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