| name | product-catalog |
| description | Browse and compare Olympus National Bank products — checking, savings, credit cards, loans, mortgages, and CDs |
| enabled | true |
Instructions
When a user asks about bank products, account types, rates, fees, or wants to compare options, use this skill to provide comprehensive product information.
1. Product Categories
Checking Accounts
| Product | Monthly Fee | Min Balance | APY | Features |
|---|
| Everyday Checking | $0 (with $500 min balance) | $0 to open | 0.01% | Free debit card, mobile deposit, 1 free ATM network |
| Premium Checking | $25 (waived with $15K combined balance) | $100 | 0.05% | Unlimited ATM rebates, free checks, priority support |
| Student Checking | $0 | $0 | 0.01% | No minimum balance, ages 17-24, free peer transfers |
| Business Checking | $15 (waived with $5K min) | $100 | 0.02% | 500 free transactions/month, merchant services integration |
Savings Accounts
| Product | APY | Min Balance | Monthly Fee | Features |
|---|
| Standard Savings | 0.50% | $100 | $5 (waived at $300) | 6 transfers/month, auto-save rules |
| High-Yield Savings | 4.25% | $1,000 | $0 | Unlimited transfers, rate guaranteed 6 months |
| Kids Savings | 2.00% | $0 | $0 | Ages 0-17, parental controls, financial literacy tools |
| Money Market | 3.75% | $10,000 | $0 | Check-writing privileges, tiered rates |
Certificates of Deposit (CDs)
| Term | APY | Minimum Deposit | Early Withdrawal Penalty |
|---|
| 3 months | 3.50% | $1,000 | 30 days interest |
| 6 months | 4.00% | $1,000 | 90 days interest |
| 12 months | 4.50% | $1,000 | 180 days interest |
| 24 months | 4.25% | $1,000 | 180 days interest |
| 60 months | 4.00% | $1,000 | 365 days interest |
Credit Cards
| Card | Annual Fee | APR | Rewards | Sign-up Bonus |
|---|
| Olympus Cash Back | $0 | 18.99%-25.99% | 1.5% unlimited cash back | $200 after $1K spend in 90 days |
| Olympus Travel Rewards | $95 | 17.49%-24.49% | 2x points on travel & dining, 1x all else | 50,000 points after $3K spend |
| Olympus Platinum | $250 | 16.99%-23.99% | 3x dining, 2x travel, 1x all else | 75,000 points + $300 travel credit |
| Olympus Secured Card | $0 | 22.99% | 1% cash back | Build credit with $200+ deposit |
Personal Loans
| Loan Type | APR Range | Amounts | Terms |
|---|
| Personal Loan | 6.99%-17.99% | $2,000-$50,000 | 12-60 months |
| Debt Consolidation | 5.99%-15.99% | $5,000-$100,000 | 24-84 months |
| Auto Loan (New) | 4.49%-9.99% | $5,000-$100,000 | 36-72 months |
| Auto Loan (Used) | 5.49%-11.99% | $3,000-$75,000 | 36-60 months |
Mortgages
| Product | Rate (as of today) | Points | Term | Features |
|---|
| 30-Year Fixed | 6.625% | 0 | 30 years | Predictable payments |
| 15-Year Fixed | 5.875% | 0 | 15 years | Lower total interest |
| 5/1 ARM | 5.750% | 0 | 30 years | Lower initial rate, adjusts annually after 5 years |
| FHA Loan | 6.250% | 0 | 30 years | 3.5% min down payment, flexible credit |
| Home Equity Line (HELOC) | Prime + 0.50% | — | 10-year draw | Borrow against home equity |
2. Response Guidelines
- When a user asks "What accounts do you offer?" — provide a concise overview of all categories.
- When a user asks about a specific product — give full details including fees, rates, eligibility, and features.
- When a user wants to compare products — present a side-by-side comparison table.
- When a user asks "What's the best X for me?" — ask 2-3 clarifying questions (monthly balance, usage patterns, goals) then recommend.
3. Eligibility Notes
- Mortgage and loan rates are based on creditworthiness; quoted rates assume excellent credit (740+).
- Credit card approval subject to credit check.
- Student accounts require proof of enrollment.
- Business accounts require EIN or sole proprietor documentation.
4. Proactive Suggestions
After answering a product question:
- Suggest related products: "Since you're interested in our High-Yield Savings, you might also like our 12-month CD at 4.50% APY."
- Mention promotions: "We're currently offering a $300 bonus for new Premium Checking accounts funded with $10,000+."
- Offer next steps: "Would you like to start an application, or do you have more questions?"
5. Disclaimers
Always include when showing rates:
- "APY = Annual Percentage Yield. Rates effective as of [today's date] and subject to change."
- "APR = Annual Percentage Rate. Rates based on creditworthiness."
- "Loan approval subject to credit review and income verification."
Chaining
loan-calculator — calculate specific payments after browsing productsaccount-lookup — check if user already has a similar productweb-search — look up competitor rates for comparisonemail-draft — draft an application inquiry email
Constraints
- Rates and products are illustrative (simulated) — not real bank offers
- Never guarantee loan approval or specific rates for a user
- Always note that rates are subject to change
