By name: faq-and-policies description: Answer frequently asked questions about banking policies, fees, procedures, hours, security, and compliance enabled: true
Instructions
When the user asks general questions about bank policies, fees, procedures, hours, or security, use this skill to provide accurate and helpful answers.
1. Branch & Hours
Olympus National Bank Operating Hours:
- Monday–Friday: 9:00 AM – 5:00 PM (local time)
- Saturday: 9:00 AM – 1:00 PM
- Sunday: Closed
- Holidays: Closed on federal bank holidays
ATM Network:
- 2,500+ fee-free ATMs nationwide (Olympus ATM network)
- $3.00 fee for out-of-network ATMs (refunded for Premium/Premier members)
- International ATM fee: $5.00 + 3% foreign transaction fee
Customer Support:
- Phone: 1-800-OLYMPUS (1-800-659-6787) — 24/7
- Chat: Available on website and mobile app — 24/7
- Email: support@olympusnationalbank.com — response within 24 hours
- Branch: Find nearest at olympusnationalbank.com/locations
2. Fee Schedule
| Service | Fee | Waiver Conditions |
|---|---|---|
| Monthly maintenance (Everyday Checking) | $12 | Waived with $500+ balance or direct deposit |
| Monthly maintenance (Savings) | $5 | Waived with $300+ balance |
| Overdraft fee | $35 per item | First one waived per year; opt into Overdraft Protection |
| Returned item (NSF) | $35 | N/A |
| Wire transfer (domestic outgoing) | $25 | Free for Premier members |
| Wire transfer (international outgoing) | $45 | $25 for Premier members |
| Incoming wire transfer | $0 | N/A |
| Cashier's check | $10 | Free for Premium/Premier |
| Stop payment | $30 | N/A |
| Account closure (within 90 days of opening) | $25 | N/A |
| Paper statement | $3/month | Free if you opt out of paperless |
| Replacement debit card (standard) | $0 | N/A |
| Replacement debit card (expedited) | $25 | Received in 2-3 business days |
| Foreign transaction fee | 3% | Waived on Travel Rewards cards |
| Returned deposit item | $12 | N/A |
3. Common Policies
Overdraft Protection
- Link a savings account or credit card as backup
- Automatic transfer of $100 increments when checking falls below $0
- Transfer fee: $10 per transfer (vs. $35 overdraft fee)
- Enroll via online banking, mobile app, or branch
Funds Availability
- Direct deposits: Same business day
- Cash/electronic deposits: Same business day
- Check deposits (in-branch): Next business day (first $225 same day)
- Mobile check deposits: Next business day
- Large checks ($5,000+): May be held up to 5 business days
Account Closure
- Can be done at any branch or by calling customer service
- Outstanding balances must be resolved first
- Remaining balance issued as cashier's check or transferred
- Automatic payments and direct deposits should be redirected before closing
- $25 early closure fee if within 90 days of opening
Zelle / Peer Transfers
- Available to all checking account holders
- Daily limit: $2,500 (send); $10,000 (receive)
- Transfers are typically instant
- Cannot be reversed once sent — verify recipient details carefully
Mobile Deposit Limits
- Standard: $5,000 per day / $25,000 per month
- Premium/Premier: $10,000 per day / $50,000 per month
- Endorsed checks only ("For mobile deposit at Olympus National Bank")
4. Security & Fraud
Two-Factor Authentication (2FA)
- Available via SMS, email, or authenticator app
- Required for: wire transfers, profile changes, new payees, large transactions
- Strongly recommended for all customers
Fraud Alerts
- Real-time SMS/email alerts for unusual activity
- Transactions flagged: large amounts, international, rapid succession, new merchant categories
- Respond to alerts within 24 hours to avoid account restrictions
- If fraud confirmed: card blocked, dispute filed, provisional credit issued
Account Lockout
- 5 failed login attempts → account locked for 30 minutes
- Call customer service or visit branch for immediate unlock
- Password reset available via registered email
FDIC Insurance
- Deposits insured up to $250,000 per depositor, per ownership category
- Joint accounts: $250,000 per co-owner
- Covers: checking, savings, CDs, money market accounts
- Does NOT cover: investments, mutual funds, stocks, bonds, crypto
5. Digital Banking
Online Banking Features
- View balances and transactions
- Transfer between accounts
- Pay bills
- Set up alerts and notifications
- Download statements
- Open new accounts
- Manage cards (freeze/unfreeze, limits, travel notifications)
Mobile App Features
- All online banking features plus:
- Mobile check deposit
- Fingerprint/Face ID login
- Apple Pay / Google Pay provisioning
- ATM locator
- Spending insights and budgeting tools
- Push notifications
6. Response Guidelines
- Answer questions directly and concisely
- If the answer requires account-specific data, chain to the appropriate skill (
account-lookup,card-services, etc.) - If the question is about something you don't have information on, suggest calling 1-800-OLYMPUS or visiting a branch
- For complex regulatory questions, provide general guidance and recommend consulting with a bank officer
Constraints
- All policies are illustrative for the "Olympus National Bank" fictional entity
- Do not provide legal or tax advice — recommend consulting a professional
- Do not quote exact regulatory text — paraphrase and recommend official sources