# 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:**
1. Select source account
2. Select destination account
3. Enter amount
4. 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:
1. Say "block my card" to this assistant
2. Call 1-800-BANK-HELP
3. 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.