that the process of approving users for Mobile Deposit Capture involves sending them a temporary password through email as part of the welcome process.Rate this question:
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- 13.
Once they launch the Mobile Deposit App, the process to make the deposit is:
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Endorse the check, enter the amount on their mobile device, take a picture of the front and back of the check, preview for legibility then upload.
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Endorse the check, enter the amount on their mobile device, take a picture of the front and back of the check, don't bother about legibility, then upload.
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Don't bother to endorse the check, enter the amount on their mobile device, take a picture of the front and back of the check, preview for legibility then upload.
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None of the above
Correct Answer
A. Endorse the check, enter the amount on their mobile device, take a picture of the front and back of the check, preview for legibility then upload.Explanation
The correct answer is to endorse the check, enter the amount on their mobile device, take a picture of the front and back of the check, preview for legibility, and then upload. This process ensures that the check is properly endorsed, the correct amount is entered, and both sides of the check are captured in the images. Previewing for legibility helps to ensure that the images are clear and readable, reducing the chances of errors or issues with the deposit.Rate this question:
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- 14.
Guidelines to keep in mind when taking a picture of the check are:
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Good lighting
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No deep shadows
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One check at a time
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No other objects in view
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Dark or monochrome background
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Entire check is visible
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Good focus
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Avoid excess angles
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All of the above
Correct Answer
A. All of the aboveExplanation
The given answer, "All of the above," is correct because it encompasses all the guidelines mentioned for taking a picture of a check. Good lighting, no deep shadows, one check at a time, no other objects in view, dark or monochrome background, entire check visible, good focus, and avoiding excess angles are all important factors to consider when capturing a clear and usable image of a check.Rate this question:
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- 15.
Once you've taken a picture of the front and back of the check and hit submit, the system will acknowledge with "Upload Successful."
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True
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False
Correct Answer
A. TrueExplanation
After taking a picture of the front and back of the check and submitting it, the system will acknowledge the successful upload. This means that the system will confirm that the check images have been successfully uploaded and received.Rate this question:
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- 16.
The customer needs to write "Mobile Deposit" on the front of their check and retain the physical copy for 7 days in a secure location.
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True
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False
Correct Answer
A. TrueExplanation
The customer needs to write "Mobile Deposit" on the front of their check and retain the physical copy for 7 days in a secure location. This statement is true because when using mobile deposit, it is important to clearly indicate on the check that it is being deposited through the mobile app. Writing "Mobile Deposit" helps to prevent any confusion or double deposits. Additionally, retaining the physical copy for 7 days allows the customer to have a backup in case any issues arise with the deposit.Rate this question:
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- 17.
Once a customer uploads a check image, the fund are available right away.
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Yes
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No - deposits are processed in batch mode at 10:30 a.m. and 4:30 p.m. on banking days
Correct Answer
A. No - deposits are processed in batch mode at 10:30 a.m. and 4:30 p.m. on banking daysExplanation
The explanation for the given answer is that deposits are not available right away when a customer uploads a check image. Instead, they are processed in batch mode at specific times during banking days, which are at 10:30 a.m. and 4:30 p.m. This means that there might be a delay between the time the customer uploads the check image and when the funds become available in their account.Rate this question:
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- 18.
How much does Hilltop's Mobile Deposit Capture cost?
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$0.75 per check deposited
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$0.75 per month regardless of the number of checks deposited
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$5.00 per month and $0.75 per check deposited
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No monthly fee and $0.75 per check deposited
Correct Answer
A. No monthly fee and $0.75 per check depositedExplanation
Hilltop's Mobile Deposit Capture does not have a monthly fee, and it costs $0.75 per check deposited. This means that customers can use the service without having to pay a monthly fee, and they only have to pay $0.75 for each check they deposit using the mobile deposit feature.Rate this question:
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- 19.
Once the customer has completed the Mobile Deposit Application and been approved, the next step is to go to the Apple or Android store and install the Hilltop Deposit App.
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True
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False
Correct Answer
A. TrueExplanation
The given statement is true. After the customer has completed the Mobile Deposit Application and been approved, the next step is indeed to go to the Apple or Android store and install the Hilltop Deposit App. This app is necessary for the customer to be able to make mobile deposits using their mobile device.Rate this question:
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Quiz Review Timeline (Updated): Mar 10, 2024 +
Our quizzes are rigorously reviewed, monitored and continuously updated by our expert board to maintain accuracy, relevance, and timeliness.
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Current Version
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Mar 10, 2024Quiz Edited by
ProProfs Editorial Team -
Sep 25, 2013Quiz Created by
Joyce Fullerton
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