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Course/Product Description
Title:

Critical Issues on Certificates of Deposit (CDs)

SKU:WC-1023713
Date / Time: Recorded
Format: Webinar
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Description:

Critical Issues on Certificates of Deposit (CDs)

Still put a piece of paper into a sleeve and give it to the customer and call it a CD? It might be old fashioned, but many institutions still handle nonnegotiable CDs much like they handled the negotiable instrument of days gone by. As we transition from the traditional Certificates that are negotiable to the signature card contract certificates of deposit, what rules apply and what do not anymore? 

We'll look at the procedures that might not make sense any longer, such as Loss of CD Affidavits. It might mean you need signatures of all parties and not just the one opening the account. Old school might not work in today's legal and regulatory environment. Let's look at our CD rules, procedures and ownership issues that may need to be revamped.

Learning Objectives:

  • What is a CD in 2016? Do we need to issue statements on CDs?
  • What disclosures should we give when we open a CD? What maturity notices?
  • Can the financial institution offset a CD?
  • Can the names on a CD be changed?
  • What happens on a CD secured loan with a pay on death?
  • What notifications do we have to send for a "change in terms" under TISA (Truth in Savings Act)?
  • Can we waive CD penalties? Can a penalty be waived for certain circumstances?
  • What happens when the accountholder loses a CD? Do we still do loss of CD affidavit?
  • What is meant by paperless CDs?
  • Do we have to have all the owners sign a CD? Is that true for insurance purposes?
  • How do we issue the check when we cash a CD?
  • And many more questions and answers
Who Should Attend

This informative session is for customer service representatives, new accounts, member service representatives, branch manager, branch administration, officers and anyone who handles or manages deposit accounts.

The Presenter

Deborah Crawford is the President of gettechnical inc. She specializes in compliance and regulations for the deposit side of financial institutions. Her 20+ year career in banking and training began at Hibernia National Bank. She has been a seminar leader for many state associations and credit union groups across the nation. She has Bachelors and Masters degrees from Louisiana State University.

Cannot Attend The Live Presentation?

This presentation is also available in a recorded format, in On-Demand Or CD versions, as shown in the pricing options below.

About Webcasts / Audio Conferences / Podcasts:

Webcasts, audio conferences, and podcasts are presentations that you attend via the Internet, phone, or mobile device at a specified date and time for "live" versions, or at your convenience for "recorded" and "On-Demand" versions.

The live versions are interactive, meaning that participants can ask questions in real time, plus are a very cost-effective form of training because 1) you receive fast, convenient learning without any out-of-office time; 2) you can invite as many colleagues as you'd like to listen in on a single phone line; 3) you incur no travel expenses; and 4) you and your colleagues are back at work immediately after the session ends!

And though with recorded versions you do lose the ability to ask questions, you gain the ability to hear the presentation numerous times and to share it with others in your office.

Handout materials and the phone number for live presentations are made available to you prior to the event via email from the presenter and from the "MyAccount" link on the menu bar. Copies of the presentations are included with recorded versions.

Licenses / Designations / Educational Credits:CEU
All US States: 2.5
All Canadian Provinces: 2.5
About The Provider: Since 1983 Total Training Solutions has produced dozens of videotapes, CD-Roms, DVD's and web-based training modules. In addition to off-the-shelf products, Total Training Solutions also develops custom training products and consults with financial institutions to develop their own training curriculum.

For timely delivery of training topics, webinars or web conferencing is an unbeatable option. We now offer over 100 live programs per year and you can even purchase the recorded or ondemand session if you are unable to attend the live program.

We have worked exclusively with the financial industry since our founding. Because of this, we understand the needs of training departments in financial institutions and are alert to changes which affect the industry.

Webinar Descriptions:

Live Session:
Attend the live session with the opportunity to ask questions to the presenter. You also receive a link to the handouts. All registrations for a live event will be given access to the OnDemand recording, at no additional cost, for seven days following the event. This will allow a flexible alternative when last minute conflicts intrude on scheduled events.

Recorded CD:
CD-Rom includes audio and video of recorded webinar plus hard copy handouts. You will also receive 6 months access to the OnDemand weblink as an added free bonus.

OnDemand:
Includes a weblink for unlimited viewing for 6 months after the date of the webinar as well as a link to handouts.

Live + Recorded:
Includes all three options above. Live session, OnDemand Weblink, and CD-Rom plus Hardcopy Handouts.

Live + OnDemand:
Includes two of the options above. Live session and 6 months access to OnDemand Weblink plus link to handouts.
More Info: Contact Us For More Information
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