A bank teller performs the crucial role of handling cash. It’s a prime public dealing seat. The aim of the job should be customer satisfaction and smooth banking operations. A teller needs to conduct transactions and guide the customers about banking products. After giving a brief intro about the product and services, refer them to a customer service representative for further guidance. This will make the customers feel that they are valuable to the bank. And, the bank provides necessary and timely information to ensure the quality of services to its customers.

ESSENTIAL FUNCTIONS:

While sitting on a bank teller seat, you are not only receive checking, saving deposits or withdrawals. Be prepared to answer basic customer queries including – service charges, interest rates and account histories. You also need to comply with consumer privacy policies, disclosure requirements and regulations so that relevant and per norms you conduct customer enquiry.

As a teller handles a prime public dealing seat, you also get the opportunity to cross-sell products and services of the bank. Besides, your job has various other responsibilities attached to it:

• issue receipts of deposit
• verify cash & endorsements
• Examine deposited checks
• receive proper identification in case of cash back

BE CAUTIOUS

Determine proper funds available per bank and regulation requirements as it is vital per law. You also have to be aware of the procedure involved in handling counterfeit currency notes. If you think an issue cannot be resolved at a teller’s end due to professional constrains, confirm what best can be done. Then, refer the customer to relevant person or branch manager. If you suspect suspicious activity like counterfiet currency notes, report it there and then. Ensure that your drawer never exceeds the cash limits. Security of teller station is crucial in terms of combos, keys and cash drawers.

CASH HANDLING

A teller needs to know everything about:

• Cashier checks
• Certified checks
• Issue money orders
• Traveler’s checks.

PROPERTY TAX, TREASURY TAX, LOAN PAYMENTS

You need to be more careful than usual while handling property tax, treasury tax and Loan Payments

• Balance and update savings passbooks.
• Protect customer privacy and confidentiality.
• Loan payments: it is very important to verify the amount and then issue receipt of payment in case of loans.

REPORTS

Match the balance by end of the day, including periodic batching of checks. Maintain proper records of monetary instrument logs and keep currency transaction reports up-to-date.