Questões Concurso BANESE

#Questão 1020311 - Inglês, Interpretação de texto | Reading comprehension, INSTITUTO AOCP, 2022, BANESE, Desenvolvimento

What is the Difference Between Checking and Savings Accounts?

The main difference between checking and savings accounts is that checking accounts are primarily for accessing your money for daily use while savings accounts are primarily for saving money. Checking accounts are considered “transactional,” meaning that they allow you to access your money when and where you need it. While both allow you to access your money, you may consider it easier to do so with checking accounts. Since these accounts are designed to give you easy access to your cash, they often come with debit cards, checks, and even offer digital payment options. In contrast, savings accounts have a limit on the number of withdrawals you can make each month.

While checking accounts are convenient for daily cash needs, it’s important to remember that they may be age restricted. Most banks won’t allow people under the age of 18 to open a checking account without a parent or legal guardian as a co-owner of the account. Before opening a checking account, make sure that its terms fit your financial needs and your lifestyle.

When it comes to setting aside money for a longterm need or goal, you should consider a savings account. Savings accounts are designed to hold money over a long period of time to help you save for larger goals (rather than everyday purchases). As your money stays in the account, it will accrue interest and grow over time. This means that you will need to visit your bank, set up a transfer online, or make an ATM withdrawal to access your money.

Keeping some of your money in a savings account is a great way to set it aside for emergencies or large purchases – its limited access will keep you from spending it on day-to-day necessities. There are also dedicated savings accounts for kids, though a parent or guardian is usually required as a joint owner.

(Adapted from: https://www.santanderbank.com/personal/resources/checkingsavings/difference-between-checking

savings#:~:text=The%20main%20difference%20between%20check

ing,and%20where%20you%20need%20it)

Read the excerpt below and choose the only alternative with a plausible interpretation of its content:
“Savings accounts are designed to hold money over a long period of time to help you save for larger goals (rather than everyday purchases). As your money stays in the account, it will accrue interest and grow over time. This means that you will need to visit your bank, set up a transfer online, or make an ATM withdrawal to access your money.”

A) The efficacy of a savings account is contingent upon the users’ willingness to be more mindful when making their daily purchases using the account, since their larger life goals are at stake.

B) To use a savings account, users must prioritize life goals and restrict their everyday purchases to a minimum, except for when the accrued interest justifies superfluous spending.

C) Savings accounts are subject to more restrictions than checking accounts since they are less flexible on giving users access to their money, which means they are mostly aimed at the wealthy.

D) In order for users to access their money from a savings account, it is necessary for them to either go to the bank personally, set up a transfer online or make an ATM withdrawal.

E) To withdraw money from a savings account, users must agree to the condition that their money may stop accruing interest and growing over time for a short period.

#Questão 1039590 - Noções de Informática, Segurança da Informação, INSTITUTO AOCP, 2022, BANESE, Técnico Bancário III - Área de Informática - Suporte

A rede corporativa começou a apresentar lentidão. Os analistas da rede constataram que um tipo bem específico de software malicioso atingiu o ambiente através da rede corporativa, explorando vulnerabilidades encontradas em sistemas operacionais das estações de trabalho e consumindo recursos da rede. Além do que foi relatado, nenhum outro problema foi causado. Pela descrição desse software malicioso, a classificação mais adequada para ele seria

A) vírus.

B) cavalo de Troia.

C) worm.

D) spyware.

E) ransomware.

#Questão 1020312 - Inglês, Advérbios e conjunções | Adverbs and conjunctions, INSTITUTO AOCP, 2022, BANESE, Desenvolvimento

What is the Difference Between Checking and Savings Accounts?

The main difference between checking and savings accounts is that checking accounts are primarily for accessing your money for daily use while savings accounts are primarily for saving money. Checking accounts are considered “transactional,” meaning that they allow you to access your money when and where you need it. While both allow you to access your money, you may consider it easier to do so with checking accounts. Since these accounts are designed to give you easy access to your cash, they often come with debit cards, checks, and even offer digital payment options. In contrast, savings accounts have a limit on the number of withdrawals you can make each month.

While checking accounts are convenient for daily cash needs, it’s important to remember that they may be age restricted. Most banks won’t allow people under the age of 18 to open a checking account without a parent or legal guardian as a co-owner of the account. Before opening a checking account, make sure that its terms fit your financial needs and your lifestyle.

When it comes to setting aside money for a longterm need or goal, you should consider a savings account. Savings accounts are designed to hold money over a long period of time to help you save for larger goals (rather than everyday purchases). As your money stays in the account, it will accrue interest and grow over time. This means that you will need to visit your bank, set up a transfer online, or make an ATM withdrawal to access your money.

Keeping some of your money in a savings account is a great way to set it aside for emergencies or large purchases – its limited access will keep you from spending it on day-to-day necessities. There are also dedicated savings accounts for kids, though a parent or guardian is usually required as a joint owner.

(Adapted from: https://www.santanderbank.com/personal/resources/checkingsavings/difference-between-checking

savings#:~:text=The%20main%20difference%20between%20check

ing,and%20where%20you%20need%20it)

Pay close attention to the terms/idioms that are underlined in the five following sentences:
I. While both allow you to access your money, you may consider it easier to do so with checking accounts (1^st paragraph). II. In contrast, savings accounts have a limit on the number of withdrawals you can make each month (1^st paragraph). III. Most banks won’t allow people under the age of 18 to open a checking account without a parent or legal guardian as a co-owner of the account (2^nd paragraph). IV. When it comes to setting aside money for a long-term need or goal, you should consider a savings account (3^rd paragraph). V. There are also dedicated savings accounts for kids, though a parent or guardian is usually required as a joint owner (4^th paragraph).
Now, choose the alternative that classifies these terms correctly and matches them with an appropriate synonym.

A) In sentence I, the term “while” is used as a conjunction to connect two contrasting ideas and it could be replaced by “rather than” with no loss in meaning.

B) In sentence II, the idiom “in contrast” is being used to say that the following idea is very different from the previous one, and it could be replaced by “notwithstanding” with no loss in meaning.

C) In sentence III, the term “without” is used as a preposition and it could be replaced by “alongside” with no loss in meaning.

D) In sentence IV, the idiom “when it comes to” is being used to identify the topic that is being talked about, and it could be replaced by “regarding” with no loss in meaning.

E) In sentence V, the term “though” is used as a conjunction, and it could be replaced by “furthermore” with no loss in meaning.

#Questão 1020313 - Inglês, Interpretação de texto | Reading comprehension, INSTITUTO AOCP, 2022, BANESE, Desenvolvimento

What is the Difference Between Checking and Savings Accounts?

The main difference between checking and savings accounts is that checking accounts are primarily for accessing your money for daily use while savings accounts are primarily for saving money. Checking accounts are considered “transactional,” meaning that they allow you to access your money when and where you need it. While both allow you to access your money, you may consider it easier to do so with checking accounts. Since these accounts are designed to give you easy access to your cash, they often come with debit cards, checks, and even offer digital payment options. In contrast, savings accounts have a limit on the number of withdrawals you can make each month.

While checking accounts are convenient for daily cash needs, it’s important to remember that they may be age restricted. Most banks won’t allow people under the age of 18 to open a checking account without a parent or legal guardian as a co-owner of the account. Before opening a checking account, make sure that its terms fit your financial needs and your lifestyle.

When it comes to setting aside money for a longterm need or goal, you should consider a savings account. Savings accounts are designed to hold money over a long period of time to help you save for larger goals (rather than everyday purchases). As your money stays in the account, it will accrue interest and grow over time. This means that you will need to visit your bank, set up a transfer online, or make an ATM withdrawal to access your money.

Keeping some of your money in a savings account is a great way to set it aside for emergencies or large purchases – its limited access will keep you from spending it on day-to-day necessities. There are also dedicated savings accounts for kids, though a parent or guardian is usually required as a joint owner.

(Adapted from: https://www.santanderbank.com/personal/resources/checkingsavings/difference-between-checking

savings#:~:text=The%20main%20difference%20between%20check

ing,and%20where%20you%20need%20it)

Choose the alternative that correctly describes the meaning of one of the following words which were taken from the text.

A) In the text, the word “cash” (1^st paragraph) is being used to refer to equivalent forms of money such as checks, vouchers, or debit cards, as opposed to using credit cards or digital payment options.

B) In the text, the word “parent” (2^nd paragraph) is being used to refer to a person who relates to a given user as a responsible companion in the absence of the father or mother.

C) In the text, the word “daily” (1^st paragraph) is being used to refer to something, usually a long task, which takes an entire day to be completed and thus can only be done once at a time.

D) In the text, the word “withdrawals” (1^st paragraph) is being used to refer to the act of taking out money from a bank account with the intention of returning it in the near future.

E) In the text, the word “interest” (3^rd paragraph) is being used to refer to the sum of money that a person earns as a percentage of their own deposit in their bank account.

#Questão 1039735 - Modelagem de Processos de Negócio (BPM), Etapas, INSTITUTO AOCP, 2022, BANESE, Desenvolvimento

Antônio foi recém-contratado por uma empresa para criar um sistema de gestão eletrônica de documentos. Em relação às etapas que deverão ser realizadas por ele, assinale a alternativa correta.

A) Após a etapa de digitalização dos documentos, Antônio poderá descartar a versão em suporte papel, desde que seja preenchida a lista de descarte de documentos.

B) Antônio não precisa se preocupar com a elaboração da tabela de classificação, pois essa é uma atividade que não precede a gestão eletrônica dos documentos.

C) Antônio deverá buscar operações que garantam o acesso e a preservação da informação, preocupando-se apenas com o agora, uma vez que ele não conseguirá prever situações a médio e longo prazo.

D) Antônio deverá conhecer a estrutura da empresa e sua massa documental antes de iniciar o projeto de gestão eletrônica dos documentos.

E) O GED é uma tecnologia que engloba tecnologia de digitalização, processamento, arquivamento, recuperação de documentos, entre outros, fazendo tudo isso sozinha.

Questões Concurso BANESE

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