Caixa Técnico Bancário Novo Practice Questions - Caixa Econômica Federal - Técnico Bancário Novo (TBN) Exam

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An employee opt-in to the FGTS 'Saque-Aniversário' (Birthday Withdrawal) modality under Law 13.932/2019. If this employee is subsequently dismissed without just cause (demissão sem justa causa), what are the legal consequences regarding FGTS withdrawal rights?

The worker can withdraw the full balance of the FGTS account as well as the 40% constitutional compensatory fine. The worker can withdraw only the 40% compensatory termination fine; the remaining principal balance remains locked in the FGTS account, subject to yearly anniversary withdrawals. The worker loses all rights to the 40% fine and can only access funds through retirement. The worker automatically reverts to the Saque-Rescisão regime with immediate full account liquidation.

Correct Answer:

The worker can withdraw only the 40% compensatory termination fine; the remaining principal balance remains locked in the FGTS account, subject to yearly anniversary withdrawals.

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