How To Become A Bank Teller.

Introduction:
Why become a bank teller? Besides the on the job training, this entry level position, allows you to get
your foot in the door and start a career in banking.
If you've always wanted to work in banking or finance, but weren't sure if you had the right credentials,
I think you'll be surprised to know that becoming a bank teller is likely within your grasp.
There is one thing you need to do in order to be successful as a bank teller. It pains me to write this
as I know how many people pursue a career path only to be disappointed with the realities of the job.
The one thing you need to do first to be a successful bank teller is:
Know What The Job Entails and If Your Personality Is A Good Fit For It!

I've mentioned a few times that one of the most important bank teller responsibilities is being a
representative for the bank. You're representing the financial institution you work for each and every
time you interact with a customer.
Remember, you'll be talking to different people all day long, some happy, some less than that. If
meeting new people daily, small talk, and working with details or numbers sounds like an exciting
prospect, then being a bank teller could be the right job for you.
BUT if you think that you'd really struggle with the extroverted nature of the work then I would,
strongly, suggest reconsidering this career path.
So you've decided you like working with people, have the communication skills necessary, and are
willing to learn the rules and procedures of working in a bank?

Let's get going then...


************CHAPTER 1:*************


Understanding The Job: Following The Rules

We've all likely chatted with our local bank teller while making a deposit or withdrawal. Maybe you
even have a friendly relationship with your bank teller.
However, do you really understand what they have to do in a day to accomplish their job?
Besides customer experience bank tellers have a variety of job duties that require varying levels of
expertise, and most times, a high level of attention to detail.
Since financial institutions are regulated by various agencies, both government and private, they are
obligated to abide by those regulations and follow certain operating procedures.
When first starting your career as a bank teller you may not always understand why certain rules are
the way they are, but nevertheless, it's vital you follow the operating procedures for your bank.
If you're willing to learn and follow the operating procedures of your bank than half the battle is
already won. Banks are looking for tellers that can provide friendly, professional, and helpful service!
The only way to do that in a financial institution is to understand the rules so that you can better
serve your customers.
Often your bank will create promotions to attract or retain customers.
Part of your job as a teller is to help convey the benefits of those promotions to the customer. For
example say your bank was offering a $100 bonus for opening a new savings account if they don't
already have one. Your job as the teller would be to make the customer aware of the promotion and
the obvious benefit to them.
Selling as a teller is something that has to be done with tact. Hard sale techniques probably are not
going to work as well in this position as it could in others. For example you can't refuse to make a
deposit for a customer if they don't want to take part in a promotion. You could however explain that
if they open a savings account and deposit $100, the bank will put $100 into the account as well, so it
really is a win-win for them.

Being a teller isn't all about just counting money...

Bank Tellers wear many hats in a day, from book keeper, customer support, all the way to sales and
marketing.
So what else do Tellers Do?
You can read more about Bank Teller Responsibilities by Visiting
http://www.scribd.com/doc/125940410/understanding-bank-teller-duties-tips-for-success

*****************Chapter 2***********

Getting Down To The Details:
So on becomeabankteller.com there is a sample job summary and requirements from CITI bank.
These are shown only as an example. However, it does show quite clearly what is expected of you as
a bank teller. So let's take a look...
Tips For Success on Scribd http://www.scribd.com/doc/125940410 - Understanding Bank
Teller Duties
Here is an example of a typical job description for a bank teller at Citi Bank:
Position Summary:
The Teller delivers excellent client service and maximizes client solutions by identifying referral
opportunities for new products and services based on the customers financial goals while performing
efficient and accurate banking transactions.

Position Responsibilities:

Deliver outstanding client service by executing financial transactions in accordance with bank
policies and procedures while maintaining an acceptable record in daily drawer balancing.

Resolve account service issues and respond to client inquires promptly and effectively.

Adhere to operational controls, including legal, corporate, and regulatory procedures to ensure
the safety and security of customer and bank assets.

Drive efforts in the branch to identify and implement a positive overall client experience.

Deepen client relationships by effectively executing all services and referring bank products while
achieving goals through daily sales activities and branch sales promotions.

Proactively educate clients on utilizing available access channels (i.e. ATM, Online and
Telephone Banking).

Continuously learn new and existing products through sales aids (features, benefits, fees, etc.).

The information listed within this Description summary is intended to indicate the general nature
and level of work. It is not designed to contain or be interpreted as a comprehensive account of all the
responsibilities, and/or minimum qualifications required of an employee assigned to this position.

NOTE: You may be required to take a timed online assessment once you complete an online
profile. If you need to take the assessment, you will either be directed to do immediately or you will
receive an email with instructions on how to access the assessment within the next few days. Please
ensure that your email address is accurate on our system, and please note that the assessment
invitation may go into your spam folder rather than to your inbox. The assessment will require 45-60
minutes of uninterrupted time to complete.
Qualifications
Education: High school diploma, GED or equivalent relevant experience (12 months cumulative
work experience in a role of similar scope and responsibility) required.

Experience/Skills:

Sales, cashier or other money-handling experience desired

Client service orientation

Excellent verbal and written communication skills

Analytical and problem solving skills

Basic computer skills

Retail/sales experience preferred

Src. CitiBank

Furthermore, if you consider that the more time and effort you put into preparing for the interview,
and test, the more likely you are to succeed!

It sounds simple. Because it is. Chances are you will interview at several banks before being offered
a position as a teller. Don't let that deter you from pursuing this career path if that is what you want.

For most positions there is competition. You have to daily put yourself in the right position to be
hired. That means interviewing, talking to other people, sharing your goal of becoming a teller with
others.

This will help motivate and ensure that you stay on the right path.

**********************Chapter 3: Details of the test**************

Details Of The Test:

-The MATH Section. *que scary music now

-Verbal and Communication

-Work History

***************Chapter 4 - Disqualifying Factors***********

What Are Some Factors That Could Disqualify you from becoming a bank teller?
As you might have guessed, as a bank teller, you need to be someone that is dependable and above
all else, trustworthy. Not all disqualifying factors are attributed to indiscretion; others could be lack
of experience or education. The good news is that those can be fixed.

Disqualifying Factors:

Felony Conviction/Pending Charges

Some Misdemeanors (covered in next section)

History of Financial Indiscretion (large debt/poor spending habits)

Work Offenses That Involved Theft/Dishonesty

Inability to Pass Screening Test for Employment

Lack of Sales/Money Handling Experience

Poor Math and Communication Skills

Lack of Attention to Detail

Difficulty Following Directions/Protocol


**************Chapter 5 Can I Become A Bank Teller With A Misdemeanor? **********

If this chapter does not pertain to you, move on to the next chapter.


So How Serious Is It To Have A Bank Teller Misdemeanor And Get The Job?



Almost all of banking institutions have acquired a status of being very stringent in terms of hiring
employees. Bank Teller or Employee, doesnt exactly go well with a misdemeanor. Applicants are
required to undergo tests, verification of credit standing and criminal background checks. The
misdemeanor bank teller has no place in the banking industry. The application of an individual with a
conviction for any transgression may be denied immediately.

-The Definition of Misdemeanor

The misdemeanor refers to guilty verdict for minor offenses such as unruly conduct, theft, certain
forms of physical assault, and possession of illegal substances. Punishment usually consists of fines,
short jail sentence or probation. Banks are very particular with persons found guilty of such
wrongdoing due to the nature of its business. Bank tellers handle huge amounts of money so
employers are strict with regards to this concern of misdemeanor. In other words, bank teller jobs
require a spotless criminal record. So you see a bank teller misdemeanor can be something of an
obstacle to overcome, but surely, not one that is insurmountable.

Element of Trust

Trust is needed in this industry. Banks cannot risk the loss of money as a result of the dishonesty of
its employees. There are policies that said firms adhere to and a so-called Misdemeanor Guide which
states that numerous business organizations have been confronted with neglectful hiring and take into
service a person who causes harm to the company. The situation could have been prevented if proper
diligence was used during the hiring process. You cannot become a bank teller if you are an ex-
convict. This rule is aimed at maintaining the highest level of integrity to remain in the business and
obtain a lot of clients. There is no room for fraudulent personalities in any reputable financial entity in
the country.

How to Get a Job with Misdemeanor Records Bank Teller Misdemeanor

Aspiring tellers with this conviction still have the opportunity to find work in small banks. The key is to
be very candid about being a misdemeanor bank teller and secure recommendations from previous
employers, prominent professionals and colleagues. Bring with you past employment records that
contain positive testimonials and commendations. Explain carefully that the conviction did not have
anything to do with money matters. Highlight your strengths, good qualities and expertise to take the
focus out of the sentence. Another alternative is to wait until the offenses will not reflect in your
personal records anymore and this may take at least 10 years. The conviction will not appear when
this time lapses and you will find it easier to find gainful employment. This can be your last option to
finally become a bank teller.

http://www.becomeabankteller.com/can-you-have-a-misdemeanor-and-become-a-bank-teller/


*************Chapter 6 - Do You Have To Have Good Credit To Become A Bank
Teller?*********


Do you need to have good credit to be a bank teller?

Do you want to become a bank teller? Ambitious and young people have to go through a number of
steps and submit requirements before being eligible for employment as tellers. You have to possess
certain traits required by most employers. Banking facilities have distinct requirements when it comes
to personal qualifications but the standard prerequisites are almost the same. These include high
school diploma or the corresponding General Educational Development test; computer literacy;
minimum of six months experience in cash management; and, customer service knowledge.
It is also imperative to pass criminal background and finger printing checks a well as the traditional
drug tests. When you research further on how to become a bank teller, you will find out that banks will
never hire people who have doubtful integrity and lack of trustworthiness. Employers will never hire
individuals who show the propensity to misappropriate funds.

Value of Personal Credit Background

Tellers are entrusted huge amounts of money. These employees facilitate loans and mortgages as
well as take care of financial accounts. Thus, you can only become a bank teller only if you manage to
show a good credit rating. Your FICO score should at least be 620 and above. The FICO is a
credit rating which makes up a large component of the credit report that lending firms use in evaluating
credit risks of loan applicants. FICO means Fair Isaac Corporation which conceived this scoring
system.

The potential bank teller must not be involved in financial problems like hefty debts, insolvencies and
legal summons that are normally sent to debtors. However, security and reference checks made by
banking corporations usually take a lot of time. Hence, you can be considered for bank teller jobs and
be given a probationary status. Any negative feedback regarding credit standing may compel
employers to terminate the employment contract of these temporary tellers.
The bottom line is to take care of your credit records so you will not have any issues in case checks
are made in relation to this issue. The credit report includes information about credit history. It may
encompass the payment history, credit card balances and any adverse information like missed
payments on your cards. Banking institutions usually commission agencies to conduct these checks
so it pays off to be careful and prepare for these situations. You need to be prepared for any
eventuality if you want to become a bank teller.
http://www.becomeabankteller.com/do-you-need-to-have-good-credit-to-be-a-bank-teller/


***********Chapter 7 - Bank Teller Background Check - What You Need To Know*******


It is important to know how to become a bank teller. One of the prerequisites is the bank teller
background check. This can be quite intimidating for applicants who do not yet have any knowledge
of background investigations. Yet, this is a very important process so try to understand each and
every aspect of this system of verification.

Components of Background Checks
Criminal history is one segment of this method in checking personal history. This is important
if you want to become a bank teller. Searches for felonies and minor wrongdoing are possible
according to state, county or even the whole nation. It will require a certain fee.
Certain states can only give information for the previous seven years. Review the laws of
state governments regarding this aspect. Record of public information is available but juvenile data
cannot be obtained. Civil accounts are just like criminal records but pertain more to the fact if the job
candidate became a petitioner (plaintiff) or defendant (accused party). The National Crime
Information Center (NCIC) will always display wanted criminals. All these are important for
individuals who want to become a bank teller.
Credit reports are also important in background checks if companies want financial records
Bankruptcies earlier than seven years will not show. Social Security reports will disclose residences
of the candidate for the past seven years. Name discrepancies are utilized for the verification of
addresses. Employer verification is what most applicants are worried about. However, positive and
negative references along with previous salaries are not usually provided to avoid inaccurate or flawed
references form past employers. Again, this is a primary concern in bank teller jobs.

Drug tests may be required. Nearly 20 percent of background checks include tests on prohibited
substances. Companies usually commission local clinics to perform this test. However, this is normally
done on a case-to-case basis since drug tests are fairly expensive. Reference verification means that
employers get in touch with references provided by the job applicant regarding employment
performance.
Personal matters are not verified and only references mentioned in the resume are called. If you want
to become a bank teller, education is also validated. This form of background check will check on the
applicants school attendance, degree, certification and corresponding dates. This is meant to
prevent falsification of scholastic records which has been a rampant practice in the past. The key is
to be honest with your education to avoid problems with your employment.

The bank teller background check is pretty routine, and barring any felonies, or major financial issues,
most applicants should be able to pass this routine background check and screening.

http://www.becomeabankteller.com/bank-teller-background-checks-what-you-need-to-know/







***********Chapter 8 Education and Learning Vital For Bankers*************


The bank teller carries out complex tasks. That is why the bank teller training is frequently hard and
calls for sufficient awareness. You require a high school diploma or General Educational
Development (GED) evaluation results before you apply towards the position. Typically the
degree is not a necessity.
However, its an advantage if a person has finished a two-year associate program or a four-year
bachelors diploma. Suggested fields of specialty area consist of business, finance or arithmetic.
Bank teller education trains students to be very adept in percentages and calculations. Youll have to
have outstanding communication capabilities, comprehension of support service and marketing
techniques.


Short-Term Coaching and On-the-Job-Coaching for Bank Tellers

There are certainly colleges and universities that provide short-term training for bank tellers.
Successful students get a certification. You will learn about traditional bank procedure; present day
banking laws; and, projects and responsibilities of bank tellers. The syllabus is meant to reinforce the
students understanding in math and customer service.

Education to be a bank teller will also call for intensive on-the-job training. Future tellers are exposed
to computer applications as well as the use of check-processing technology. You are usually trained
on cash-counting, bank safety measures, auditing regulations, and various other methods in
conformity. The job training for bank tellers also will include things like payoff of savings investments,
issuance of travelers checks, taking coin orders, and special services. Bank Tellers are taught money
order system, utility and mortgage, or loan payments, and operations needed for safe deposit boxes.
The on the job training also goes over financial investments, business and personal mortgages and
additionally charge cards.


Continuing Education and Professional Betterment

After you become a bank teller, it can be vital to pursue continued higher education and training for
professional betterment. This really is a sure method for obtaining take home gains and attainable
opportunities for promotions through your organizations. You will find community colleges and
institutions that offer courses of instruction for bank tellers in line with degree programs.

The American Bankers Association will to offer the Certified Bank Teller designation for those
who manage to display competency, particularly, disciplines like sales and marketing. However, you
must consider the CBT written test, and obtain a no less than half a year working experience. Bank
tellers really should have as a minimum 6 hours of on-going studies to retain their qualifications level.

Folks that complete 4 year training can look for greater work like for example marketing and
advertising officer, consumer service associate, bank analyst and bank manager. Becoming a bank
teller promises to be a worthwhile role whenever you carry out the approved bank teller education.



http://www.becomeabankteller.com/education-and-learning-vital-for-bankers/




**********Chapter 9 Bank Teller Salaries**************


Bank Teller Salaries

Based on what country youre in, or even what state, the average salary for a bank teller can vary, but
you already know that! So lets do a quick breakdown of the average bank teller wages in the United
States by state. The U.S. Bureau of Labor Statistics offers some really great information on the
average salary of bank tellers. Below is a color coded map of the United States that represents the
mean annual bank teller wage for 2012.
src U.S. Bureau of Labor Statistics
So in looking over the chart you can see that in 2012 the mean annual bank teller wage spanned from
a low of $18,170 to a high of $29,910. Keep in mind that these are mean annual wages. Meaning that
these are averages, and the numbers can be higher or lower, wage is dependent on each individual
hiring situation. These are averages.


Bank Teller Wages

State By State Break Down

Highest Paid Bank Teller States by Mean Annual Wage The Annual Mean Bank Teller Salary
In These States Ranges From $26,960 $29,910

Vermont
Maine
Rhode Island
Connecticut
New Jersey
Maryland
District Of Columbia
Virginia
Florida
Colorado
Washington
Nevada
California
Alaska

So it looks like from this chart, which the northeast states, like New Jersey, Maine, and Vermont,
tend to pay the highest salaries for bank tellers. While states in the south like Louisiana, Kentucky,
West Virginia, and Arkansas tended to pay the least in bank teller wages.


Bank Teller Wage Statistics By Percentage
Percentile 10% 25% 50%
(Median) 75% 90%
Hourly Wage $9.44 - $16.50
Annual Wage (2) $19,630 - $34,320

Source: U.S. Bureau of Labor Statistics


***********Chapter 10 - Tips To Become A Bank Teller*****************


The moment you enter the bank, the bank tellers are the first people to greet you with the smile of
their faces and friendly demeanor. They not only help you with your banking needs, but they also
provide the best customer service possible, the good ones at least. Becoming a bank teller is just as
easy as a pie if you follow some of these tips.


Customer Service


Exceptional customer service is the most important in a successful bank visit. Do not just try but do
the best you can in keeping a positive attitude. Dont forget that in a bank, you are dealing with
customers money, when problem occurs, tempers may flare. Always be patient, take a deep breath
and stay relaxed. It is not your fault if sometimes the bank charges certain fees since it s computerized
and mistakes happen in the system at times. Great customer service means pleasantly helping in all the
ways you could.
When sometimes you cannot figure out why your drawer isnt tallying, ask a colleagues help. Co-
workers must be willing to triple-check digits if encountering some problems. When youre tired
sometimes, youll be having a difficulty seeing the different bill denominations. It is then hard to see the
mistakes easily.


Assistance
When sometimes you cannot figure out why your drawer isnt tallying, ask for a colleagues help.
Co-workers must be willing to triple-check digits if encountering some problems. When youre tired
sometimes, youll be having a difficulty seeing the different bill denominations. It is then hard to see the
mistakes easily.


Money
Whenever you count your drawer, it is always the easiest when your money is in order. Just like,
keeping your dollar bills wrapped in sets of thirty. That way you can count the stacks instead of
counting the bill one by one. Dont you open any rolls of coins unless its needed. That way you
wont loose change to count. Remember that money enters and exits your drawer throughout the day.


Accuracy
Bank tellers should count and check their drawers at the start and end of their shifts to ensure that
all the money is tallying and no mistakes were made. To make it easier, check your drawer periodically
throughout the day. The busiest times are in the first three hours that the bank is open, during lunch
and the hour before closing time. During lunch and afternoon breaks, count your slips and tally them
to the report from the computer such as the amount that your drawer has to contain. If there is a
mistake, it would be easier if you go back to the point when the drawer was correct, instead of starting
from scratch and begin counting all over again.


*******In Closing*********
If youve read through the whole book, congratulations, youre well on your way to achieving your goal
of becoming a bank teller. Well have plenty more for you in the future on becomeabankteller.com. If
you enjoyed this book please share it!
Thanks for downloading! Good luck on your journey to becoming a bank teller. As always well be
here for you at http://www.becomeabankteller.com


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