utterance: Thank you for calling Intellibank. Where we value our customers. This is Brenda. How may I help you?

utterance: Yes. I'd like to have a transaction looked at. I think it might be fraud.

utterance: OK. I can help you with that. Who am I speaking with today?

utterance: My name is Claire Morrison. And its M O R R I S O N.

utterance: All right. Thank you. Do you prefer that I call you Claire, or Mrs. Morrison?

utterance: Claire is fine.

utterance: OK Claire. Could you provide me with an account number, or social security number for you?

utterance: My account number is two three nine. Seven zero five.

utterance: All right. Let me just repeat that back to you real quick. That is two three nine. Seven zero five. For that account number. Correct?

utterance: Yes. That's correct.

utterance: All right Claire. Could you also provide me with your date of birth as well?

utterance: It's nine nine of nineteen eighty.

utterance: That's September ninth of nineteen eight. OK. I have I have that. I have located your account. It looks like you have a security question on your account, for security purposes. Can you please tell me your mother mabye bye, your mother's maiden name?

utterance: Yes. Her name was Parker.

utterance: All right. Thank you Claire. I have your account pulled up. Can you tell me what the amount of the transaction is. That you would like to dispute?

utterance: It was for four hundred and fifty six dollars, and ninety cents. And it was to a Locos Taqueria in San Juan, Mexico. It looks like.

utterance: All right. And what was the date on that transaction?

utterance: It's saying it was on September eighth of twenty twenty one. On my bank statement.

utterance: OK Claire. And have you recently traveled out of the country? Or into the area of Mexico?

utterance: No. Absolutely have not. We have not been out of the country since I moved here from England in two thousand and three. And certainly not to Mexico.

utterance: All right. I understand Claire. Have you recently had a debit card that has been lost or stolen on this account?

utterance: No. We, we all have our cards. and nobody's has been lost or stolen that we're aware of. I think we accounted for all of them. After we discovered this.

utterance: OK. Were there any other transactions on your account that you were not responsible for? That seemed odd to you?

utterance: this is the only one that I saw. I went back several weeks to just try to confirm that this was the only one that I saw.

utterance: All right Claire. So what I'm going to do is, I'm going to put in a request for our fraud department to look into this transaction. And see if they can find out what is going on. you should receive a call from one of their investigators in a day or so to get more information. The phones won't be immediately available to you. But once they determine that there was a fraud, Intellibank will release those funds back to you. in order for us to get this rectified for you. But abye bye, but at this time we're just going to kind of have to hold on and wait for that fraud investigator to give you a call. And get that additional information for you.

utterance: OK. Its just so crazy. I just don't get how someone in Mexico got our information. Or how they would spend over four hundred dollars at a Taqueria?

utterance: Well I, I agree with you. That is a lot of money to spend on a restaurant. And unfortunately very sorry that this has happened to you.

utterance: it is a crazy amount. my husband and I, we were talking and like, we took our friends out from a few years ago in Dallas. And there were like four of us. And four dinners. And drinks. And it was only like three hundred and thirty dollars. And my husband about had a heart attack over that three hundred and thirty dollars. Because we are like a value menu type of family.

utterance: I completely understand, Claire. I would've had a heart attack too. I, I did send request through for you. You should also receive an email with that dispute information. it'll outline your claim and also outline kind of the steps of the process from here on out so that you're aware. Is there anything else that I can help with you today?

utterance: yes. Actually, like I think I'd like to transfer the rest of those funds from that account to my bank account that I have at Unity Bank. If that's possible?

utterance: Obye bye, OK. So, I just want to clarify with you. So you're wanting to transfer those remaining funds that you have in your account. The one two three nine seven zero five. and you're wanting to transfer those to Unity Bank? A Unity Bank account that you have? Is that correct?

utterance: Yes please. That's correct.

utterance: And are you wanting to close this account?

utterance: Oh no, I don't think I want to close it. I just don't want them to scam anymore money out of us. So I just would rather move the money that we have in that account. To another bank until we can get this figured out. If that makes sense.

utterance: OK. OK Claire. I understand that. I just want to let you know, that your account security is of the utmost important to us here at Intellibank. And if you would like, I can discuss some other options that we have available for you. Where we might be able to address this issue with this account. and get something else set up for you. Where you feel like a little bit more comfortable. given the situation right now.

utterance: I mean I appreciate that. I just really prefer to transfer the money out of Unity. I'm sorry. Out of your bank account now to the Unity Bank account. just for right now. And then we can always come back to Intellibank. If if something changes. Or we get this worked out in the future.

utterance: OK Claire. I combye bye, I completely understand that. I'm sorry that this has happened to you. and I do want to, to make this right for you. And get you where you're feeling comfortable. In order to do that transfer, I will need to get some information from you regarding that transfer. So if you can just, just give me a few minutes of your time. I do need to know what the routing number for Unity Bank is. Do you have that information?

utterance: yes I do. Its nine eight six. Four five. Six seven eight.

utterance: OK. And that's routing number nine eight six. Four five. Six seven eight. Correct?

utterance: Yes.

utterance: and you give me your account number for you at Unity Bank?

utterance: So my account number's two three four Nine eight seven zero zero.

utterance: All right. Let me confirm that as well. That is account number two three four. Nine eight seven zero zero. Correct? And also is that account in your name?

utterance: Yes. That's correct. And its actually in me and my husband's name. My husband is Jake. J A K E Morrison.

utterance: All right. OK. I'll put that in both of your guys' name. And it looks like right now, the account currently has a balance available of nine thousand nine hundred and eighty nine twelve. So is that the amount that you're wanting to have transferred? Over to, to Unity Bank?

utterance: Yes. That's correct.

utterance: All right and it looks like you have a pin set for this account for security purposes when it comes to wire transfers. Could you please give me that four digit passcode?

utterance: the four digit code is four three nine zero.

utterance: All right Claire. I got it. I'm going to transfer that money now. I do want to let you know that most transfers can be seen immediately. Depending on but depending on Unbye bye, Unity Bank's processes, those funds can sometimes take twenty four to forty eight hours. For you to be able to see those in the other account. so just, don't be alarmed if you don't see them immediately. It just may mean that there's an extra day there of processing.

utterance: OK. I understand.

utterance: All right Claire. it looks like the transfer is completed on our end. And those funds have been sent. You should receive a receipt of transfer to your email. We're going to keep that account open for you at this time. While we review that fraudulent transaction. And can get that investigated for you. OK?

utterance: Yes. Thank you.

utterance: Absolutely. Was there anything else that I can assist you with today?

utterance: no. I do not believe so.

utterance: OK Claire. Well I am sorry that this fraud occurred for you. And I hope that we can get this fraud resolved. And that you can continue being an Intellibank customer in the future. You have a great day. OK?


speaker_role: Agent

utterance: Hello. Good morning. Thank you for calling Intellibank. My name's Alexander. How can I help you?

speaker_role: Customer

utterance: Good morning. My name is John Andrew.

utterance: OK John Andrew. thank you very much. How can I help you sir?

utterance: I'm having issues checking my account balance. I would like to know my account balance.

utterance: OK if I get you correctly sir you have you're having issues checking your account balance.

utterance: Yes.

utterance: OK sir John Andrew is your full name sir?

utterance: Yes sir.

utterance: OK sir please what is your date of birth?

utterance: My date of birth is tenth March nineteen eight six.

utterance: OK. Tenth March nineteen eighty-six. OK sir sir please if you don't mind what's your license ID?

utterance: OK. Well I'll call it for you.

utterance: OK.

utterance: Four nine one six.

utterance: OK.

utterance: Zero eight one three.

utterance: OK.

utterance: Two one five eight seven zero zero nine.

utterance: OK.

utterance: OK. OK. I got to correct this sir please. Just hold on a moment.

utterance: OK.

utterance: OK sir Andrew please what's your mother's middle name?

utterance: Charlie. OK. Sorry. Sarah.

utterance: OK.

utterance: Your mother's middle name is Sarah, right?

utterance: Yes.

utterance: OK. what is your favorite food?

utterance: Seafood.

utterance: OK. sir please what is the name of your first pet?

utterance: Charlie.

utterance: OK. OK sir one moment please.

utterance: Alright.

utterance: OK sir verify your account. please what sort of account account is that?

utterance: Checking account.

utterance: OK checking. OK. sir please what's your bank account number?

utterance: OK I'll like call it now for you . Four three.

utterance: OK.

utterance: Nine six.

utterance: OK.

utterance: Four oh five.

utterance: OK.

utterance: Seven zero one and nine one.

utterance: OK sir please can you call that again?

utterance: OK. Four three.

utterance: OK.

utterance: Nine six.

utterance: OK.

utterance: Four five.

utterance: OK.

utterance: Seven zero nine one.

utterance: OK. OK sir. I'm accessing your account. Please hold on a moment.

utterance: OK.

utterance: OK sir would you like me to tell you how much you have right now?

utterance: Yes I will appreciate it.

utterance: OK sir your current balance is seventeen thousand five hundred and twenty-three dollars.

utterance: OK. Thank you so much.

utterance: OK sir would you need help oh with our online banking? Do you need help?

utterance: No. I don't really need it.

utterance: OK. OK sir. do you wanna check your other accounts with us?

utterance: Yes.

utterance: OK it's the same account balance.

utterance: Yes.

utterance: OK I see here you have another account with us and it's a savings . OK I'll give that to you soon. Hold on please.

utterance: OK.

utterance: OK sir your account balance for that is five thousand one hundred and twenty-one dollars.

utterance: OK.

utterance: Yeah. Yeah. Yeah. I think so.

utterance: Is that OK?

utterance: OK sir OK sir. Where you left these sir you can come to the bank or you can order it online to get like a card and then we can put you through through online banking so that it will be easier for you next time.

utterance: No problem. I'm gone do that in few days time during the week.

utterance: OK sir. OK sir. I would like to advise you on your account and management please sir. Don't share informations with outsiders please.

utterance: Your credit card information unless being asked by the bank.

utterance: OK. Thank you so much. Really appreciate all you're saying.

utterance: OK sir is there anything else I can help you with at all?

utterance: maybe I would like to know if there is any breach in security system of your bank.

utterance: OK sir currently we are upholding our own firm at Intellibank. We're trying to make sure our security's uptight. We're trying to give customers the best. We are having nothing like issue-wise based on security measures and we're trying to upgrade our systems to make sure they give you the best so when it comes to security just know you're well secured sir. Is that OK?

utterance: I really appreciate all you're saying. At least I feel relaxed my funds are safe in your bank.

utterance: OK.

utterance: OK sir. OK sir. Thank you very much for contacting Intellibank. Do have a nice day sir.

utterance: Thank you so much. I appreciate your time too.

utterance: OK bye.

utterance: Bye.


utterance: Good afternoon, thank you for calling Intellibank. This is Rose. How can I help you today?

utterance: hi Rose, my name is Kim. How are you. How are you doing today?

utterance: I am doing great. I mean, I wish I was out enjoying the the weekend air and and swimming in the ocean. However, aside from that I feel really great about having a job and that is giving me a reason to have a good day.

utterance: Right.

utterance: That is wonderful. That is way to look on the positive side of that. Well Rose, I'm calling. Excuse me, sorry about that. I'm calling today because I had just logged online to my to my bank account and I noticed something on my statement that I didn't recognize.

utterance: Yes, ma'am.

utterance: Oh, OK. So you need to dispute a transaction?

utterance: yes.

utterance: OK. All right, I can certainly help you with that Kim. I just have to ask you a few questions, get a little information from you so we can get to the bottom of this for you. I know you said your first name's Kim. Can you please tell me what your last name is and spell it?

utterance: Yes, please.

utterance: Sure. It's Johns. It's J O H N S.

utterance: Thank you so much Miss Johns and what about your date of birth?

utterance: it's April twenty-fourth of nineteen seventy-seven.

utterance: Thank you so much and your security question is what is your mother's maiden name?

utterance: that's Murphy.

utterance: Thank you. And also is this your checking account that we're checking? or savings? OK.

utterance: Yes.

utterance: Yeah, it's my checking.

utterance: Can you please provide me with that account number?

utterance: Sure. I see here. Oh, I think I left it upstairs. hold on for one moment for me Rose.

utterance: Sure, Kim. Take your time.

utterance: OK. sorry about that Rose. Thanks for holding.

utterance: No worries, no worries. You're very welcome.

utterance: OK, my account number is one zero zero one one two zero five nine five.

utterance: All right, thank you so much. OK, let's see what we have here. And can you tell me the dollar amount of the transaction that's relevant?

utterance: sure. It's for ninety-seven dollars and fifteen cents. it looks like, based on what I'm seeing online, it was charged to my account on September second and the the company name looks like it says Tech dash N O. but I don't I don't recognize the name and I've never seen this company or I definitely didn't charge anything for this amount. I don't know. Does it say on your end what like any any more information about the company, maybe where it's from or anything or a telephone number maybe?

utterance: it does look like it's from the UK. Let me just make sure I'm looking at the right one. What was the the transaction date?

utterance: Hmm.

utterance: it was on September second.

utterance: Yes, this looks like it's from the UK. it does give an international number but it doesn't actually say what the business is. It's just a number and a email, so that seems fraudulent. and not fraudulent in the way like someone just you know. Like it looks like kind of a scam or something. So what we're gonna do is go ahead and put a hold on your account. till we can get to the bottom of this for you. OK? bear with me just one second.

utterance: Hmm.

utterance: Hmm.

utterance: OK.

utterance: And how long would a hold on the account would be? bills that I'm gonna have to pay and a lot of things are are already set up to automatically come out of my account.

utterance: Well

utterance: Oh my. I do understand that frustration. It's definitely an extreme inconvenience in the situation like this. might I suggest we transfer the money over to your savings account. Is that possible? Because we'll have to we'll have to put a hold on the account while you know so no other fraudulent you know transactions can take place and whatever company this is can have can't have any more access to your money while we're disputing this. Disputes generally take anywhere between three to five business days. I have noticed recently that they are taking about three days, but you know just in case just wanna let you know that it could take an additional five days. I did wanna ask you something. do you know if anyone else has access to your account and could have made this transaction?

utterance: no. I don't think anybody you know I I haven't given my information to anybody. not unless it's something you know someone got a hold of something online, which you know I have here and there made purchases online. of course supposed to be secure sites and everything but no, I've not given my information to anybody. and I don't wanna transfer the funds cuz I most of the things that I'm paying not gonna be able to pay out of my savings account. They will only you now take your checking account.

utterance: Mhm.

utterance: OK.

utterance: so I'll just have to wait until the investigation is done and. You know the the money is hopefully put back in my account cuz it's definitely not something I charged and then I can just resume using my account, my checking account.

utterance: Mhm.

utterance: Certainly, Miss Johns. I just wanna confirm that I have all the necessary information. So, we we have the dollar amount and we are not really sure where this company is. We just know that it's in the UK . let me go ahead and put this information through to our dispute department and I just need to place you on a brief hold. OK?

utterance: Sure, thank you.

utterance: You're very welcome.

utterance: OK, Miss Johns. I have given all this information over to our investigating department for this dispute. I have also placed a lock on your card to protect against further fraudulent transactions. Is there anything else that I can do for you today?

utterance: no, that's everything. I really appreciate it. You guys at Intellibank have really, you know, you're on top of things. I appreciate your help.

utterance: Oh, thank you so much Miss Johns. We really value you as a customer and appreciate your loyalty. And if you have any questions or any further concerns, please don't hesitate to give us a call back. And you you did mean Intellibank, right?

utterance: Right, exactly. I'm sorry. I swear, I think I do that every time. Intellibank. You did say it in the beginning of the conversation.

utterance: OK. I just wanted to make sure.

utterance: It's OK.

utterance: Yes, ma'am. I just wanted to make sure because there is there's two. There's an Intellibank and an Intel and I just wanted to make sure you meant Intellibye bye. No worries. No worries, I get that all the time. Well Miss Johns, it's been a pleasure talking to you today and and I hope that we're able to resolve this for you very soon so you can just get back to resuming your life and paying your bills on time. And

utterance: Oh, OK. I didn't even know.

utterance: Yes. Thank you so much. I appreciate your help today.

utterance: You are very welcome. Thank you so much.

utterance: Have a good day.

utterance: Bye bye.


utterance: Thank you for calling Intellibank. This is Kimberly. How can I help you?

utterance: Yes, hi. Good evening.

utterance: Yes, ma'am.

utterance: Yes.

utterance: My name is Anastasia Hoffman and I need to check my account balance, please.

utterance: OK. Well before I can pull up your account, I do need some information from you. You said your name is Ms. Hoffman?

utterance: Yes. It is.

utterance: It's Ms. Hoffman.

utterance: OK.

utterance: Thank you Ms. Hoffman. would you be able to please confirm your date of birth for me, please?

utterance: Oh, sure. My date of birth is oh three one two seventy-eight.

utterance: Thank you and can I get your security question please? so can you go ahead and use your first one here? what is your mother's maiden name?

utterance: Which which one?

utterance: it's Petrov.

utterance: And her first name?

utterance: Margarita. .

utterance: Thank you. OK and do you happen to have your account number with you?

utterance: You know. Yes, I think I do. Yes. Oh, here it is.

utterance: Four four three two one zero nine seven eight.

utterance: Thank you and is this a checking or a savings account?

utterance: It's a savings account. I actually opened it up to help my son.

utterance: So that's why I noticed the balance is not the same balance that I think it should be.

utterance: OK, very good. All right. I have your account pulled up here ma'am and you said it's not the balance that it should be. did you happen to make any withdrawals or anything that you aren't, you know, recognizing? Maybe you you used your card. Did you give your card to your son?

utterance: You know yeah I think I did but just one time and then he gave it back.

utterance: Was that recently?

utterance: That was about two weeks ago.

utterance: Two weeks ago. OK. So what did you notice? Was this on the account? are you noticing something that maybe is not.

utterance: It is a two-hundred and fifty dollar difference.

utterance: OK. about what date was that? I see a couple of large different transactions here.

utterance: OK so was about three weeks ago?

utterance: Three weeks ago.

utterance: Yes.

utterance: About two or three weeks ago. Is what it was.

utterance: OK. All right so I am looking here and is this the only account that you notice some discrepancies on?

utterance: Oh, yes. Cuz that's why this is the only one I opened for him and then I I. This is the only one I let him use the card one time.

utterance: OK.

utterance: Is there a lot of mistakes or is there a lot of withdrawals in this account cuz I'm not I'm not seeing it on my end.

utterance: And did you happen to go online and see this?

utterance: Yes.

utterance: That's how I knew that there was a little bit of a difference on what I thought I should have in there and what is in there.

utterance: Perfect! Well, I'm glad to hear that you have access for our online account so you've obviously got very proficient with that. You know that how easy it and convenient it is for you to do that. So the only thing that I can see here is this one for ABC Distributing. Are you familiar with that company?

utterance: No. I don't have any dealings with them. Who are they?

utterance: I'm not too sure, ma'am. It's it just looks like a retail thing

utterance: and.

utterance: How much is that for?

utterance: That was two hundred.

utterance: And fifty.

utterance: So that's my difference right there at. That's my. Is that my discrepancy?

utterance: Well is that the amount that you think that you're.

utterance: Just give us. Yes just about that much.

utterance: OK. Well, then that's the only thing here I see, ma'am. Other than that I just see your normal deposit fund in here.

utterance: OK.

utterance: All right. All right. So you can you've been most helpful. At least you helped me. Do you have a? Is Is there a number on there that I can call these people?

utterance: Yes. Give me just a moment and I will pull that up for you and then I could give you that information. if you'd like I can also walk you through how you can setup a dispute for this online if you are interested in doing that.

utterance: Well, I wanna setup the dispute but I also want to setup a dispute with my son.

utterance: well, I can that unfortunately I'm unable to assist you with. but if you're online right now, do you. If you go up to the top you see where it says account services.

utterance: Uh-huh, yeah I see that.

utterance: OK. So when you click on that it opens up different options for you.

utterance: OK. Just give me a minute. Give me a minute.

utterance: OK cuz I'm not one hundred percent computer savvy here.

utterance: Not a problem.

utterance: OK so. OK, I clicked it up. I see. I see here that it opened up.

utterance: OK. So you're gonna go to the one where it says transaction disputes.

utterance: OK. Let's see. All right.

utterance: That should be very off to the right.

utterance: OK. Here we go. OK I see it. I see it. So just click on it?

utterance: OK.

utterance: Yes.

utterance: OK.

utterance: OK. I did.

utterance: OK. So once you're ready to setup a dispute on it when you click start dispute, it's going to send you a PIN number.

utterance: Mhm.

utterance: Oh, OK. On my phone or?

utterance: OK.

utterance: To.

utterance: Your phone.

utterance: Oh, OK. OK.

utterance: And.

utterance: Then you'll just put that four digit PIN number in there and then it'll pop out another little box for you that's gonna be a chatbox and somebody will come online in a few moments and then they'll be able to assist you with setting that up.

utterance: Uh-huh.

utterance: OK cool So so I I can go I can always just go back into my account when I'm ready to do this after I've spoken to my son.

utterance: OK.

utterance: mhm.

utterance: Because you know I. If this people. If he would have that he bought something from them, it's not their fault that he didn't do what he was not supposed to do.

utterance: So I wanna make sure and clear that out first.

utterance: Sure. Not a problem. Understood. OK so do you have your pen and paper ready? I'll give you that number for that company.

utterance: OK?

utterance: OK.

utterance: OK. I'm ready.

utterance: All right.

utterance: So ABC Distributing, it's gonna be one eight hundred three two five.

utterance: Mhm.

utterance: Three six four six.

utterance: So three six four six?

utterance: Yes, ma'am.

utterance: OK.

utterance: I got that.

utterance: OK. So is there anything else I can help you with today in regards to this account?

utterance: No. You were most helpful. Thank you so very much. I appreciate all your help yes this is good. This is good. Thank you so much.

utterance: All righty.

utterance: Well, again my name is Kimberly and thank you so much for calling us at at Intellibank, Miss Hoffman you have a great day.

utterance: Uh-huh.

utterance: You too. Thank you. Bye bye.


utterance: Thank you for calling Intellibank, where we value our customers. This is Brenda. How may I help you?

utterance: yes, I need to dispute a transaction.

utterance: OK. I can absolutely help you with that. Who am I speaking with today?

utterance: My am Gina Butler.

utterance: OK, Ms. Butler. Can you provide me an account number? Or your social security number?

utterance: my social security number is nine one three. Two two. Four seven. Six nine. OK. My date of birth, it's November second nineteen eighty one. If you need that as well.

utterance: OK. Thank you Ms. Butler. Thank you for that information. It looks like there is also a security question on the account. Can you tell me what the name of your first pet was?

utterance: My first dog's name was Gary. he was a wirehaired terrier that I got when I was thirteen.

utterance: I also have a wire haired terrier as well, Ms. Butler. They are great dogs.

utterance: Yes. Gary was a great dog.

utterance: Well, Ms. Butler, that was the correct answer. just so you know, if you want to dispute a transaction, I'm just going to need to ask you a couple of questions. And get some information from you. Can you tell the amount of the transaction you are wanting to dispute?

utterance: Yes. It's ninety eight dollars and forty cents.

utterance: All right. Thank you. And do you know what date this transaction took place?

utterance: Well, on my online banking, it shows that date as September first of twenty twenty one.

utterance: All right. I did find that transaction Ms. Butler. Can you tell me why you are disputing this transaction?

utterance: Well I've, I've never been to the cafe. It says its a cafe in Florida, but I live in Missouri.

utterance: I totally understand that Ms. Butler. I do show the transaction address as being made in Florida. And I do show it that it was made on September first, of this year.

utterance: Yes. I haven't been to Florida in like two years. My husband and I, we went for our anniversary in two thousand and nineteen. But I was, definitely not there last week.

utterance: All right. Ms. Butler, have you recently lost or misplaced your debit card?

utterance: No. I still have my debit card with me.

utterance: OK. And have you recently made any online purchases?

utterance: Yebye bye, of course. I make online purchases all the time. Every day almost.

utterance: OK. It is possible that your account information may have been compromised in some way due to an online purchase. But we will have our fraud team look into that for you. And we'll look into that complaint and try to get to the bottom of it.

utterance: OK. Thank you. I'm just really nervous now that someone is sitting there using all of my account information. And going to keep running up charges on my account.

utterance: Ms. Butler, I completely understand that. I'm so very sorry that this happened to you. I'm going to initiate that dispute for this transaction. I will escalate this to our fraud department. They will investigate that transaction and try to find out what might have occurred here. Were there any other transactions on account that didn't seem right or that you did not make?

utterance: no this was the only one that I saw. I looked through all of them for like the last two weeks, and I didn't see anything else outstanding. But will they release those funds back to me? Or will I have to wait until they've completed their investigation?

utterance: The fraud department will release the funds as soon as the claim can be reviewed. This usually is completed in about thirty business days.

utterance: OK. So how do I stop it from happening again? Do I need to replace all of my debit cards?

utterance: what I can do for you, Ms. Butler, is that I can issue a new debit card for this account. Just to be safe. This'll make sure that if anybody set up anything online, or any kind of accounts that for pay purchases that they've used your information on. This will, this will get your information out of that system, where they'll no longer be valid if they try to make any additional purchases.

utterance: Right. That sounds perfect.

utterance: OK, Ms. Butler, I just need to confirm your address to have that debit card mailed to. Can you just confirm the address? The billing address that you have here on your account?

utterance: It should be two thirteen North Winrow Drive. and that's actually in Maryville, Missouri.

utterance: All right Ms. Butler. Can you also confirm that ZIP code for me?

utterance: It is six five six seven eight.

utterance: All right. Thank you Ms. Butler. I will put this request in to get you a new debit card sent out.

utterance: I mean receive, should receive you new card within ten days. Ms. Butler, I do want to again apologize that you're going through this. And let you know that Intellibank is going to do everything we can to have this matter resolved for you. I just want to make sure that there's nothing else that I can do for you today, in order to get this resolved.

utterance: I think that is all. I just really want to make sure my information isn't going to be out there. And I'm not going to have this issue again.

utterance: I completely understand that, Ms. Butler. Intellibank offers some tips for safe online shopping methods. For your added layer of security. If you want, I can email that information to you. We basically have like a little break down list that will kind of tell you some steps. Just to make sure in the future, when you're making a purchase, that this doesn't happen. Would you like me to email that information to you?

utterance: sure. That would be great.

utterance: OK. I just want to confirm the address that we have on file for you is Gina, G I N A one B at Yahoo dot com. Is that correct?

utterance: Yes. That's correct.

utterance: Right. I will get that email to you right away. and if you have any questions regarding that, once you receive that information, you can give us a call here at Intellibank. And we can walk you through it. Was there anything else that I might be able to help you with today?

utterance: I don't think so. I just really want to make sure that my account is safe.

utterance: I, I can totally understand that Ms. Butler. And, and that's what we're aiming here to do, is just make sure that your account is safe for you moving forward. Ms. Butler, I just want to thank you for choosing Intellibank. Again, if you have any questions in the future, or any questions regarding the fraud complaint that you have made. Regarding this transaction. Please just give us a call back. We are, we are happy to help you at any time.

utterance: All right. Thank you.


utterance: Good morning, it's a great day at Intellibank. Who do I have the pleasure of speaking with?

utterance: yes good morning, my name is John Meadows and, I'm a customer with several accounts.

utterance: OK mister Meadows what can I do for you today?

utterance: I'd like to open up a new account I wanna I'm trying to separate some funds and a new checking account

utterance: OK, and you say that you currently have an account with us?

utterance: Yes, I'm currently a customer.

utterance: OK, let's go into your account first, I'll ask you some questions. Can you please spell your last name?

utterance: yes it's Meadows M E A D O W S. My E mail is J D Meadows at G mail dot come. My phone number is six O two six eight four three one nine two.

utterance: OK mister Meadows, just one moment. What's your date of birth?

utterance: My birthday is January fifteenth nineteen sixty-five.

utterance: OK, and how about the last four of your social?

utterance: Six three five five.

utterance: Do you happen to have your debit card with you?

utterance: I have my debit card yes I do.

utterance: What are the last five digits on that card?

utterance: OK, let me a moment let me just go get it, it's in my wallet.

utterance: Sure.

utterance: OK, here we go the last the last four digits.

utterance: last five digits please.

utterance: Two one five seven O.

utterance: Perfect, OK great and lets see I have one security question for you. What is the name of your first pet?

utterance: My beautiful little pet named Cleo, Cleo.

utterance: OK, wonderful. I'm in your account now mister Meadows and you said you'd like to open a new checking or savings?

utterance: new checking account.

utterance: OK.

utterance: Could you please before we we do that could could you give me the balance of my current checking account.

utterance: Absolutely, hold on a moment OK looks like the balance in your checking account is two thousand five hundred fifty-one dollars and sixty cents.

utterance: OK, yeah I'd like to transfer five hundred dollars into the new checking account.

utterance: OK, one moment please. so we have several checking accounts available, we have simple checking if you don't need to come into the branch very often, you can do every thing online, that is free. there's no monthly charge on that as long as you have a hundred dollar minimum in there or we have the premium checking account if you prefer the convenience of coming into the branch to do your transactions. Which one would you like?

utterance: I'd like the free one.

utterance: OK, great.

utterance: Yeah, I'm not I I really came I I came in to open up the account initially but you haven't seen me since then.

utterance: OK, great. So OK, we've got your new online checking account. How much did you say you wanted to transfer?

utterance: five hundred dollars from my current checking account to the new checking account.

utterance: OK, great and we'll setting up a new debit card for that account as well. Would you like to select your PIN number now?

utterance: could I use the same PIN number?

utterance: I. I don't think so I think you have to use a different PIN number.

utterance: That I have.

utterance: OK

utterance: In fact you know what? I'll send you the debit card and then if you call the eight hundred number on the front of the card, you'll be able to set up the PIN number yourself, OK?

utterance: Oh, OK.

utterance: Yeah, no that that that sounds great.

utterance: OK. let me just verify your address so that we know where to that we are sending it to the correct address.

utterance: seven five three dogwood and it's road not street, I may have put in street, I always confuse it but it's seven five three dogwood road phoenix Arizona eight five oh oh three.

utterance: OK, great. It looks like we have it correct in the system. So we'll get that out to you today, you should have it within five business days.

utterance: OK, the so my, that will my new account, it will have five hundred dollars, you gonna be sending me a new debit card I'll set up the card.

utterance: Yeah.

utterance: and sounds like we've done everything.

utterance: OK, great. Well if there's anything else I can help you with.

utterance: Nope, that you you've been very helpful. thank you very much.

utterance: OK mister Meadows, enjoy the rest of your day.

utterance: Yup, bye bye.

utterance: Bye.


utterance: Thank you for calling Intellibank. This is Becky. How can I help you?

utterance: Hi. Yeah. I I unfortunately need to change my address.

utterance: OK. That's something I can help you with. Can I get your account number, please?

utterance: Yeah. It's one seven nine four five three zero zero.

utterance: OK. Thank you. And your name?

utterance: My name's Karen Hucksley. Which will be changing soon, also.

utterance: OK. And Karen, can I get your date of birth, please?

utterance: Yeah it's two eighteen ninety two.

utterance: All right. And for app security, it looks like we have an authenticating ID that I need from you. Your drivers license number, please.

utterance: why? hold on let me go find it.

utterance: All right. Are you ready?

utterance: yes.

utterance: Six six one seven five four, two oh R.

utterance: OK. Thank you. And it looks like you have a security question here. your maiden name?

utterance: It is Smart. Which it will be again for my last name seeing as my now ex-husband decided to find someone much younger than a twenty-nine year old. I don't know what is young enough for him.

utterance: Beyond that, then. I dunno. yeah, smart. That's. Yep. Smart. I'm so smart.

utterance: OK. Thank you.

utterance: OK. Thank you for that information.

utterance: I married an idiot. I am so smart.

utterance: Can. And can I ask you what type of information did you want to update, did you say your address?

utterance: Yep.

utterance: That. That will be it. Seeing as I'm moving into the smallest apartment for the most money, in the world, in Portland. But, yeah.

utterance: Yep. Just my address.

utterance: Yeah I heard that. I heard that rents were kinda high in Portland. OK. I I'm ready. Can I get your new address please?

utterance: Yep. It's eighteen C sixty fifth avenue. Portland, Oregon. I think nine seven zero six eight?

utterance: OK.

utterance: Thank you very much. I

utterance: And that's

utterance: C for apartment eighteen C. Which is the smallest apartment in Portland you can find.

utterance: OK. Well thank you for that information. I have input that into your account, and it is updated now.

utterance: Now, if I wanted to change this again, say I find the you know, step up from the worlds smallest apartment, could I do this myself? Like I've heard that there's online banking that you can like change account, or rename things. It. Can I do that with this? Or is that something that I'm gonna have to call you again or go into a

utterance: mhm. mhm.

utterance: Good good questions. yes you can do a lot with an online banking account. I'd be more than happy to help you to set that up.

utterance: How long is this gonna take?

utterance: it would probably take five to ten minutes.

utterance: Or I can just tell you the steps a couple of the steps in order to set up your own online account.

utterance: All right, yeah. Just tell me the the the steps cuz I've some some movers coming to move all my stuff into my apartment because my dumb husband won't even help me move a bed out. and I have to pay these people the price of rent just to move in everything to take up the size of my storage unit apartment.

utterance: So, yeah. If we could be quick about this that would be wonderful.

utterance: Yes. I'm. Definitely. So what you'd want to do is go to Intellibank dot com, to our website and on the website you're going to see there's a menu at the top and one of the menus is to log in to an account. So if you click on that button, it will say you can either sign in or log in . Or it will say to start an account and that's what you want to do even though you already have an account. You'll need to input your account number and verify with the information you gave me today. Date of birth, your drivers license. And your security Answer you your security question. and that will set up your online account. And then from there if you ever need to change your address, you can do that online.

utterance: The certain things you can't do online. you would need to call us back and we're here twenty-four seven and happy to help but many things you can accomplish online.

utterance: All right. Well, that is nice. Now I won't have to leave my two by two just to change my address so.

utterance: OK. That's nice. Hopefully I can get some Wi-Fi in my toaster oven of a house and pay an arm and a leg to walk two feet to my toilet to my bathroom.

utterance: OK well. is there anything else that I can help you with today?

utterance: Unless you can find me a smaller apartment, than no.

utterance: OK. Well thank you very much for calling Intellibank and have a good day.

utterance: Yeah, you too.


utterance: Hello and thank you for calling Intellibank. My name is Kathy. How may I help you today?

utterance: Hi. This is Laura Winters and I'd like to open a banking account.

utterance: That is wonderful to hear. We can definitely start the application process over the phone. However, I do need to inform you that we won't be able to finalize your account over the phone today. we would need you to come into one of our branches to finalize the account. Is that something you're able to do?

utterance: yes. I can probably do that. Do you have any branches in the southeast part of town?

utterance: In fact, we do. our southeast location is at fifteen hundred East Bradley Avenue. Of course, in Pueblo Colorado. Eight one, zero one three.

utterance: Oh, great. That's right in my ZIP code. So I'm sure I'll be able to find that. So what do I do?

utterance: So I can go ahead and collect some information from you over the phone here. first and foremost, if I can please have you repeat your first and last name for me?

utterance: It's Laura Winters.

utterance: Wonderful. And Miss Winters, are you wanting to establish a savings or a checking account with us today?

utterance: Checking account, please.

utterance: Excellent. And if I could please have you, Miss Winters, give me your full social security number and your date of birth, please?

utterance: OK. It's three seven eight, three nine, eight five, seven seven. And my birth date is four five fifty-five. That's April fifth, nineteen fifty-five.

utterance: So how's your day going?

utterance: Oh, thank you so much for asking. I'm actually having a wonderful day. How's your day going, Miss Winters.

utterance: It's going fantastic. Thank you. And I'm glad your day is going nice. You sound like a very nice young lady.

utterance: Thank you so much. I definitely appreciate that. and so what is your current address, Miss Winters?

utterance: It's nine eight seven, South Pappawa Drive, Pueblo Colorado. Eight one, zero one three.

utterance: And Miss Winters, could I please have you spell Pappawa for me?

utterance: Sure. It's P A P P A W A. Pappawa Drive.

utterance: Thank you so much. And also, what is the best phone number for us to reach you at, please?

utterance: First it's seven one nine, two one five, two six, nine nine.

utterance: Thank you. And finally, which email address would you like associated with your account today?

utterance: let's see. I think the easiest one would be Laura Lynn at SuperMail dot com. That's Laura, L A U R A. Lynn, L Y N N, at SuperMail dot com.

utterance: Thank you. And in order to safeguard your information, we will need to set up a security question for you today.

utterance: Oh. How about what street I grew up on? Would that work?

utterance: That is a fantastic security question. And what would be the answer to what street you grew up on?

utterance: it's Saint Johnson's Street. Three words. Saint, S and do I spell it out or or can I or is it just something I give the call center?

utterance: this would be some information you would just give the call center for us to verify you whenever you do call in over the phone.

utterance: OK, great. And is there a convenient way to check my balances or do my banking without having to call customer service?

utterance: I'm so glad that you asked. In fact, there is. it's just as simple as getting on to our website. That's WWW dot Intellibank dot org. Along the top banner, you can locate our member login button. Clicking that will direct you to a new page. Once there, you can just simply click the enroll button, and answer the prompts. That will allow you to be able to establish your online account. From there, that will give you access to all of the different services that we do offer, including checking the balances of your accounts, making any transfers. you will also be able to use our online loan application. And with your checking account, you do also have access to our bill pay program. And we do have a site that you can order checks for free.

utterance: Free. That sounds wonderful. That's my kind of checks.

utterance: We aim to please here, Miss Winters. And is there anything else that I would be able to help you with today? Do you have any other questions for me?

utterance: No. I think I'm all set. Thank you very much.

utterance: You are very welcome. I hope that you have a wonderful rest of your day. We look forward to seeing you in our branch at your earliest convenience to finalize your account with us. And thank you so much for contacting Intellibank for your banking needs. Have a wonderful day.


utterance: Thank you for calling Intellibank. My name is Dante, how can I help you today?

utterance: Yes, I was calling in. I wondered a couple things but first, I just wanna make a transfer from my savings account over to my my loan account.

utterance: OK. I'll be more than happy to assist you with making a transfer today. to start off but I do need to verify some information, however. Right. So can you start by giving me your full name and your date of birth, please?

utterance: yes. My name is Wu Nelson. My date of birth is ten, nine, nineteen ninety-two.

utterance: Thank you very much, Mr. Nelson, for that information. can you go ahead and verify the last four digits of your social security number for me, please?

utterance: It is zero seven six four.

utterance: Thank you. All right, and what is the account number that you want to your savings account that you want to make the withdrawal from?

utterance: yeah, that account number is three nine five seven two two seven nine four seven dash one.

utterance: Thank you very much. Let's see here. All right, though that did not pull up anything for me.

utterance: hold on. Maybe I got that wrong. Let's see. it's three nine five seven two five seven nine four seven dash one. Yeah, sorry about that.

utterance: It's OK. Let's see here. So that was three nine five seven two five seven nine four seven dash one?

utterance: Yes, that's correct.

utterance: OK. All right, here it is. Yep, I do have the account information up. All right, and what account did you wanna transfer into.

utterance: My my auto account my other it's the account is seven three nine four three zero five eight five seven.

utterance: All right. Let's see here. Is this seven nine or seven three nine four three zero five eight five seven? All right. Yep, I do have that account here. And how much did you wanna transfer today?

utterance: Yeah, I'll like to transfer three hundred and fifty dollars.

utterance: OK. All right. Well, it's showing that your savings account balance, you do have nine hundred sixty-two dollars and thirty-seven cents available . All right, and I will transfer that over into your other loan account. Now your auto account as of right now has four thousand three hundred fifty dollars and seventy-two cents. All right. So I want to make that transfer, gimme one second here, of three hundred and fifty dollars. All right. So now your account balance is, on your title account or your auto loan account, is seven thousand dollars and thirty-one cents and in your savings account that you transferred from, you now have a balance of seven hundred and twenty-three dollars and nineteen cents.

utterance: Oh! Thank you very much. I really appreciate it. Well, that is

utterance: You are more than welcome, is there anything else that I can do for you?

utterance: Yes. actually, I want to dispute some charges.

utterance: OK. sorry to hear that you have to dispute some charges but I'll be more happy to take a look and see what's going on. What what what charges what account do you wanna dispute the charges on?

utterance: yeah. It's my checking account is the account number is three nine five seven two five seven nine four seven.

utterance: Thank you. see here. All right. So I do have that account up. So what I'm gonna need from you, I'm gonna need the the date of the transaction and then the dollar amount, please.

utterance: OK. So the date of the transaction. See here, lemme look on here.

utterance: Oh! Just give me one moment, I had it here somewhere. Oh, here it is. All right. So the total amount, five hundred dollars, and it's the the the the first one was on nine twenty so which one here twenty-one and the amount was a hundred and twenty-five dollars.

utterance: OK. So you said nine twenty twenty-one for a hundred and twenty-five dollars, OK. Yep, I see that one.

utterance: OK, and the next one was on nine twenty-one for a hundred and twenty-five dollars, nine twenty-two for a hundred and twenty-five dollars, and nine twenty-three for a hundred and twenty-five dollars.

utterance: All right. So you said nine twenty, nine twenty-one, nine twenty-two, and nine twenty-three? each day for a hundred and twenty-five dollars?

utterance: Yes, that's correct.

utterance: All right, let's take a look here. All right. Yep, I do see each of those transactions here. All right. So. All right. So I do see them. Oh yeah. So that equals five hundred dollars. All right. and you do not. remember you did you didn't list the reason that you're disputing these transactions.

utterance: I don't. I didn't make. I don't remember making no hundred and twenty-five dollars every day for four days in a row. I don't have anything, I don't I can't think of any subscriptions or any payments that I made. I I just. I don't remember doing it.

utterance: OK. I I completely understand. You know I'm sorry that this has happened but I'll be more than happy to, you know, submit this up for a dispute. So let me go ahead and explain what will happen at this point, OK?

utterance: OK, sure.

utterance: All right. So what we're gonna do, we gonna go ahead and and submit this for a dispute, all right? submit they'll be investigated. All right, the investigation can take up to thirty days. Now, in the meantime, what'll happen is, we'll freeze this we'll freeze this amount and we'll also freeze the the card that's linked to it, OK?

utterance: OK, yes. That's perfect.

utterance: All right. Now. So would you like me to send you out a new card?

utterance: Oh yes, that'd be great.

utterance: All right, Let's see here. So what I'm gonna need. just go ahead and verify your address for me, please.

utterance: All right, it's three five one two Snyder Avenue, Newark, New Jersey, zero seven one zero one but you had that already, didn't you?

utterance: I did. Yes, I I just needed you to verify it for me. All right. So that was three five one two Snyder Avenue, Newark, New Jersey, zero seven one zero one.

utterance: Yes, that's correct.

utterance: All right, perfect. So I'll go ahead and get another card ordered. It'll take about five to seven business days in order for you to receive that card but in the meantime, the account will still be active but the card that's associated with the account will not and the five hundred dollars will be on a freeze, all right? So It is not gonna go anywhere. We're not. We're gonna stop it but you're not gonna have access to those funds until the investigation is completed, OK?

utterance: OK, yeah. I understand.

utterance: All right, perfect. Now. So I went ahead and got that submitted. So I guess that it'd take within to thirty days but it you know it can take a lot less than that but once it's completed, what we'll do, we'll go ahead and get in contact with you and you know, let you know what's what's what's going on with the account. Now, I'm sure we have all the email and all the mobile numbers for you and home phone, which way would like to be contacted?

utterance: you could just send me an email.

utterance: All right, and the email that we have on file is I A M T H E W U N at Gmail dot com?

utterance: Yes, that's correct. I am the Wun. W U N at Gmail dot com, get it? I like that.

utterance: Yeah, that's pretty good. I like that too. W U N. That's your initials, correct?

utterance: Yeah, it sure is.

utterance: All right, that's clever. All right. So let's see here. All right. So I went ahead and. so here's what I've done, I've transferred the three hundred and fifty dollars out of your savings account and put it into your auto loan account, all right? Then I I just submitted it for investigation, those four charges of a hundred and twenty-five dollars each that happened on September the twenty-first through September the twenty-third, all right? so that will be investigated. Oh, I'm sorry. September twentieth through to twenty-third and was there anything else at all that I can do for you?

utterance: just one more thing. is there any way that I can access this online as opposed, or on my phone, have to calling in all the time?

utterance: Absolutely. we we have both options available, actually three options, you can go online on your computer you can go on your mobile phone or you can actually call in. If you'd like I can send you information on all three options that you do have in order to set up both online banking and mobile banking as well as calling in. If you prefer, you can make changes to your account you know, make transfers between accounts, you can dispute charges.

utterance: yes, that'd be awesome, thank you.

utterance: All right, I'll go ahead and send that to the same email address that we have on file. All right. So, you should get that in the next fifteen twenty minutes and if you have any questions at all, please be free and just give us a call. We will be more than happy to assist you as you know, getting that set up.

utterance: Oh! That's perfect. Thank you so much.

utterance: Well, you are quite welcome. Was there anything else at all that I can get done for you today?

utterance: I really appreciate your time.

utterance: You are more than welcome and thank you for calling Intellibank, you have a great day, OK?

utterance: OK, thank you.

utterance: You're welcome, goodbye.


utterance: Hi, thank you for calling Intellibank. My name is Christy. How many I help you today?

utterance: Hi Christy. I'm on a business trip out of town and I was trying to find a branch near me.

utterance: OK sure I would be happy to help you out with that. May I have your name please?

utterance: Yes ma'am. My name is Mildred Pierce. P I E R C E and staying at the Plaza Hotel. Eighteen State Street. Topeka, Kansas. Have you ever been to Kansas before?

utterance: No actually I haven't. But I have a cousin that lives over there and he absolutely loves it. He's trying to get me to go out there next summer. I really hope I get a chance to go out there.

utterance: You should. It's beautiful.

utterance: Yes ma'am. He says the same exact thing. We're both from Georgia so I mean he says that it's beautiful, which I wouldn't have thought so with all the flat land and everything but I mean, the pictures he's sent me it's it's gorgeous and hopefully I'll get to go there. But OK.

utterance: I'm do have that address pulled up for you Mrs. Pierce and unfortunately I'm not seeing any branches within thirty miles of that location. Just to double-check, that address was one eight State Street in Topeka, Kansas. Was that correct?

utterance: Yeah.

utterance: Yes ma'am.

utterance: OK well again, I unfortunately do not see any locations within thirty miles of that location. Do you use online banking by chance? If not, I would be glad to help you set that up.

utterance: I do, but need to make a cash deposit. Can I do that at at an ATM?

utterance: Oh wow. Yes, absolutely you can. And you are in luck. I actually do see two of our ATMs that are pretty close to you.

utterance: will you hold just a minute? I have to get a pen and paper so I can write it down.

utterance: Sure. That's no problem whatsoever Mrs. Pierce. Just let me know when you're back and ready.

utterance: OK I'm sorry I made you wait. Will you give me the address please of the first ATM?

utterance: Absolutely. No problem. the first is going to be at nine zero three Apple Street. And that is of course Topeka, Kansas.

utterance: Thank you. let me read it back to you. Nine oh three Apple Street, Topeka, Kansas.

utterance: That is correct. And are you ready for the second address? OK the second will be at one five two Second Street also Topeka, Kansas.

utterance: Yes ma'am.

utterance: OK I've written down one fifty-two Second Street, Topeka, Kansas. Is that correct?

utterance: Yes ma'am it sure is. Now actually I do see that right across the street from the Plaza Hotel where you're staying there is a bank called Topeka Savings and Loan and they have an ATM there that you can use to make your deposit if you would like to do that since it's a little bit closer. But if you did use that ATM there would be a three dollar charge since they are out of network.

utterance: Let me think. OK. Thanks for your help.

utterance: OK. Not a problem Mrs. Pierce. Now again don't forget about the online banking and our address for that is WWW dot Intellibank dot com. I N T E L L I B A N K dot com. Is there anything else that I can help you with today Mrs. Pierce?

utterance: You've been very helpful Christy. I appreciate your help and I hope you have a great day.

utterance: Well thank you so much Mrs. Pierce. I hope you enjoy your business trip out there in Topeka. And again I do hope to get to visit there. But anyway, I do thank you for calling Intellibank. And again my name is Christy. have a wonderful day.


utterance: Thank you for calling Intellibank. This is Mary. How can I help you today?

utterance: Hi. This Peter Davis. I want to deposit a large amount of money and I don't know how to do it.

utterance: OK sir. let me see. So you are a. you already have an account with us?

utterance: Yes.

utterance: OK sir. So basically I can find a bank location for you to go in to visit a bank branch. Would you be interested in that?

utterance: Yeah but what are the opening hours there?

utterance: Most bank branches are open from nine to six, Monday through Friday, and eight to twelve on Saturdays.

utterance: OK. And where can I find the nearest bank that I can deposit?

utterance: OK.

utterance: Well sir. Let me get a little information from you and I will find the nearest location to you. OK. Mr. Davis. What is your street address? Are you are you in town where you're located or where you live? OK. go ahead and give me that information and I will pull something up for you.

utterance: What?

utterance: Yes.

utterance: That's one thousand Maryland Street. Austin.

utterance: OK. One thousand Maryland Austin. OK. It looks like there is a bank located at North Lamar and Research. Do you know where that is?

utterance: Yeah but I think that's too far to walk because it's very hot outside at the moment.

utterance: Yes sir. That is probably a little far but we only have one bank branch in Austin.

utterance: OK then. I will take the car. It's not a problem then.

utterance: OK. So. Yes. It's at the corner of Lamar and Research Boulevard. They're open. Like I said. They will be open Monday through Friday, nine to six. Saturdays, they're open till noon.

utterance: OK. And so I can walk in there and they can help me.

utterance: Yes. No problem. Just go in there. you will need your account number so they can credit the credit the cash. if it's a large sum they'll take it to the back room and they'll run it through a counting machine. And verify all the All the bills that you have.

utterance: OK. And then I have another question. I wanna have a traveler's card.

utterance: OK. A traveler's card. We have a couple of options. do you plan on spending a certain amount of money each month?

utterance: No no no. Just a traveler's card.

utterance: A the

utterance: Basic one. OK. So we have three options. We have one that's twenty-nine dollars a year. And it only gives out though. Unfortunately. One point per purchase. Per dollar purchase. And we have the second one that is fifty dollars a year that gives out one point five point per dollar purchase. And we have the Premium Platinum Plus. Costs two hundred a year, but the rewards are awesome. It pays out four times the dollar purchase.

utterance: the middle one.

utterance: OK. So the one for fifty dollars. The one and a half points. OK. So I can Would you like to fill out an application online with me or. OK. So let me get that information. Let's see. Peter Davis.

utterance: Yes please.

utterance: Correct.

utterance: Let's see. What is your date of birth Mr. Davis?

utterance: November four nineteen sixty-eight.

utterance: November fourth nineteen sixty-eight. Do you have your driver's license number handy?

utterance: Five zero zero two one four eight one.

utterance: Four zero zero two one four eight one. And I will need your full social security number. Do you have that handy?

utterance: That's eight one nine two two two zero zero.

utterance: OK. Eight one nine two two two zero zero. And let's go over your home address again. What is that sir?

utterance: That's one thousand Maryland Street. Austin, Texas.

utterance: Mhm.

utterance: Seven eight one two two.

utterance: OK. One thousand Maryland Street. Austin, Texas. Seven eight one two two.

utterance: Yes.

utterance: OK. are you gonna have an authorized purchaser on this account as well? An authorized user.

utterance: No. Only me.

utterance: OK. Only you. we also offer different photo options on it. Is there any football leagues. Soccer league. Anything that you would like to put on the cover of that?

utterance: The Texas Longhorns.

utterance: Awesome. Yay. Go horns. OK. So we'll get the Longhorns put on that. let's see what else we got on this application I need to fill out for you. I think that's about it. So let me get this through the system. Oh wait. I need to add your. What is your salary Mr. Davis? How much do you make per year?

utterance: seventy-five thousand.

utterance: OK. Seventy-five thousand. And who is your employer?

utterance: I'm self-employed.

utterance: Self-employed. OK. let's see. What phone number is the best phone number for you?

utterance: That's five one two four six seven zero one four three.

utterance: Five one two four six seven zero one four three?

utterance: Yes.

utterance: OK. Gimme one second. Lemme get this application wrapped up. how's your day going Mr. Davis?

utterance: Was good, but my leg is hurting.

utterance: Aww. I'm sorry to hear about that sir.

utterance: I'm

utterance: Getting old.

utterance: Aww. We all are getting old Mr. Davis. We all are getting old. OK. So let me get that application through and it is usually takes about one minute or so for approval or denial. And let's see what we got here. It should be coming through in just a minute. lemme put you on hold for just a moment Mr. Davis.

utterance: OK.

utterance: Oh. OK. Mr. Davis I'm back. And it looks like your application was approved. Yay. OK. Lemme see what the limit is on that card you'll be receiving. OK. It looks like twelve thousand dollars. and the interest rate on it is eight point five percent.

utterance: That's good.

utterance: That's OK.

utterance: So what we will we do is They'll usually send this card to you. Probably. You'll see it at your house between the next five to seven business days. you'll just need to activate it from your home number. Make sure it is your home number. Otherwise, it will not activate. And we. We really appreciate your business Mr. Davis. Is there anything else I can help you with today?

utterance: No. I'm good.

utterance: OK. Well thank you Mr. Davis for being a proud member of the Intellibank group. And If you have any problems call me back. My name is Mary.

utterance: OK. Thank you very much. Bye bye.

utterance: Thank you Mr. Davis. Goodbye.


utterance: Welcome to Intellibank. How may I assist you?

utterance: I want to make wire transfer.

utterance: OK. Good morning. May I have your name, please?

utterance: My name is Anne Small.

utterance: Can I address you as Anne?

utterance: Yes, please.

utterance: OK. May I have your date of birth?

utterance: June fifteen nineteen ninety-five.

utterance: If I can hear you clearly, you said June fifteen nineteen ninety.

utterance: Six.

utterance: June fifteen nineteen ninety-six.

utterance: Yes.

utterance: May I have your driver's license number?

utterance: OK.

utterance: Zero one.

utterance: Zero one.

utterance: Eight four.

utterance: Eight four.

utterance: A Q.

utterance: A Q.

utterance: Zero four.

utterance: Zero four.

utterance: B C.

utterance: B C.

utterance: C.

utterance: Yeah.

utterance: For confirmation please zero one.

utterance: Zero one.

utterance: Eight four.

utterance: Yeah.

utterance: A Q.

utterance: Yeah.

utterance: Zero four.

utterance: Zero five.

utterance: Zero five.

utterance: Yeah.

utterance: B C.

utterance: B C.

utterance: OK.

utterance: May I have your account number, ma'am?

utterance: OK.

utterance: Hundred.

utterance: One zero zero.

utterance: One seven.

utterance: One seven.

utterance: Eight four.

utterance: Eight four.

utterance: Zero five.

utterance: Zero five.

utterance: Nine.

utterance: Nine.

utterance: For confirmation, one zero zero.

utterance: One seven eight four zero five nine.

utterance: Yes.

utterance: OK.

utterance: Can you please hold while I verify your account?

utterance: OK.

utterance: With what I have here, I can see that you have five thousand three hundred and forty-one dollars on your account. I hope I'm right.

utterance: That's correct.

utterance: OK.

utterance: OK. Can I have your account you want to transfer to?

utterance: OK. Twenty-five.

utterance: Twenty-five.

utterance: One seven.

utterance: One seven.

utterance: Zero zero.

utterance: Zero zero.

utterance: Four eight.

utterance: Four eight.

utterance: Two one.

utterance: Two one.

utterance: Yes.

utterance: Two five.

utterance: One seven.

utterance: Zero zero four eight.

utterance: Two one.

utterance: Yes.

utterance: OK. How much are you willing to transfer?

utterance: that would be three thousand dollars.

utterance: Three thousand dollars. Is it an

utterance: Is it a domestic transfer or international dollar transfer?

utterance: A domestic transfer.

utterance: Domestic.

utterance: Yes.

utterance: OK. What can. Can I have the routing number, please?

utterance: OK.

utterance: Four eight.

utterance: Four eight.

utterance: One seven.

utterance: One seven.

utterance: Zero two.

utterance: Zero two.

utterance: Four eight one seven zero two eight five.

utterance: Eight five.

utterance: One.

utterance: One. Four eight.

utterance: One seven zero two eight five one.

utterance: Yes.

utterance: Thank you.

utterance: Can you please hold while I verify the account details?

utterance: OK.

utterance: OK. The account is a good one. I would like to inform you the process will start immediately and it would take like thirty minutes before the transfer will reflect on the other account.

utterance: OK.

utterance: I would like to suggest to you if you can get a mobile app for future transaction.

utterance: OK. I don't mind.

utterance: And how are you doing over there? How is the weather?

utterance: The weather is good.

utterance: It's .

utterance: Oh. The weather is kind of cold here but we are fine.

utterance: OK.

utterance: That's great.

utterance: Thank you for banking with us. You will get a notification immediately after your transaction.

utterance: OK.

utterance: So what do I do with the mobile transfer?

utterance: OK.

utterance: Whenever you get. You get the mobile app. You download from the your your mobile place app store.

utterance: Then you install. You register. A verification code will be sent to your mobile number for activation. Then you login and you will be able to make transfers, check your balance, close your account, request for a card and every other transactions to your mobile.

utterance: OK.

utterance: I hope I don't have

utterance: I hope I will not have to call the helpline again.

utterance: Yes. You wouldn't need to call the helpline whenever you have if whenever you have you app installed on your mobile phone.

utterance: Installing the app will mean not calling the helpline, right?

utterance: Yes.

utterance: OK. Thank you.

utterance: Will that be all for now?

utterance: Yes, please.

utterance: Thank you for calling Intellibank. Have a lovely day.

utterance: You're welcome.


utterance: Hello and thank you for calling Intellibank. My name is Chelsie. How may I help you?

utterance: Hello, I'm calling again today. I called you guys yesterday about my account being compromised.

utterance: OK. And, can I have your first and last name?

utterance: Lawrence Taylor.

utterance: OK, Mr. Taylor. And, can I have your date of birth?

utterance: January the thirteenth nineteen seventy-three.

utterance: OK, thank you. And, can I have your account number?

utterance: Yes. It's four five four three three two one.

utterance: And, for the security code, can I have your mother's maiden name, please?

utterance: Haynes.

utterance: OK. Thank you. I see that you did call us yesterday. I apologize for the inconvenience. Were you ever, were you ever able to look closely at the account?

utterance: No. I would just like to close the account, please.

utterance: OK, and can I have the account number that you'd like to close?

utterance: Yes, two oh five eight six seven three oh two.

utterance: OK. And, I'm sorry. I didn't catch that. Can you repeat it, please?

utterance: Two oh five eight six seven three oh two.

utterance: OK, thank you.

utterance: Hello, hello?

utterance: Yes?

utterance: Hello, can you hear me?

utterance: Yes, I can hear you.

utterance: The weather is really bad here. I cannot hear you.

utterance: OK. Can you hear me OK, now?

utterance: Yes. Is that thunder in your background or mine?

utterance: I believe it's in your background, sir. The weather is pretty nice here.

utterance: Oh, OK. I can hear you better now.

utterance: OK. And, back to closing the account. can I ask why you would like to close the account?

utterance: Yes. I believe that it has been hacked. I keep getting random withdrawals. I would like to take the money from that account and put it in a different account, please.

utterance: OK. and, which account would you like to transfer it to?

utterance: My savings.

utterance: OK. And, can I have the routing number for the account that will receive the funds?

utterance: Wait one second.

utterance: It is five five four three five seven four. Sorry for the wait.

utterance: OK. Thank you. And, can I have the bank account number you wish to use for the deposit?

utterance: Yes.

utterance: It's three five six six five three five.

utterance: OK. Give me one second to transfer that over and close the account for you.

utterance: OK. I do have that transfer complete. And I. And it will take twenty-four to forty-eight hours to show in your account. is there anything else that I can do for you?

utterance: Yes. Yes, there is one more thing I would like you to do for me I would like to know how much money is, you transferred from my savings?

utterance: OK, one second. so, when we closed the account, there was three hundred and fifty-seven dollars that we transferred over to your savings account. Is there anything else that I can do for you?

utterance: No, thank you. That'll be it.

utterance: OK. Well, thank you for calling Intellibank. My name is Chelsie. Have a great day.


utterance: Intellibank, this is Tiffany. How can I help you?

utterance: Yeah. Hey, Tiffany. This is John Smith.

utterance: Hello. How can I help you, John?

utterance: Yeah. I need to report my card. Lost or stolen.

utterance: Oh, that's not good. OK. Let me get my screen pulled up.

utterance: Oh

utterance: Wait, hold on a sec.

utterance: Sorry. I forgot to also ask you. Tiffany, right? Can you check my balance as well?

utterance: Yes. I can certainly help with that as well.

utterance: That'll be great.

utterance: Just let me get my screen pulled up here and then we can get the process started.

utterance: OK. So I just need first and last name and date of birth.

utterance: That's John Smith. One eighteen of eighty-seven.

utterance: OK. Can I please get your driver's license number?

utterance: Oh. That was lost in the with my card.

utterance: OK.

utterance: It looks like unfortunately, I won't be able to process your lost or stolen card report. cuz I need to have your ID number on that and I'm unfortunately also not able to check your balance of your account as I'll also need some form of ID what you can do is you can go in to your nearest branch and they would be happy to help you to fill up the form and be able to tell you what your account balance is. I can certainly give you the closest address if if you would like.

utterance: Yeah. I'm over here at eight oh nine Ocean Street, San Diego, California nine two zero six three.

utterance: OK. Give me one moment to find the nearest location. OK. It looks like the closest location to you is going to be at twelve thirteenth Hatcher Road.

utterance: Oh, I know where that is. Yeah. I was just checking my GPS. I'm only a five minute walk from there.

utterance: OK. Is there anything else I can help you with today?

utterance: Nope. You've been wonderful. Thank you.

utterance: OK. You have a good day now. Bye bye.


utterance: Thank you for calling Intellibank. This is Michelle. How can I help you?

utterance: Yeah, hello. This is John Smith.

utterance: Hi, John. How can I assist you today?

utterance: Yeah, I'd like to open up a bank account.

utterance: Perfect. I'd certainly be happy to help you. I just need to get some personal verifiable information to start the setup of the account. firstly, are you looking to open up a checking or a savings account or both?

utterance: I'd like to open up both.

utterance: OK. All right, got that set up here for you. Can I please get your first and last name?

utterance: Yeah, that's John Smith.

utterance: Date of birth?

utterance: Twelve eighteen of eighty-four.

utterance: Address?

utterance: Fifty-six eighty-six North White Street.

utterance: City, state, and ZIP?

utterance: I live in North San Diego. The ZIP is nine two oh eight three.

utterance: And is that California?

utterance: Yes, that's correct.

utterance: OK. then it looks like I also need a second form of identity. Can I please get your driver's license?

utterance: Oh, I just recently moved because, you know, I'm out of state I'll be getting my driver's license in the mail in like a week. Is there any way we can just? can we proceed forward with this cuz I don't currently have it on me?

utterance: Unfortunately, sir. I'm not able to continue the opening of the account without a driver's license number We do require two forms of ID to help prevent fraud.

utterance: OK, where's your nearest branch so when I get my ID , I can come in?

utterance: Oh, certainly. Yes. give me just a moment here to look that up based on the address provided. OK. It looks like the closest branch to your location is going to be at thirteen oh eight Summoner Road.

utterance: All right. I know where that is. How late are you guys open till?

utterance: we are open until five p.m. Monday through Friday.

utterance: OK. Are you open on the weekends?

utterance: Saturday, we are open from eight to noon and closed on Sundays.

utterance: OK, well thank you very much. I'll be stopping in to open an account.

utterance: OK. Anything else I can help you with today?

utterance: no, you've been very helpful. Thank you.

utterance: Perfect. Thank you, John. You have a great day now.

utterance: You too.

utterance: Bye bye.


utterance: Thank you for calling Intellibank. My name is Ashley. How may I help you today?

utterance: Hi Ashley I'm calling because I'd like to open an account.

utterance: OK I can definitely help you with that and who am I speaking with today?

utterance: Hailey Parker.

utterance: Thank you just one moment while I bring my system up here and I'll be happy to help.

utterance: Great. How has your day been so far?

utterance: Oh it's been pretty good. Quite a quite a busy day. Lot of people choosing to do their banking today I know that we get that a lot around the holidays so. it's been pretty busy but I can't complain. It's making the day go by quick and looking forward to coming home and seeing my kids, so. Been good.

utterance: The best part of the day. No matter how crazy you feel they make you feel a different kind of crazy.

utterance: that is very true. All right so it's coming up here and.

utterance: You know I, I saw an ad on TV about the travelers card that you all have. I think it's amazing all the perks that you get with it and I love to travel. So it'll definitely be beneficial for me. but you know, first I wanna open an account with you guys.

utterance: Oh absolutely.

utterance: A bit later.

utterance: If you could tell me more.

utterance: Oh yeah sure. That's not a problem at all. we'll definitely go over that but yeah, let let's get this account open here and then you know, once you get that open then you get all the, the goodies that come with it. All right, so in order to open the account I just need to gather some information from you. so I know you told me your name was Hailey Parker. Is that spelled H A I L E Y and then Parker P A R K E R?

utterance: Yes ma'am.

utterance: All righty and your date of birth please.

utterance: My date of birth is four fifteen eighty-nine. And my social is five nine two seven seven nine nine eight eight.

utterance: Perfect and what type of bank account will you be opening today?

utterance: Checking.

utterance: Checking. OK. All right so we do encourage all of our clients we actually really kind of, kind of require just for extra security is to have some security questions on the file that we can ask you each time you call. most people choose first pet and mother's maiden name. do those sound good to you or did you want other type of security questions?

utterance: Oh no those are great. I can't forget those.

utterance: OK.

utterance: OK all right and what is your first pet's name?

utterance: Jenkins. And that's J E N K I N S.

utterance: Thank you, and your mother's maiden name?

utterance: Ruggers and that one is R U G G E R S.

utterance: Perfect. All right so we got all that set up there so when you do call we will verify all the information. All the information I asked you for we'll verify that each time you call in just for extra security. all right so our simple checking savings account that we have there's no fees. There's no fees to withdraw funds. There's no fees to transfer funds in between accounts, in between your accounts. there's no like minimum that you need to have in there that's required. the only thing we're require is that when you open the account to have at least fifty dollars to open the account with. You can put more if you'd like but the fifty dollars is the least to open one. does that sound like something you can that you can do?

utterance: Absolutely yes ma'am.

utterance: OK All right so, once you're ready to officially open that account you can just go to one of our branches and deposit however much you want and that'll go ahead and open the account. And at some locations they can go ahead and give you a checkbook right there and a temporary debt card with that account. but some some banks branches might not have that and they'll send it to you in the mail. At that point they'll get your address from you while you're there. now we do have online banking service that makes it quite easy to get things done. there's two choices. You can either go to Intellibank dot com or use the Intellibank app. You create a username and password it's gonna ask you for the same kind of information that I asked you. To open the account and then you'll need the bank information. So you'll have to wait until you get your bank account routing number but once you have that you'll be able to take advantage of all the services that we have and also be able to find a branch nearest you as well.

utterance: Oh oh OK great.

utterance: All right and before we end the call here do you have any other questions for me today?

utterance: I think that'll be all.

utterance: OK that's fine. All right well again don't forget about the online account to find the branch nearest you. You can also Google Intellibank near you and that'll probably bring up the same. and then you'll be good to go. We'll have you an account open and then oh, the traveler's card you were talking about. so once that's open once your account has opened for at least a month, then you'll be able to apply for the traveler's card. That comes with a lot of perks. There's a lot of cashbacks incentives that are there for certain purchase purchases that you make. so it's it's a really good card to have especially around the holidays and especially if you travel you know a couple of times a year it's a good thing to have. And there is more information about that on our website as well.

utterance: OK well I'm so sorry. I almost forgot about it.

utterance: OK all right is there anything else that I can assist you today Ms. Parker?

utterance: No ma'am you've been such a big help thank you so much.

utterance: You're welcome and thank you for calling Intellibank. You enjoy the rest of your day.

utterance: You too thank you.

utterance: Thank you bye bye.


utterance: Thank you for calling Intellibank. My name is Dante. How can I help you?

utterance: yeah I'm calling in. I have recently moved and I need to go. Got a check in the mail and I need to go cash it.

utterance: deposit it in my account. I was just wondering if you could help me find a actual branch that I could go into.

utterance: Yes I'd be more than happy to assist you with locating a branch near you today.

utterance: first what I need to do is go ahead and verify some of your information, is that OK?

utterance: yes, that's fine.

utterance: Perfect. let's start with can I get your full name please and your date of birth?

utterance: Yeah it's Will Nelson. Date of birth ten nine nineteen ninety-two.

utterance: Thank you very much for that information. All right. And Let's see here. in order to access your account could I go ahead and get your mothers maiden name please?

utterance: Yeah it's Louis.

utterance: Thank you.

utterance: All right. And where exactly are you located Mr. Nelson?

utterance: well right now I'm in Newark, New Jersey.

utterance: OK. let's see here. all right let me pull up Newark. do you have a cross street or exact location of where you're at?

utterance: Well yeah. My home address is three five one two Snyder Avenue.

utterance: OK Perfect. Let's take a look here.

utterance: All right, so. give me a moment. I'm gonna put this information in and I'll see the closest branch that we have that you can walk into, OK?

utterance: OK. That'd be perfect. Thank you.

utterance: You're welcome.

utterance: How's the weather where you're at?

utterance: It's fine. Little chilly today, but not too bad.

utterance: Oh, yeah. It's cold here. Make you wanna pucker up when you walk outside.

utterance: I understand that. It's not too bad here. It's still in sixties, low seventies. Supposed to be for a few more weeks before the cold comes.

utterance: Oh, yeah.

utterance: Well it stays cold here almost year round, I'm telling ya.

utterance: I understand. All right, now here's what I found. so your saying you wanna cash a check so you wanna full branch. I do show one and located on Second Avenue. looks like it's about two and a half miles from your location. I also have one in the downtown area on Fifteenth Street.

utterance: The south . It's one two four South Fifteenth Street. And they also have where you walk in and and deposit.

utterance: your check.

utterance: And let's see here. It looks like there hours of operation at both locations are Monday through Friday from nine a.m. till five p.m.. And then the one located downtown is open on Saturdays from eight a.m. until noon.

utterance: Oh well that's perfect. Thank you so much.

utterance: Well you are quite welcome.

utterance: Let's see here. Now did you have any other questions that I could help you with today?

utterance: well yeah. Can you go ahead and just tell me what my balance is on my checking account?

utterance: Sure, I'd be more than happy to assist you with that information. What's your checking account number?

utterance: Oh. Give me one moment while I go find it, OK?

utterance: OK, thank you.

utterance: I'm sorry. I know I got it here somewhere but give me a few more minutes.

utterance: You're fine. Take your time.

utterance: Oh. Here it is. OK. It's three are you listening?

utterance: Yes, I'm still here.

utterance: All right. It's three nine, five seven, two two, seven nine, four seven.

utterance: Thank you very much.

utterance: Oh, I'm sorry that's wrong. It's three nine five seven two five seven nine four seven.

utterance: Oh, thank you. You said that's three nine five seven two five seven nine four seven.

utterance: Yes, that's correct.

utterance: OK, let's see here.

utterance: all right, so. looking at your account ending in seven nine four seven it looks like that you have a balance of three hundred sixteen dollars and ninety-two cents.

utterance: OK. Three hundred sixteen dollars and ninety-two cents?

utterance: Yes, that is correct.

utterance: OK. Thank you very much.

utterance: now Mr. Nelson have you ever considered online banking? Or mobile banking? I see that you have not signed up for either one of those services.

utterance: Well no. I you know. I just don't know how to do all that. I.

utterance: Ain't got the time for it.

utterance: Well I'll tell you what. I do show that we have an email address on file for you. If you would like, what I could do is go ahead and send you some information over on how to sign up for it. and all the and then you can do like find branch locations look at your account balance. find ATMs near you. and it'll. It'll When I send it to you, there will be a link. And when you click on the link it'll actually. If you're on your phone, it'll take you to the app store so you can download the app or if you're on your computer it'll take you to a direct link to the webpage.

utterance: And then it'll walk you through a step by step on how to sign up for the services. And again explore on all the services that are available to you.

utterance: And with that, the nice thing about it is, you don't have to worry about the hours of operation. And we also have a mobile check deposit. Where you can just take a picture of your check and then deposit it into your account where you don't have to go into a branch.

utterance: Oh, well that'd be awesome.

utterance: Yeah, can you go ahead and send me that? And the first chance I get I'll go ahead and try to sign up for it.

utterance: Absolutely. Now, the email address that I have on file is I A M T H E W U N at Gmail dot com?

utterance: Yes that's correct. I am the Wun. W U N at Gmail dot com. get it? W U N. My initial.

utterance: Yep. That's pretty good. W U N. I like that. Pretty creative. All right. So I went ahead and sent the email. You should receive it here in about fifteen to twenty minutes. and when you get a chance, you know go ahead and click on the link and you know, it'll walk you through step by step. If you have any questions whatsoever feel free to just go ahead and give us a call, and we'll be more than happy to answer any questions you may have. Or you know, assist you in any way we can.

utterance: All right. Well that's perfect. Thank you so much, Dante.

utterance: Oh you are more than welcome, Mr. Nelson and thank you for calling Intellibank. And you have a great day OK?

utterance: OK. Thanks, you too.


utterance: Thank you for calling Intellibank. My name is Ashley, how may I help you today?

utterance: Hi. Yes, ma'am. I'm calling because I'd like to open an account.

utterance: OK. I can certainly help you with that. It'd be my pleasure.

utterance: just give me one moment here and I'll pull up my systems and get started. OK?

utterance: All righty.

utterance: just curious how did you hear about our services? Our bank?

utterance: actually my fiance has an account with you guys so I figured I'd go ahead and open an account and then later on when we got married we can open an account together.

utterance: Oh OK. Awesome. That's sounds great. Well, welcome to the team. I'll be happy to to get you on board. so I just need to gather some information from you.

utterance: first, let's start out with your first and last name and your date of birth please.

utterance: OK. My name is Haley Parker and my birthday is April fifteenth nineteen eighty-nine.

utterance: Perfect. And, what is your social please?

utterance: It is five nine two seven seven nine nine eight eight. And, just in case, I have my phone number for you. It's three one five four four four two two three seven.

utterance: Perfect. Thank you very much. I was going to ask for that so that worked out. And, what type of bank account are you looking to open up? A checking or a savings?

utterance: for now, just a checking.

utterance: OK. Perfect. All right. And, just so we have some extra security on the account I'd like to do two security questions for you.

utterance: Most people choose this. If you wanna do something else just let me know. but we're gonna gather the first pet and the mother's maiden name. Is that OK with you?

utterance: Yes, ma'am.

utterance: OK. All right. So, what what was your first pet?

utterance: Jenkins.

utterance: And, that is spelled J E N K I N S.

utterance: OK. And, you mother's maiden name?

utterance: Ruggers.

utterance: R U G G E R S.

utterance: Thank you.

utterance: All right. So, we offer our Simple Checking savings account. no monthly fees, no fees for internal transfers no fees for withdrawals from out ATMs and it only costs fifty dollars to open the account.

utterance: you can go to one of our branches and pay with cash or a cashier's check, or a money order. It doesn't have to be fifty. It can be more than that but it has so be at least fifty to open up the account and I would like to go ahead and tell you about our online banking service because that is really convenient and a lot of our customers really enjoy using that.

utterance: so you can go online to Intellibank dot com or download the app.

utterance: The Intellibank app. You create a user name and password. They'll ask you for the same kind of personal information that I asked you and you'll need to have the banking information. So, you can't create it until you get your checkbook with your bank account and routing number or your debit card number.

utterance: Now you said that your fiance has an account with us?

utterance: He does.

utterance: OK. All right. So the good thing about that. Like I said, there's no fees with internal transfers so if you guys wanted to transfer money. To each other for for any reason. For bills, you know, major purchases or just because anything like that. you can actually either call us to make that transfer.

utterance: You would just need to make sure you have his routing number and bank account number.

utterance: or you can also do it through your phone as well. And, then once you get once you get married if you guys want a joint account, all you would need to do, is just one of you would need to cancel an account. One of your guy's accounts. And then, you would just add your name. Like he can cancel his and then he can add his name to yours.

utterance: Or vice versa. However you want to do it.

utterance: OK. if we wanted to keep our own personal accounts could we still open a joint account?

utterance: Yes. Yes, absolutely. so that would require you guys going into the branch together.

utterance: because you do need to sign some forms when you're doing a joint account and also show proof of marriage. So, you'll need to bring in your marriage certificate. it's just for security measures and protocol that we have for opening joint accounts. And, yeah. It should be it should be done. They can probably do it in about thirty minutes if it's not busy. So, it's a really easy process.

utterance: OK. Sounds simple enough.

utterance: Oh yeah. all right. So, we look forward to having you as a customer. You're all set up in here, we just you just need to make your first deposit.

utterance: And then, you'll go and you'll be sent or given, depending on what branch you're going to your bank account and routing number with your checkbook.

utterance: OK.

utterance: OK. All right. Is there anything else that I can assist you today, Miss Parker?

utterance: I think that'll be it. You've been very helpful. Thank you so much.

utterance: All right. You're very welcome and you enjoy the rest of your day.

utterance: You too.

utterance: Thank you. Bye bye.

utterance: Bye bye.