5.6 KiB
Banking Services Guide
Account Types
Checking Account
A checking account is designed for daily transactions and provides easy access to your funds.
Features:
- Unlimited transactions
- Debit card included
- Online and mobile banking access
- Bill pay services
- Direct deposit available
Requirements:
- Minimum opening deposit: $25
- Valid government-issued ID
- Social Security Number or Tax ID
Savings Account
A savings account helps you grow your money with interest while keeping it accessible.
Features:
- Competitive interest rates
- No monthly maintenance fee with minimum balance
- Automatic transfers from checking
- Up to 6 withdrawals per month
Interest Rates:
- Standard Savings: 0.50% APY
- High-Yield Savings: 2.50% APY (minimum $1,000 balance)
Certificate of Deposit (CD)
CDs offer higher interest rates in exchange for keeping your money deposited for a fixed term.
Terms Available:
- 6 months: 3.00% APY
- 12 months: 3.50% APY
- 24 months: 4.00% APY
- 60 months: 4.50% APY
Early Withdrawal Penalty: 90 days of interest
Transfer Services
Internal Transfers
Move money between your accounts instantly at no cost.
How to transfer:
- Select source account
- Select destination account
- Enter amount
- Confirm transfer
External Transfers (ACH)
Transfer funds to accounts at other banks.
Processing Times:
- Standard: 2-3 business days
- Same-day ACH: Available for transfers initiated before 2 PM
Limits:
- Daily limit: $10,000
- Monthly limit: $50,000
Wire Transfers
For urgent or large transfers, domestic and international.
Domestic Wires:
- Fee: $25
- Processing: Same business day if before 4 PM
International Wires:
- Fee: $45
- Processing: 1-2 business days
PIX (Brazil)
Instant payment system available 24/7, including holidays.
Features:
- Instant transfers
- No fees for individuals
- Available via CPF, phone, email, or random key
- QR code payments supported
Limits:
- Daytime (6 AM - 8 PM): R$ 20,000
- Nighttime (8 PM - 6 AM): R$ 1,000 (adjustable)
Card Services
Debit Card
Your debit card is linked directly to your checking account.
Daily Limits:
- ATM withdrawal: $500
- Point of sale purchases: $2,500
Lost or Stolen Card: Contact us immediately to block your card. A replacement will be sent within 5-7 business days.
Credit Card
Build credit and earn rewards with our credit cards.
Card Options:
- Classic: No annual fee, 1% cashback
- Gold: $95 annual fee, 2% cashback, travel insurance
- Platinum: $195 annual fee, 3% cashback, concierge service
Payment Due Date: 25th of each month
Card Blocking
If your card is lost or stolen:
- Say "block my card" to this assistant
- Call 1-800-BANK-HELP
- Use the mobile app
Temporary blocks can be lifted at any time.
Bill Pay
One-Time Payments
Pay any bill directly from your account.
Supported Billers:
- Utilities
- Credit cards
- Loans
- Insurance
- Government agencies
Recurring Payments
Set up automatic payments for regular bills.
Options:
- Fixed amount on specific date
- Full statement balance
- Minimum payment due
Payment Processing
- Electronic payments: 1-2 business days
- Check payments: 5-7 business days
Loans and Financing
Personal Loans
Unsecured loans for any purpose.
Terms: 12 to 60 months Rates: 8.99% - 18.99% APR Amounts: $1,000 - $50,000
Home Loans
Mortgages for purchasing or refinancing your home.
Types Available:
- 30-year fixed
- 15-year fixed
- Adjustable rate (ARM)
- FHA loans
- VA loans
Auto Loans
Financing for new or used vehicles.
New Cars: Rates from 5.49% APR Used Cars: Rates from 6.49% APR Terms: 24 to 72 months
Credit Line
Flexible borrowing when you need it.
Home Equity Line (HELOC): Up to 85% of home value Personal Line of Credit: $5,000 - $25,000
Investment Services
Investment Options
- Savings bonds
- CDB (Certificado de Depósito Bancário)
- LCI/LCA (tax-exempt real estate/agribusiness letters)
- Investment funds
- Retirement accounts (401k, IRA, Previdência)
Retirement Planning
Our advisors can help you plan for retirement with:
- Portfolio analysis
- Risk assessment
- Tax-efficient strategies
- Regular reviews
Security Information
Online Banking Security
- 256-bit SSL encryption
- Two-factor authentication
- Automatic session timeout
- Transaction alerts
Fraud Protection
- 24/7 fraud monitoring
- Zero liability for unauthorized transactions
- Instant transaction alerts
- Secure card chip technology
What We Will Never Ask
- Full card number via chat or email
- Your password or PIN
- Security codes via unsolicited contact
- Personal information via text message
Frequently Asked Questions
Q: How do I check my balance? A: Say "check my balance" or "what's my balance" to this assistant.
Q: How do I dispute a transaction? A: Contact us within 60 days of the transaction. Provide the date, amount, and merchant name.
Q: What are your business hours? A: Digital banking is available 24/7. Branch hours are Monday-Friday 9 AM - 5 PM, Saturday 9 AM - 1 PM.
Q: How do I update my contact information? A: You can update your address, phone, and email through online banking or by visiting a branch.
Q: Is there a fee for using other banks' ATMs? A: We charge $3 per transaction. The ATM owner may charge an additional fee.
Contact Information
- Customer Service: 1-800-BANK-HELP
- Fraud Hotline: 1-800-FRAUD-911
- International: +1-555-123-4567
- Email: support@generalbank.com
For immediate assistance, continue chatting with this assistant.