Teller Job Description

SUMMARY
Responsible for handling customer transactions at banks, including taking deposits, disbursing cash,
opening accounts, and investigating fees.
PRIMARY RESPONSIBILITIES

Process routine account transactions.

Open accounts, including savings and checking.

Help customers fill out deposit and withdrawal slips.

Use adding machine.

Disburse money to customers.

Validate the deposit slip and stamp it by machine.

Check for photo identification.

Assist customers at the drive-through window.

Greet people warmly and direct them to appropriate bank personnel.

Handle loan payments and cash checks.

Sell travelers checks and money orders.

Collect loan and utility payments.

Promote bank products.

Record all transactions.

Report suspicious activity to police.

Exchange foreign currency.

Count cash at beginning and end of shift.

Balance currency, cash and checks in cash drawer at end of each shift.

What Is the Responsibility of a Bank Teller?

Your job responsibilities as a bank teller may vary depending on the bank you work for and how long you
have been working as a teller. Because you may be the first person customers see when they enter a bank,
having strong communication and customer service abilities can help you succeed as a bank teller
Process Transactions
Bank tellers process customer transactions. For example, they cash checks and money orders, process
deposits into customer accounts and order checks for customers. They also are responsible for checking
customers' identification to verify that customers are who they say they are, and that they have authority
to access certain accounts.
Answer Inquiries
When customers telephone banks, tellers may be responsible for researching customers account
information and providing answers to their questions. For example, bank tellers generally let customers
know their account balances, and when recently deposited checks and money orders will clear their
account for withdrawal. At some banks, tellers may also answer customers questions about different
types of accounts available at the bank.
Supervise Staff
If they work as head tellers, bank tellers supervise other workers. For example, they might set work
schedules, train new tellers and approve tellers' vacation requests. Additionally, should customers have
complaints about a banks services or the processing of a transaction, head tellers might work with
customers to resolve the issues.
Balance Teller Drawer
At the end of the business day, tellers count money in their drawers and ensure that the money balances
against money they started the day with and transactions they processed for customers during the day. If
their drawers do not balance, tellers may work overtime re-calculating transactions and the cash in their
drawers until their drawers balance.
Considerations
Employers generally require bank tellers to have at least a high school diploma, according to the U.S.
Department of Labors Bureau of Labor Statistics. The BLS also reports that the median annual wage
bank tellers earned as of May 2011 was $24,590. Furthermore, bank teller jobs are expected to grow by
approximately 1 percent from 2010 through 2020. Part of the lack of growth may be because more banks
are using automated teller machines and more customers are conducting their banking online.

Bank Teller Job Description

Bank Teller Job Responsibilities:

Serves customers by completing account transactions.

Bank Teller Job Duties:

Provides account services to customers by receiving deposits and loan payments; cashing checks;
issuing savings withdrawals; recording night and mail deposits; selling cashier's checks, traveler's
checks, and series e bonds; answering questions in person or on telephone; referring to other bank
services.

Records transactions by logging cashier's checks, traveler's checks, and other special services;
preparing currency transaction reports.

Cross-sells bank products by answering inquiries; informing customers of new services and
product promotions; ascertaining customers' needs; directing customers to a branch
representative.

Completes special requests by closing accounts; taking orders for checks; opening and closing
christmas and vacation clubs; exchanging foreign currencies; providing special statements,
copies, and referrals; completing safe-deposit box procedures.

Reconciles cash drawer by proving cash transactions; counting and packaging currency and
coins; reconciling loan coupons and other transactions; turning in excess cash and mutilated
currency to head teller; maintaining supply of cash and currency.

Complies with bank operations and security procedures by participating in all dual-control
functions; maintaining customer traffic surveys; auditing other tellers' currency; assisting in
certification of proof.

Maintains customer confidence and protects bank operations by keeping information confidential.

Contributes to team effort by accomplishing related results as needed.

Bank Teller Skills and Qualifications:

Customer Service, Attention to Detail, General Math Skills, Verbal Communication, Integrity, Selling to
Customer Needs, People Skills, Financial Skills, Financial Software, Thoroughness, Documentation
Skills

Job Duties and Tasks for: "Teller"

1) Balance currency, coin, and checks in cash drawers at ends of shifts, and calculate daily transactions
using computers, calculators, or adding machines.
2) Cash checks and pay out money after verifying that signatures are correct, that written and numerical
amounts agree, and that accounts have sufficient funds.
3) Receive checks and cash for deposit, verify amounts, and check accuracy of deposit slips.
4) Examine checks for endorsements and to verify other information such as dates, bank names,
identification of the persons receiving payments and the legality of the documents.
5) Enter customers' transactions into computers in order to record transactions and issue computergenerated receipts.
6) Count currency, coins, and checks received, by hand or using currency-counting machine, in order to
prepare them for deposit or shipment to branch banks or the Federal Reserve Bank.

Bank Teller Job Description

The sample bank teller job description outlines the typical tasks, responsibilities and requirements for a
bank teller job.
Bank tellers hold the frontline job in a bank as they are the employees that customers generally see and
interact with first. It is a key banking position and experienced bank cashiers or tellers are in high
demand.
This job description can easily be adapted for your specific banking job.
General Purpose
Accurately and efficiently process and record routine transactions for bank customers including cashing
checks, accepting deposits and withdrawals, processing loan payments and money transfers. Promote and
advise on the bank's products and services.

Main Job Tasks and Responsibilities

receive and count working cash at beginning of shift

identify customers, validate and cash checks

accept cash and checks for deposit and check accuracy of deposit slip

process cash withdrawals

perform specialized tasks such as preparing cashier's checks, personal money orders, issuing
traveler's checks and exchanging foreign currency

perform services for customers such as ordering bank cards and checks

receive and verify loan payments, mortgage payments and utility bill payments

record all transactions promptly, accurately and in compliance with bank procedures

balance currency, cash and checks in cash drawer at end of each shift

answer inquiries regarding checking and savings accounts and other bank related products

attempt to resolve issues and problems with customer's accounts

initiate and open new accounts

explain, advise on and promote bank products and services to customers

identify referral opportunities and make relevant referrals

ensure compliance with all internal controls and established policies and procedures
Education and Experience

high school diploma or equivalent

some clerical, administrative, cash handling, sales or customer service experience preferred

knowledge of customer service principles

relevant computer skills

on-the-job training usually provided

Key Competencies

strong numerical ability

good listening and communication skills

customer service orientation

accuracy and attention to detail

time management

problem solving

honesty and integrity

teamwork

stress tolerance

JOB DESCRIPTION
Bank tellers are responsible for providing exceptional customer service including efficient and accurate
transaction processing.
Key Duties & Responsibilities
Accept retail and/or commercial deposits, loan payments, process checking and savings account
withdrawals.
Cash checks.
Maintain an adequate cash drawer at all times; this includes buying and selling currency from the vault
as necessary.
Balance cash drawer in accordance with Bank procedures and regulations including periodic batching of
cashed checks.
Process credit card cash advances.
Assist in ordering, receiving, verifying, and distributing cash.
Answer customer inquiries and refer customers to the proper service area for issues that cannot be
resolved at the teller line.
Providing additional products including Cashiers Checks, Personal Money Orders.
Assist customers in accessing safety deposit boxes.
May be responsible for bank opening and/or closing.
Maintains the highest level of confidentiality with all information obtained.
Promotes the banks products and services.
Represent the Bank in a manner that maintains and expands positive relations with all customers,
potential customers and co-workers.
Perform as a team member in allocating and coordinating the work flow. Contribute to the fulfillment
of department and company objectives and goals.
Comply with all department and company policies, procedures and regulations.
Bank Teller Job Description Example

A bank teller is a bank employee who deals directly with most customers.
In some countries, this employee is also known as a cashier.
Often times, teller jobs require cash handling experience with at least a high school diploma as
qualification to be hired.
Most banks will provide on the job training for their tellers.
Tellers are considered a front line or front office staff in the banking industry.
This is because they are the first contact a customer sees in the bank and are also the people most likely to
detect and abort fraudulent transactions in order to prevent losses to the bank where they work.
Bank teller job requires the tellers to be friendly and interactive with the customers, and also provide
them with information about customers accounts and bank services.
They are are mostly the first and at times only employees that customers have contact with in a bank.
They represent their bank in a good manner by smiling and being friendly with customers.
As a teller, you may need to strain some facial muscles on bad days in order to give a winning smile.
Tellers must also be able to take note of details when processing a transaction, and must have the
mathematical and customer service skills to perform the job effectively.
They wait on customers while depositing checks and cash into their accounts.
They are also responsible for providing current and savings account balance details to customers and cash
checks for them.
The tellers role in a bank also includes ordering checks for those who need them.
In the same vein, bank tellers check the authenticity of checks being deposited to protect the customers
and the bank.
They may also require that people should provide identification cards, or the last four digits of their
Social Security number (in the United States and Canada) to identify themselves before withdrawing from
their account.
Job Summary:
As a bank teller, you will be responsible for counting the cash in your register first thing in the morning
and you must later balance your account after recording all daily transactions.
This reconciliation routine includes comparing cash and checks with the transactions of the day.

Bank Teller Job Description Example

Here is an example of a bank tellers job description, consisting of a list of tasks, duties, and
responsibilities individuals working in that position is expected to perform by most employers.

Receive and count cash at the beginning and at the closing of shifts
Identify customers, validate, and cash checks
Receive cash and checks for slip deposit
Process cash and check withdrawals
Perform specialized tasks like preparing checks, personal money orders and exchanging foreign
currency
Verify and receive loan and utility bill payments, as well as mortgage payments
Record all transactions correctly and in compliance with bank guidelines
Balance cash and check transactions at the closing of each shift
Answer inquiries relating to current and savings accounts, as well as on other bank related
products
Open new accounts.