Inclusivebankingsuite User Guide: Parameters, Head Teller and Teller

InclusiveBankingSuite User Guide
Parameters, Head Teller and Teller
Information in this document is subject to change without notice.
No part of this document may be reproduced or transmitted in any form or by any means,
for any purpose, without the express written permission of TEMENOS HEADQUARTERS SA.
© 2018 Temenos Headquarters SA - all rights reserved.

Table of Contents
Document History ..........................................................................................................................................6

Introduction ....................................................................................................................................................7
Pre-requisites ................................................................................................................................................ 7
Teller ..............................................................................................................................................................7
Overview ....................................................................................................................................................... 7
Non-stop operation ........................................................................................................................................7
Transaction dates .................................................................................................................................. 7
Customer account balances .................................................................................................................. 7
Authorisation of transaction ................................................................................................................... 7
Unauthorised transactions in close of business .................................................................................... 7
Live records move to history ................................................................................................................. 7
Parameter tables ...........................................................................................................................................8
Setting up Teller ............................................................................................................................................ 8
Teller Parameter ........................................................................................................................................... 8
Access ................................................................................................................................................... 8
Other Information ........................................................................................................................................ 12
Accounts .............................................................................................................................................. 12
Financial Reports ................................................................................................................................ 12
Cheque Availability .............................................................................................................................. 13
Access ................................................................................................................................................. 13
Defining Teller Transactions ....................................................................................................................... 16
Overview.............................................................................................................................................. 16
Access ................................................................................................................................................. 17
Set up the Vault .......................................................................................................................................... 20
Access ................................................................................................................................................. 20
Set up the Tills ............................................................................................................................................ 21
Overview.............................................................................................................................................. 21
Access ................................................................................................................................................. 21
Internal Account .......................................................................................................................................... 23
Access ................................................................................................................................................. 23
Multi tills ...................................................................................................................................................... 25
Concept of linked tills………………………………………………………………………………………….26
Teller Denominations ...................................................................................................................................26
Overview.............................................................................................................................................. 26
Access ................................................................................................................................................. 27
Information in this document is subject to change without notice.
No part of this document may be reproduced or transmitted in any form or by any means,
for any purpose, without the express written permission of TEMENOS HEADQUARTERS SA.
© 2018 Temenos Headquarters SA - all rights reserved.

Teller User Guide
Define Currency Denominations on Teller Record ......................................................................................29

Overview.............................................................................................................................................. 29
Access ................................................................................................................................................. 29
Teller Financial Services .............................................................................................................................31
Overview.............................................................................................................................................. 31
Access ................................................................................................................................................. 31
Currency ......................................................................................................................................................41
Overview.............................................................................................................................................. 41
Access ................................................................................................................................................. 41
Currency Parameter ................................................................................................................................... 44
Access ................................................................................................................................................. 44
Overview.............................................................................................................................................. 44
Commission .................................................................................................................................................46
Overview.............................................................................................................................................. 46
Calculation Basis ................................................................................................................................. 46
Calculation Type .................................................................................................................................. 46
Access ................................................................................................................................................. 46
Charges .......................................................................................................................................................52
Overview.............................................................................................................................................. 52
Access ................................................................................................................................................. 52
Charge Conditions ...................................................................................................................................... 55
Overview.............................................................................................................................................. 55
Access ................................................................................................................................................. 55
General Charges .........................................................................................................................................56
Overview.............................................................................................................................................. 56
Access ................................................................................................................................................. 56
Transaction Charge .....................................................................................................................................64
Overview.............................................................................................................................................. 64
Access ................................................................................................................................................. 64
The Head Teller Menu .................................................................................................................................67
Till Admin .................................................................................................................................................... 67
Overview.............................................................................................................................................. 67
Reassign Till: ....................................................................................................................................... 68
Open Till: ............................................................................................................................................. 69
Close Till: ............................................................................................................................................. 70
Transfer Local/Foreign Currency ........................................................................................................ 71
View Till Summary............................................................................................................................... 72
View Teller Till Position by Currency ................................................................................................... 73
The Teller Menu...........................................................................................................................................74
Cash Deposits .............................................................................................................................................75
3 InclusiveBankingSuite Product
Teller User Guide
Cheque Deposit ...........................................................................................................................................78

Cash Withdrawal..........................................................................................................................................80
Issue LCY Bank Draft ..................................................................................................................................82
Cheque Encashment ...................................................................................................................................84
Issue FCY Bank Draft ..................................................................................................................................86
Customer Account Transfer .........................................................................................................................88
Multiline Operations .....................................................................................................................................90
Foreign Currency Exchange ........................................................................................................................92
Charge Collection ........................................................................................................................................94
Passbooks ...................................................................................................................................................95
Updating Passbooks (Definition) ................................................................................................................ 95
Assigning a Passbook device to a specific Teller using TELLER.ID .......................................................... 95
Updating Passbooks (Processing) ............................................................................................................. 95
Updating Passbooks (Reprinting) ............................................................................................................... 96
Cheques ......................................................................................................................................................99
Cheque Issue ...............................................................................................................................................99
Stop Payment of Cheques .........................................................................................................................101
Revoke Stop Payment ...............................................................................................................................103
Cheque return ............................................................................................................................................104
Cheque Register ........................................................................................................................................106
Change Default Printer ..............................................................................................................................107
Head Teller Enquiries ................................................................................................................................108
Currency Rates ..........................................................................................................................................108
Cash Position Teller...................................................................................................................................109
Cash Position CCY ....................................................................................................................................110
Today Account Balances ...........................................................................................................................111
Till Exceptions ............................................................................................................................................111
Teller Enquiries ..........................................................................................................................................112
Currency Rates ..........................................................................................................................................112
List of Overages and Shortages ................................................................................................................113
Entries Posted Today ................................................................................................................................114
Cheques Deposited Today ........................................................................................................................115
Cheques Issued Today ..............................................................................................................................116
Bank Drafts Issued Today .........................................................................................................................117
Summary of Transactions ..........................................................................................................................118
List of Funds Transfers Transactions ........................................................................................................119
Cheques Deposited Prior to Today ...........................................................................................................120
Cheques Issued Prior to Today .................................................................................................................121
Banks Drafts Issued Prior to Today ...........................................................................................................121
Transactions Prior to Today ......................................................................................................................122
Teller User Guide
Notes .........................................................................................................................................................123
Teller User Guide
Document History
Author Version Date
Esther Muniu 1.0 30th Nov 2018
Lynn Petersen 2.0 20th June 2019
Comments:
V2.0 Updated, added parameter and other configuration tables.
Teller User Guide
Introduction
Pre-requisites
In order to get the most out of this manual, it is essential that you are familiar with the standard procedures
regarding navigating your way around the InclusiveBankingSuite. This includes ability to access menus, data entry
and editing, mandatory and multi‐level fields, committing details, and so on. All of these are described in detail
in the Navigation manual.
Teller
Overview
The TELLER module processes a wide variety of retail transactions. Teller is an account-based application for
moving funds. It incorporates the administration of Tills, processing of local and foreign currency transactions,
cheques, currency transfers, denomination control, passbook updates, advice production, automatic charges
defaulting, rate defaulting etc.
This manual, which assumes that most details have been setup and defined correctly, will describe more of the
day-to-day functions of the Teller as represented by the sub menus accessed via the Teller and Head Teller
menu. We also describe the set up procedures and parameters in this document.
Non-stop operation
With the NS (Non Stop) Product installed, it is possible to process teller transactions even when the Close of
Business batch jobs are in progress. In Non Stop mode the system operates in the following manner:
Transaction dates
When the Close of Business is initiated, the system immediately cycles the system processing date. Any
transactions entered after Close of Business is initiated will therefore carry the date defaulted based on the
cycled system date.
Transactions input before the start of Close of Business, but authorised after the launch of Close of Business,
will be processed with the same transaction dates (e.g. value and exposure dates) allocated at the time of input.
However, in this scenario, transactions will not impact your institution’s books for the Close of Business running,
but will be included in the following day.
Customer account balances

Customer account balances are updated and checked in the same way, whether or not the system is running
the Close of Business. In a nonstop environment, it is recommended that the Available Funds Balances be
used.
Authorisation of transaction
When a transaction is authorised, a new field AUTH.DATE, records the actual system date when the authorisation
took place.
Unauthorised transactions in close of business

In a non-stop environment, the system no longer deletes, but places on hold (IHLD) unauthorised transactions.
Live records move to history

Since records may be input and/or authorised whilst the Close of Business is running, it is important that only
those transactions completed for the current Close of Business are moved into History. The system therefore
only moves transactions from the Live to History where the AUTH.DATE is less than or equal to the current system
date of the Close of Business process.
This means that under normal circumstances, the transaction file is empty at the start of each day.
Teller User Guide
Parameter tables
Setting up Teller
The TELLER system may already be set up with a number of transaction types, defaults, CATEGORY codes,
menus, advice formats, etc. However, before transactions can be processed the following steps must be taken:
1. TELLER.PARAMETER
2. TELLER.TRANSACTION
3. Set up the VAULT
4. Set up the TILLS
5. Open the CASH Accounts
These are discussed in detail below.
Teller Parameter
Overview
The TELLER.PARAMETER file is a general parameter file for the TELLER application.
Here the category and transaction codes to be used for balancing tills, the category(s) to be used for cash,
rounding details for local currency and the vault ID are defined.
Access
AIO RBHP>>System Parameters>>General>>Teller Parameters>>Teller Parameter
Teller User Guide
Fields for entry
Field Name Description
Over Category Specifies the category code which any cash surpluses/overages will be
posted to.
When a till is in excess of the system balance the cash account of the till is
adjusted by transferring the amount from the surplus account.
The surplus account is defined using the currency, category and teller ID, for
example USD-10200-0004.
The category must be in the range 10,000 to 19,999.
Short Category Specifies the category code which any cash shortages will be posted to.
When a till is short of the system balance the cash account of the till is
adjusted by transferring the amount to the shortage account.
The shortage account is defined using the currency, category and teller ID,
for example USD-10000-0004.
The category must be in the range 10,000 to 19,999.
Tran Code Short Specifies the transaction code used for posting to the shortage account and
for debiting the cash accounts when there is an overage. This must be a valid
entry on the TRANSACTION file with the DR/CR marker set to DR
Tran Code Over Specifies the transaction code used for posting to the overage account and
for crediting the cash accounts when there is a shortage. This must be a valid
entry on the TRANSACTION file with the DR/CR mark set to CR
Tran Category Specifies the teller cash accounts category codes.

The teller cash accounts ae defined using the currency, category code and
the teller ID. Only these accounts will require reconciliation with the till
balances when the tills are closed.
The category code cannot be the same as the shortage and surplus (over)
categories.
Vault ID Specified the ID of the vault as defined on the TELLER.ID file.

The vault differs from normal teller operations in that it cannot be opened or
closed and the only transactions allowed are transfers to and from the teller
cash accounts. Multiple vaults are allowed.
Vault Desc A description of the vault defined in Vault ID.
Autocash Category Used to identify transactions which require an interface to the autocash
dispenser.
Any transactions posted to this category will invoke the autocash interface if
a dispenser has been installed (see TELLER.ID AUTOCASH.DEVICE).
Mkt Exch Method Defined the method for calculating local equivalents and thereby deriving the
market exchange profit.
‘None’ or leaving this field blank implies that no market exchange profit will
be calculated during TELLER transactions.
Teller User Guide
The option ‘Middle’ implies that local equivalents will be calculated using
middle rates for corresponding currency markets.
Rounding Category Specifies the P&L category code where rounding differences will be posted
to.
Differences caused by rounding the TELLER NET.AMOUNT to the
MIN.ROUND.AMOUNT held on the CURRENCY file will be debited or
credited to this P&L category code which must be in the range 50,000 to
69,999 and a valid entry on the CATEGORY file.
Round Txn Code Cr Specifies the transaction code to be used when crediting the rounding
difference to the P&L.
Round Txn Code Dr Specifies the transaction code to be used when debiting the rounding
difference to the P&L.
Mkt Exch Txn Cr Transaction code to be used for booking Credit marketing exchange profit.
Mkt Exch Txn Dr Transaction code to be used for booking Debit marketing exchange profit.
Modify Charge Code This field contains the ID of a FT.CHARGE.TYPE or FT.COMMISSION.TYPE

which should be used when the Teller needs to modify the standard charges
that are applicable when entering multi-line deals.
Version Defines a valid VERSION record. This field together with the FINISH
ROUTINE facilitates local customisation and validation.
When the VERSION entered in this field is used in a multi-line deal and the
‘finish’ option is completed, the subroutine specified in FINISH.ROUTINE is
run.
Finish Routine This field together with the VERSION field facilitates local customisation and
validation. It must be a valid record in the PGM.FILE and a subroutine type.
Auto Next For multiline teller deals it is possible to set a default so that when the Teller
finishes one leg of a multiline deal, the system automatically starts a new leg
or prompts each time to create a new or finish. Options are ‘Yes’, ‘No’ or
blank. ‘No’ and blank will prompt the teller each time.
Rate Specifies whether there should be an option to specify the rate for same
currency deals, options are:
1. Not allowed
2. Allowed with override
3. Allowed but with a variance override
Split Charge Entries This field is used to split the charges and tax amounts as separate entries.
From the credit or debit transaction amount of the account to which the
charges and tax are attached.
If ‘YES’ is selected in this field the system will generate separate accounting
entries for the charges and taxes attached to the credit or debit transaction,
instead of netting them.
If ‘YES’ is not selected and the field is left blank, the charge/tax amount will
be adjusted with the respective debit or credit transaction and accounting
entry will be raised for the net amount only.
NOTE: This feature is not available for transactions done through the Multi-
line Teller.
Teller User Guide
Multi Tills Options in this field are ‘Yes’ or blank.

If ‘Yes’ the Max Tills field is mandatory and multi-tills are permitted for all the
users.
Max Tills When multi-tills has been set to ‘Yes’ then the number of tills has to be
entered, for example 2 means that the user can have a maximum of 2 till
open at any point in time.
D Slip Finish This field determines when the deal slip is to be printed in a multiline teller
transaction, options are ‘Yes’ or null. ‘Yes’ will result in dealslips being
produced at the end of the multiline transactions, while ‘null’ will generate a
dealslip after each line.
Till Bal Auth Err When the till account goes into credit balance at the time of authorisation of
a TELLER transaction, an error message will be raised based on the setting
in this field. If set to ‘Yes’, an error message ‘CREDIT TILL CLOSING
BALANCE’ is raised.
Check Stock Amt When side 1 of a Teller transaction is multi-valued, and ‘Yes’ has been
selected, then this field indicates which denomination has to be checked
against the total denomination units in the account for which the
STOCK.CONTROL.TYPE has been set.
When this field is ‘null’, the total denomination units in the Teller transaction
will be checked against the total transaction amount.
Stock Upd ‘Yes’ selected in this field indicates if denomination units entered in the
TELLER.ID during till closure are to be treated as final stock and overwrite
the TT.STOCK.CONTROL.
If the value is ‘null’ an override will be raised to the extent of shortages or
surpluses and the balancing entry will be generated, but the
TT.STOCK.CONTROL is not updated.
Reprint Mode Not currently supported.
Teller User Guide
Other Information
Other information pertaining to Teller configuration:
Accounts
The cash account is treated as an internal account and the CATEGORY codes are specified in
TELLER.PARAMETER (cash account and over/short categories) and in TELLER.TRANSACTION for the
cheque collection accounts.
Once the CATEGORY codes have been entered, the internal accounts need to be opened (in each currency of
the organisation). The system will open the accounts if they are not created by the time a financial entry is
posted, always ensuring that both debit and credit entries are passed, balancing the books.
Refer to the Accounts User Guide for information on the opening of accounts.
Financial Reports
The consolidation keys and reporting lines for the Balance Sheet entries are defined in the
All-in-One RBHP>>System Parameters>>Finance
Teller User Guide
Cheque Availability
When capturing cheque deposits, these become available after a specified time period, for instance 7 days.
This time period can be parameterised according to the institution's policies
Access
All-in-One RBHP>>Finance>>General Parameters>>Transaction
Fields for entry
Narrative Describe the transaction code and is used for enrichment and on reports
Teller User Guide
Data Capture Defines is this Transaction code may be used in the DATA.CAPTURE
application, or may only be used in entries generated automatically by other
transaction processing applications. If left blank, it cannot be used by the
DATA.CAPTURE application
Cheque Ind Specifies whether the cheque number is mandatory for entries entered via
the DATA.CAPTURE application, using this transaction code.
The purpose of this field is two-fold:
1. For forcing the user to enter a cheque number, the system can then
verify the PAYMENT.STOP file (ref: Data Capture) and ascertain that
no stop has been placed on the cheque
2. Entering ‘Y’ will ensure that the cheque number is available for
printing on the customer account statement which will allow easy
reconciliation
Mandatory Ref No Specifies whether the inclusion of a Reference Number is to be mandatory

for Transactions input via DATA.CAPTURE when using this Transaction
code.
Debit Credit Ind Indicates if the Transaction code is to be used for Debit or Credit entries. The
use of this indicator will mainly be used by core applications such as
DATA.CAPTURE. This information is used by the system to verify the sign of
the Transaction. Once the Transaction code has been authorised, the value
of this field cannot be changed. For other applications it will be disregarded
because all the bookkeeping entries are generated automatically by each
Transaction Processing Application.
Default Value Date Identifies for the DATA.CAPTURE Application, the Default Value Date which
will be assigned to all transactions where this Transaction code has been
defined. This Default Value Date can always be overridden by entering the
Value Date directly at transaction level.
Turnover Charge Indicates whether the Transactions using this Transaction code are to be
included in the calculation of the Debit/Credit Turnover or Number of
Debits/Credits Charge
This field, at the Transaction code level, will allow the user to eliminate any
Transaction Code from the Turnover Charge calculation
Swift Narrative Specifies the SWIFT description of the Transaction.

This is the SWIFT narrative that corresponds with the Transaction code and
must conform to the rules specified in the SWIFT User Handbook. Since
these rules may be changed from time to time, it is the user’s responsibility
to ensure valid codes are entered
Please see the Help Text for Rules to be followed
Initiation Specifies who is responsible for initiating the Transaction.

This field specifies whether this Transaction is initiated automatically by the
System, by the Bank of by the Customer. This information is then used to
determine which Transaction details fields should be updated on the
ACCOUNT file, ensuring that exact details are maintained for all Transactions
on the Account.
NOTE: The Indicative status on Customer Accounts will only be activated by
the Transaction codes which have been identified with the value of C
(customer)
Teller User Guide
Short Desc Describes the Transaction code and may be used in reports.
Stmt Narr Description of the Transaction for printing on the Account Statement
Stmt Narr Ref Specifies whether or not a reference is to appear on the Account Statement
as part of the narrative, and if so, which of the three possible references in a
Statement Entry should be used: Our Reference, Their Reference or the
System generated Transaction Reference.
Teller User Guide
Defining Teller Transactions

Overview
The system will already be set up with a number of TELLER.TRANSACTION records (cash/cheque deposit,
foreign currency buy/sell) but different types can be added using the TELLER.TRANSACTION file.
To add a new transaction type the system will require a definition of the defaults to apply when generating the
entries for the transaction. The defaults are TRANSACTION codes, CATEGORY & department codes, valid
currencies, charges, and so on.
Although the system processes many different types of transactions, the basic mechanism for balancing entries,
defaulting rates and charges is the same. Hence, all transactions are processed by the one application
(TELLER) but the screen prompts can be varied by tailored VERSION with specific defaults being controlled by
a TELLER.TRANSACTION.
Each transaction prepares two balancing accounting entries (more when charges are present).
Invariably one side will be the 'customer' (side 1) and the balancing entry will be the teller cash account (side
2), that is, a simple cash deposit will entail a credit to the CUSTOMER ACCOUNT and a debit to the teller cash
ACCOUNT.
In the TELLER system the cash that is held at a teller's position is recorded in an internal ACCOUNT defined
as:
CURRENCY-CASH CATEGORY- TELLER ID
For example USD-10000-0012
The cash CATEGORY is specified in the TELLER.PARAMETER file. It is the balance of these ACCOUNT
records which will be reconciled with the actual cash when the till is closed.
Cheques should be posted directly to collection accounts and not held by teller (defined in
TELLER.TRANSACTION). This allows for easy reconciliation of funds as each cheque is recorded as a separate
entry to this ACCOUNT.
It is possible to specify an exposure date on the cheque deposit, which is used to decide when the funds credited
will be updated to the cleared balance on the ACCOUNT record. It is also possible to clear funds on a single
teller transaction on multiple dates. This information is entered in the exposure date ladder fields (EXP.SPLIT.DATE
& EXP.SPLIT.AMT). Although the splitting information can be entered manually, they may also be made to default
using either the TRANSACTION record or the BC.SORT.CODE record. Refer to Local Clearing & System Table
for further information on setting up exposure date splitting defaults.
It is also possible to default the value date on the credit side by specifying a sort code that points to a
BC.SORT.CODE record set up with a default value date period.
Teller User Guide
Access
AIO RBHP>>System Parameters>>General>>Teller Parameters>>Teller Transaction
Fields for entry
Description Describe the transaction type
Teller User Guide
Short Description This description is used as enrichment of the Transaction type, minimum 3
and maximum 15 characters
Transaction Code 1 Specifies the Transaction code used for posting entries to the side 1 account,
must be valid on the TRANSACTION file. It determines if the account is being
debited or credited, default value dates, etc., hence the DR/CR marker must
be set
Cat Dept Code 1 The default category to post the side 1 entry to
Valid Currencies 1 Determines which currencies are allowed to be specified for side 1
Options are L – local or F – foreign or A – local or foreign
Valid Accounts 1 Determines the type of accounts that can be entered in side 1
Options are I – Internal only or C – Customer only or P – P&L only or A - Any
Curr Mkt 1 Defines the currency market which holds the default rates, must be valid on
the CURRENCY.MARKET file
Pos Type 1 Defines the type of foreign exchange position for this transaction, must be
valid on the FX.POS.TYPE file
Transaction Code 2 Specifies the Transaction code used for posting entries to the side 2 account,
must be valid on the TRANSACTION file. It determines if the account is being
debited or credited, default value dates, etc.
Valid Currencies 2 Determines which currencies are allowed to be specified for side 2.
Options are L – local or F – foreign or A – local or foreign
Valid Accounts 2 Determines the type of accounts that can be entered in side 2
Options are I – Internal only or C – Customer only or P – P&L only or A - Any
Curr Mkt 2 Defines the currency market which holds the default rates, must be valid on
the CURRENCY.MARKET file
Pos Type 2 Defines the type of foreign exchange position for this transaction, must be
valid on the FX.POS.TYPE file
Deal Market Defines the currency market to be used when defaulting the currency rate for
the deal, defaults to the market defined for side 1 and must be valid on the
CURRENCY.MARKET file or on the TELLER.CCY.MARKET file
Charge Market Defines the currency market to be used when calculating the conversion rate
for charges, must be the same market as defined for side 2 and a valid entry
on the CURRENCY.MARKET file or on the TELLER.CCY.MARKET file
Split Chrg Entries This field is used to split the charges and tax amounts as separate entries.
From the credit or debit transaction amount of the account to which the
charges and tax are attached.
If ‘YES’ is selected in this field the system will generate separate accounting
entries for the charges and taxes attached to the credit or debit transaction,
instead of netting them.
If ‘YES’ is not selected and the field is left blank, the charge/tax amount will
be adjusted with the respective debit or credit transaction and accounting
entry will be raised for the net amount only.
Teller User Guide
This feature is not available for transactions done through the Multi-line
Teller.
Print Advice Defines if the transaction should produce an advice by default. The advice
itself is defined in ADVICE.VERSION and is produced when the TELLER
Teller Transfer This specifies whether this transaction is a Teller Transfer, in which case both
accounts must be internal.
Cust Ac Transfer This specifies whether this transaction is a Customer Transfer, in which case
both accounts must be a customer account and the TELLER transaction will
ask for an override if the transaction is between different customers.
Verify Signature Specifies whether this transaction will display the customer’s signature on
input of the account number. If ‘YES’ is selected, the signature of the debit
account is displayed when the SIG.HOT.KEY is depressed. If the signature
is not displayed and VERIFY.SIGNATURE is ‘YES’ then an override is required.
This is only applicable when the SIGNATURE system is installed.
NOTE: this is only applicable to Desktop (old releases) and not Browser UI.
Charge Code This field defines the charge, commission or tax codes to apply to this
transaction.
NOTE: charges should not be collected for child transactions of a TFS entry.
If charges, commissions and/or tax is to be applied to this teller transaction,
then the relevant codes should be entered here. The charge amounts,
percentages, etc. are defined in FT.CHARGE.TYPE,
FT.COMMISSION.TYPE and TAX.
The code entered will be checked against each file consecutively.
NOTE: With the introduction of Multi Line Teller Transactions, it is required

that ACCOUNT.1 is always the CUSTOMER account. Bear this in mind
when creating VERSIONS.
Teller User Guide
Set up the Vault

The vault is viewed as a special till by the system, in that it is not opened/closed or balanced like the other tills,
but transfers to and from the vault can still take place. The vault id is entered first in the TELLER.PARAMETER
file (this gives it these special characteristics) and then defined on the TELLER.ID file.
Access
AIO RBHP>>Head Teller>>Till Management>>Create Till
Fields for entry
Vault (Till) ID Specified the ID of the vault as defined on the TELLER.ID file.
The vault differs from normal teller operations in that it is not assigned to a
user, cannot be opened or closed and the only transactions allowed are
transfers to and from the teller cash accounts. Multiple vaults are allowed.
Comments Any relevant information may be captured here.
The cash into the vault should be loaded initially using the FUNDS.TRANSFER application to transfer the
cash to the vault ACCOUNT(s).
The vault internal ACCOUNT records are defined as:

CURRENCY-CASH CATEGORY-TELLER ID (the one entered in TELLER.PARAMETER)
For example: USD-10000-9999
Teller User Guide
Set up the Tills

Overview
Each Till is associated with a USER record and contains one or more currencies. The till numbers should be
entered on the TELLER.ID file and set to Open. Cash can then be transferred to the tills from the vault using
the teller transfer function (this can alternatively be performed using DATA.CAPTURE by posting directly to
the till accounts).
Access
AIO RBHP>>Head Teller>>Till Management>>Create Till
Icon Description
Reassign Till.
Open/Close the Till
Till transfer in local currency
Till transfer in foreign currency
View Transactions Today
Teller till position by currency
Teller User Guide
Fields for entry
Create Till Enter the ID number of the till to be created, in this example 0002.
NOTE: Till number 9999 is reserved for the Vault (as defined in the
TELLER.PARAMETER)
Teller to use Till Assign the till to a valid user (as defined in the USER application)
Comments Any relevant information may be captured here
Teller User Guide
Internal Account
On the internal Account you will see fields which control the use of denominations and serial numbers. You can
decide to have no control, use denominations, or use serial numbers (including denominations). The serial
check digit/mask can be set independently for each currency where the serial number range of the issuer is not
standard across currencies. Remember that you can also have multiple issuers for one currency. This is
controlled by the CATEGORY code.
Access
AIO RBHP>>Finance>>Internal Account
Fields for entry
ID The ID of an internal account is compiled as follows:

CCY-10000-XXXX
Where CCY is the Currency Code, for example EUR
10000 is the Category code defined for CASH in the TELLER.PARAMETER
and XXXX is the Till number, in this example 0002.
Account Name The Account Title.
Short Name Specifies the abbreviated title of the Account. This field can be used for
reporting and enrichments in different languages.
Account Mnemonic Specifies an alternative method of referencing the Account. The Mnemonic
code rather than the Account ID may be used at any time to reference the
Account details. This could be the Ledger Page number, or the Legacy
Account Number, as long as the rules for defining the Mnemonic are followed.
Category Indicates the Category code for the Account. The Category code is used to
classify financial transactions according to the type of business operation or
product type.
Teller User Guide
Currency Identifies the Currency of the Account.

All entries passed to the Account must be in this Currency. Once the Account
record has been authorised, the Currency cannot be amended.
Account Officer Identifies the main Account Officer responsible for the Account.
Opening Date The date when the account was opened.
Teller User Guide
Multi tills
The feature of Multi Tills (or Cash Bag) enables a single user to have more than one TELLER.ID depending on
the set up enunciated in the application TELLER.PARAMETER. Further, Multi Tills contain a limited amount of
cash transferred from the vault. Whenever there is a shortage of cash, instead of drawing from the safe, cash
is transferred from the MULTI TILLS. In short, we can call the Multi Tills an intermediary between the vault and
the till. The set up features of Multi Tills in TELLER.PARAMETER are detailed below:
Option Description
Multi.Tills Permitted values are (1) Yes and (2) Null.

If Yes, the “Max. Tills” field is a mandatory input.
Multi Tills functionality – i.e. two or more tills for a user is made available only
if the flag is set to ‘YES’ in this field.
If NULL’, the usual teller validations will be carried out, i.e. one user can have
only one ‘TILL’ open at a time.
Max Tills Any numeric between 1 and 99 may be input.

When input, it represents the number of tills a user can keep open at any given
time when dealing with the Multi Tills facility.
The input in this field may be changed at any time.
Once changed, the new input will be effective and earlier validations will
become null and void. For example, if the value in this field is’3’ and then
changed to’2’, any intention to open more than 2 tills subsequently will be met
with the error message “Other tills must be closed.”
Teller User Guide
The TELLER.ID application is used to attach more than one till for the purposes of Multi Tills. Adequate logic
has been built to permit more than one teller ID per user only if the MULTI.TILLS is set to ’YES’ or raise an error
in case this field is set to ‘NULL’.
Concept of linked tills

Two fields are available in TELLER.ID application. These are:
Option Description
LINKED.TILLS This field accepts any valid TELLER.ID.

The ID that is entered here should belong to the same user or the
system will raise an error.
The concept of Linked Tills is introduced in Multi Tills to facilitate:
 Linking two or more tills belonging to a particular user.
 Automatic opening of the linked tills when the Master Till is
opened.
The closure of tills is done individually.
TILL.TRANSFER.ONLY This field accepts either ‘YES’ or ‘NULL’

If ‘YES’, the TELLER.ID can do only “till to till transfers”.
If a transaction other than “till to till transfers” is entered, the system will
raise an error.
.
Teller Denominations
These records identify the units, coins and notes that are available. When a transaction requiring the use of
denomination is entered these can be used to identify the stock levels of each currency at note/coin level.
The denominations are not defined and linked to the Teller application in the InclusiveBankingSuite and
therefore needs to be configured on site. The processes are defined here:
Overview
Two parameter tables need to be defined, first the Denomination type:
Access
Command Line>>DENOM.TYPE
The table requires a single input, in this case ‘cash’.
Teller User Guide
The second step is to define the denominations.
Access
Command Line>>TELLER.DENOMINATION
Fields for entry
ID Specifies the currency and the denomination identifier.

The first three characters denote the currency (a valid entry on the
CURRENCY table) and the remaining nine characters identify the
denomination.
Description The multi-value/multi-language description of the denomination
Value Value of the denomination.
Teller User Guide
Denom Type The field specifies the denomination type under which this DENOMINATION
falls.
Options are CASH, NONE or TC
NOTE: The ID is for clarity - it is the actual value of the unit that is important (it caters for 0 to 3 decimal
unit currencies), the above example does not mean there are 3 decimals in USD.
Teller User Guide
Define Currency Denominations on Teller Record

Should the institution wish for the teller cash transactions to be recorded by denomination, this can be supported
by setting the STOCK.CONTROL.TYPE on the cash account record to DENOM.
Overview
Once DENOM has been specified, it is mandatory on all transactions processed by the teller. It is not possible
for a teller that has DENOM defined to transfer cash to and from another teller/vault that does not have DENOM
defined.
Access
AIO RBHO>>Finance>>Internal Account
Teller User Guide
Fields for entry
Denomination Specifies the denomination to be used for paying out cash. The values are
defaulted on entry of the transaction amount. It contains all the
denominations defined for the credit side currency in the
TELLER.DENOMINATION file.
Dr Denom As the DENOMINATION field but for the debit side.
Unit Specifies the number of units of the corresponding denomination to pay to

the customer. On input of a transaction amount, the units are defaulted to 0
for each denomination defined for the credit currency.
Dr Unit As for UNIT but for the debit side.
On closing the till, the teller only needs to enter the numbers of notes and coin held in the different
denominations.
Teller User Guide
Teller Financial Services

The Teller Financial Services (TFS) application allows the user to enter multiple financial transactions on the
same screen and commit them all as one transaction.
Overview
The TFS application is the main transaction front end and captures user input data and creates a TELLER or
FT or a DC Batch in the back end.
TFS.PARAMETER is the main parameter file, where configuration of a number of features is done, namely:
1. Interface parameters:
How to interface to TELLER or FT or DC allowing definitions of OFS Version to be used, the API that
builds the OFS body etc.
(Note: This is a technical parameter and unless there is any financial institution specific development
on this suite, the setup of these fields will need to adopt to standard configuration)
2. Consolidation parameters:
If the user input transactions need to be consolidated to create one or fewer postings on the
Customer Account, and if so, necessary parameters for Consolidation
3. Usability parameters:
To improve user friendliness depending on the preferences of the financial institution
4. Currency conversion parameters:
Where the financial institution define their preferences on how the rates should be arrived depending
on the type of transaction involved and if and when market exchange profit should be calculated
5. Security parameters:
To prevent fraud
6. Transaction limit parameters:
To apply appropriate controls on users and their transaction limits.
Note: any change to the parameters require a re-start of the Temenos Open Connectivity Framework
Access
AIO RBHO>>System Parameters>>Teller Parameters>>TFS Parameter
NOTE: the default values have been defined, only change these where necessary.
Teller User Guide
Fields for entry
Exposure Method TFS supports cheques deposits in one of two methods:

1. Using the cheque collection process
2. Using the exposure ladder functionality – when the cheque collection
is not handled within IBS and the requirement is only to be able to
apply a forward date on the availability of the deposited amount
In the case of option 2 above, the exposure ladder can either be
translated into exposure ladder in TELLER or creating
AC.LOCKED.EVENTS for each exposure split dates in the ladder. This
field allows the definition of how the system should process the exposure
ladder.
AML Details The transaction front end supports the capture of customer details:
1. For an existing customer (the customer number suffices)
2. For walk-in customers who do not have accounts on IBS, additional
details as defined by the local/regional regulatory requirements, for
example Legal ID, Legal Document Name, Issuing Authority,
document issue and expiry date can be recorded.
This field indicates whether the system should treat the data as information
purposes only or whether real validation is to be done.
Teller User Guide
If this field is set to VALIDATION, then the expiry date is validated and if the
document has expired, an override is generated.
It should be noted that this feature does not extend to automatically do black-
list checking or other real-time interface capability to an AML solution.
AML Lookup The same set of AML fields in CUSTOMER are used in TFS. There are a few
lookup tables used for attributes such as Legal Document, Issuing Authority
and Communication Type.
These EB.LOOKUP tables are already setup for use when capturing a
CUSTOMER record.
This field indicates whether TFS should use the same lookup tables defined
for customer creation or if there are local lookup tables set up.
These fields form part of the Consolidation Parameters. If this field is set to ENABLE, then TFS will
combine all the user input transactions on a single TFS screen and create that as a single transaction to
the account specified in the PRIMARY.ACCOUNT field.
Consolidation TFS achieves this by using a temporary Washthrough Account (a

placeholder) on the input legs and eventually when the user indicates that
the transactions have all been entered, it creates one or more consolidated
legs between the Washthrough Account and the account specified in the
PRIMARY.ACCOUNT field. The consolidated Leg is really just another TFS leg
corresponding to a TELLER transaction.
Consol Method This field is where we define if the combined transactions should be
‘NET’ – consolidate all debits and credits or
‘GROSS’ – consolidate all debits and consolidate all credits
Consol Level Addon The default consolidation level is the VALUE.DATE of the individual user input
TFS transactions. Should there be a need to combine transactions using
additional attributes, these can be set in this field.
Consol Washthru This field holds the CATEGORY code of the Washthrough Account used by
TFS on user input legs
Consol Sort Code When a cheque deposit with a float and a cash deposit are consolidated, a
default float (with same day availability) needs to be applied for the cash
portion of the consolidated amount.
This field holds the key to the BC.SORT.CODE and EXP.DATE.PRD
should be left blank.
Consol TFS Txn When multiple TFS transactions are combined to create a consolidated
transaction, the system needs a TFS.TRANSACTION type to effect that
consolidated transaction.
This field holds the key to the TFS.TRANSACTION that will be used in
consolidated transactions.
Consol Amt Zero When the Consolidation Method is set to ‘Net’, it is possible that the resultant
amount is 0. This field is used to specify the Financial Institution’s preference
on what the system should do on such cases.
Default value: FORCE GROSS, the system will force the consolidation
method to be Gross, all debits and all credits together.
Other options are:
Teller User Guide
IGNORE.CONSOL.LEG, the system will ignore the consolidated leg that has
the amount as 0 - In other words, there will not be any entry on the customer
account at all.
UNDO.CONSOLIDATION, then the consolidation will be undone and each
user input leg will be recorded on the customer account. For example,
if there are 4 credit transactions and 2 debit transactions, and the net amount
is 0, then
if set to FORCE.GROSS there will be 2 entries on the customer’s account
if set to IGNORE.CONSOL.LEG, there will be no entries on the customer’s
account
if set to UNDO.CONSOLIDATION, there will be 6 entries on the customer’s
account.
Consol Chg TFS Txn If multiple transactions are combined to create one or more consolidated
transactions for the Primary Account, it may be necessary to calculate a
charge based on the combination of those transactions.
Using the information provided, the system builds a separate TFS transaction
leg.
This field is used to define the TFS.TRANSACTION code that needs to be
used for this Charge Transaction.
Consol Chg API If multiple transactions are combined to create one or more consolidated
transactions for the Primary Account, it may be necessary to calculate a
charge based on the combination of those transactions.
In such cases, a local API can be written to meet the requirements and
attach to this field.
Whenever Consolidation of transactions takes place, TFS will invoke this
API and expect it to return the:
1. PL Category (optional if Charge Code is returned)
2. Charge code (Key to FT.CHARGE.TYPE, optional if PL Category is
returned)
3. Charge Account
4. Charge Currency
5. Charge Amount
This information is used to build a separate TFS transaction leg.
Consol Narr API TFS automatically populates the statement narrative for the consolidated
transaction based on the user input legs that were combined to create that
consolidated transaction.
If there is a need to build the narrative with a specific logic, a local API can
be written and attached to this field.
Whenever Consolidation is done, TFS will invoke this API and expect the
narrative to be populated for the consolidated transaction.
End of Consolidation parameter fields.
These fields form part of the Usability Parameters
Hotfields Depending on the preferred workflow and user preferences, the Financial
Institution may select to adopt one of two workflows:
1. Capture all information and finally submit the request. The system
will validate all information in one go, return any errors, overrides and
Teller User Guide
expand denomination fields as applicable and present the screen to

the user
2. Make certain fields as requiring validation on input – so any input to
these fields will immediately send a request for validation, for
example expansion of denomination fields.
Txn Lookup Typically the lookups can be a Combobox or a drop down enquiry. The
Combobox allows for easier input and facilitates better keyboard navigation
without the use of a mouse.
This field defines the preferences for the lookup for the TRANSACTION field in
TFS.
Auto Expand Legs When launching TFS, the user will be required to expand the multi-value set
to record multiple transactions. To enable faster input, it is possible to auto-
expand the multi-value sets to a predefined number so that the user does not
have to waste time on the task.
Version This field and the and the associated INCLUDE.TXN allow filtering of the
transaction types that can be used in this version, which must be a valid
VERSION and must be for the TFS application.
Include Txn Transactions allowed in the TFS must be a valid record on

TFS.TRANSACTION and is mandatory when if the associated VERSION is
defined.
In this example, the teller is able to process Deposits in local and foreign
currency, Cash withdrawals in local and foreign currency, Loan Repayments,
Account Transfers and Cheque Withdrawals all on the same (one) screen.
End of Usability Tables
Teller User Guide
Fields for entry
These fields form part of the Currency Conversion Parameters.
Txn Ccy to Dr Ccy The CURRENCY field in TFS is the Currency of the transaction itself and need
not be either the Debit or Credit Currency.
A hypothetical example would be a Customer wanting to transfer USD100
from their GBP account to their EUR account. This means that there is a 3rd
currency involved.
The rate preferences and how the Debit Currency equivalent should be
arrived at from the Transaction Currency is defined in this field.
Txn Ccy to Cr Ccy The CURRENCY field in TFS is the Currency of the transaction itself and need
not be either the Debit or Credit Currency.
A hypothetical example would be a Customer wanting to transfer USD100
from their GBP account to their EUR account. This means that there is a 3 rd
currency involved.
The rate preferences and how the Credit Currency equivalent should be
arrived at from the Transaction Currency is defined in this field.
Teller User Guide
Buy Fcy Sell Lcy In a TFS transaction, if in a leg, the debit side is Foreign Currency and the
credit side is Local Currency, the system needs to arrive at a deal rate.
The rate preferences for such a transaction is defined here.
The value in this field will be overridden by the setup in the corresponding
field in TFS.TRANSACTION. If not defined in TFS.TRANSACTION, then
the value is taken from this parameter.
Buy Lcy Sell Fcy In a TFS transaction, if in a leg, the debit side is Local Currency and the
Credit Side is Foreign Currency, the system needs to arrive at a deal rate.
field in TFS.TRANSACTION. If not defined in TFS.TRANSACTION, then the
value is taken from this parameter.
Buy Fcy Sell Fcy In a TFS transaction, if in a leg, the debit and credit sides are both Foreign
Currency, the system needs to arrive at a deal rate.
Mkt Exch Profit When processing cross currency transaction, the TELLER application
calculates the market exchange profit. This field sets the marker on whether
the market exchange profit should be calculated.
End of Currency Conversion Parameters.
These fields form part of the Interface Parameters.
OFS Source This field holds the OFS.SOURCE that should be used to talk to the
underlying applications; FT, TT or DC
Interface To Define the underlying modules that TFS can interface to (FT, TT and DC).
Interface API TFS builds the OFS Body for the underlying module during run-time. Should
there be a need to customise the OFS Body, for example add some LRFs
that are attached to TFS that need to be passed along to TELLER, it is
possible to develop a local API and attach it here in TFS.PARAMETER.
TFS will invoke this API and respect the body returned by this local routine
and pass it along to OFS. The local routine must be a valid entry on EB.API
OFS Version This field holds the VERSION that needs to be used when interfacing with
the underlying application defined in the associated INTERFACE.TO field.
field in TFS.TRANSACTION. If not setup at TFS.TRANSACTION level, then
the value from this parameter will be used.
Teller User Guide
End of Interface Parameters
These fields form part of the DATA.CAPTURE related parameters.
Txn Rev Dc Cr When trying to reverse a TFS leg which has the underlying TELLER or
FUNDS.TRANSFER record in History, TFS would undo the entries by
creating offsetting DATA.CAPTURE transactions.
It will attempt to use the same TRANSACTION codes as in the accounting
entries used by the original underlying TELLER or FUNDS.TRANSFER albeit
with the REVERSAL.MARK in DC set to Y. However, if these transaction codes
are not enabled for use in DATA.CAPTURE (the DATA.CAPTURE field in the
TRANSACTION table must be set to Y), then it needs a default alternate code
that it can use for the Credit Reversal Entry.
Txn Rev Dc Dr When trying to reverse a TFS leg which has the underlying TELLER or
FUNDS.TRANSFER record in History, TFS would undo the entries by
creating offsetting DATA.CAPTURE transactions.
It will attempt to use the same TRANSACTION codes as in the accounting
entries used by the original underlying TELLER or FUNDS.TRANSFER albeit
with the REVERSAL.MARK in DC set to Y. However, if these transaction codes
are not enabled for use in DATA.CAPTURE (the DATA.CAPTURE field in the
TRANSACTION table must be set to Y), then it needs a default alternate code
that it can use for the Debit Reversal Entry.
Dc Rev On Rev Define whether the REVERSAL.MARKER field in DATA.CAPTURE should be

retained or not when trying to Reverse a DC Transaction which by itself was
input to Reverse another Underlying Transaction.
Assume that a TFS transaction corresponds to a TELLER or FT transaction
as the underlying. And that underlying transaction is now in History. If there
is a need to reverse that transaction, TFS automatically creates Offsetting
DC transactions because TELLER does not allow reversal of a transaction in
History and only partially allows reversal of a transaction in History.
In these offsetting DC transactions, the REVERSAL.MARK would be set to R.
Now, if this DC transaction needs to be reversed (may be because the
reversal was done by mistake and needs to be undone), the system will
create a ‘Reverse on Reverse DC’ transaction to offset the original DC
transaction.
End of DATA.CAPTURE related parameters.
The fields form part of the Transaction Limit parameters.
Transaction Limit Using this feature, a Financial Institution can put in proper controls on large
value transactions and mandate a supervisor approval for transactions that
breach the pre-specified limit.
In TFS, where there may be multiple legs, it is possible to validate the
transaction amount for each of the User input legs or for the 'Consolidated'
legs.
Lcy Limit A limit specified here will be treated as in Local Currency. Typically the fields
LIMIT.CCY and CCY.LIMIT will be used to specify the transaction limits by
Currency.
For any currency not defined in these fields, TFS will automatically convert
into Local currency equivalent and validate against the limit specified in this
field.
Teller User Guide
Limit Ccy For cases where the transaction limit needs to be specified for each
Currency, this field can be used to specify the Currency for which the Limit
amount is specified in the associated CCY.LIMIT field.
Ccy Limit For cases where a Transaction Limit needs to be specified for a given
Currency, this field can be used to specify the limit amount for the Currency
defined in the associated LIMIT.CCY
During Transaction processing, if TFS is not able to find the currency of the
transaction here, it will convert the transaction amount into Local currency
and validate against the global Local Currency limit specified in LCY.LIMIT
End of Transaction Limit parameters.
Fields for entry
These fields form part of the Miscellaneous Parameters.
Reset Fields If, in a TFS Transaction, while inputting one of the Legs, the user changes
the TRANSACTION type after inputting other details of that Leg, this field
allows us to define which of the associated field in that Leg should be cleared.
Examples of this would be instead of selecting Cash Deposit, the user might
have selected the Cash withdrawal code and entered currency and amount.
If this field does not include AMOUNT and CURRENCY but other fields of the
Teller User Guide
Leg, changing this to Cash Withdrawal will clear out all fields of that Leg
except for AMOUNT and CURRENCY.
End of Miscellaneous parameters.
Teller User Guide
Currency
Overview
This table contains all details of each individual CURRENCY, for example, name of the CURRENCY, number
of decimal places together with other information such as the Buy and Sell Rates
IBS caters for both Middle rate and Buy/Sell Rate environments therefore when installing the System the User
must specify, in the COMPANY record, which method is to be adopted. Regardless of which rates are entered,
however, both Middle and Buy/Sell Rates are used in calculations e.g.
Middle Rate is used for monitoring of rate variances.
Buy/Sell Rates are used (in conjunction with spreads) to calculate Treasury/Customer rates.
Automatically, when the Middle Rate and the Default Spread are entered, the Buy/Sell Rates are
calculated and when Buy/Sell Rates are input the Middle Rate and the Default spread will be calculated
by the System.
A further rate - REVAL RATE - may be used to indicate the rate to be used for Asset and Liabilities revaluation.
This field is optional, and if present overrides the Middle Rate when calculating Asset and Liabilities.
The use of the ISO Currency Codes is recommended as a standard for the ID of this table although an additional
numeric code must be defined and may be used as an alternative ID for accessing the CURRENCY details. Up
to 999 additional elements may be defined according to local requirements.
Access
AIO RBHP>>System Parameters>>General Parameters>>Currencies
Teller User Guide
Fields for entry
Ccy Name Identifies the name of the Currency and will be used for on-line enrichments
in any field where the Currency alpha or numeric code has been input.
The value is initially taken from the CURRENCY.PARAM file.
Days Delivery Indicates the number of working days, in advance of the Value Date, required
for pay/receive instructions.
This field defines the number of working days’ notice, in advance of the Value
Date, that a payment or a receive message must be sent by the DELIVERY
application.
‘0’ represents same day, while 1 to 10 represent the actual number of working
days’ notice.
It is used by applications to determine the latest date on which a remittance
instruction must be dispatched (i.e. passed to DELIVERY).
Days Forward Defines the number of working days forward, from the Run date, to
commence detailed Nostro reporting.
The Nostro cash position summaries (by Currency) project the balances for
5 consecutive working days.
Interest Day Basis Defines for each Currency the default calculation basis for interest calculation
purposes. It is possible to set the interest basis at contract or record level,
the absence of a valid user input will mean that the value from the appropriate
CURRENCY record will be used.
Currency Market Identifies to which market the following rates apply in those countries where
more than one market exists to determine the exchange rates of foreign
currencies.
All Transaction Processing Applications contain a data element Currency
Market and any input made in this field will be checked against this table to
derive or verify the appropriate exchange rate of the transaction. The
exchange rates applicable to the Market 1 will always be defaulted if no other
input has been done.
For the local currency, input in this FIELD will also be allowed to permit the
user to use, if required, the fields Quotation Suspense and Negotiable
Amount. These are the only 2 fields of the association which will be allowed
for the local currency. A typical example is Belgium where foreign currencies
are quoted on the Convertible/Regular market and also on the Financial/Free
market. Different sets of exchange rates will exist according to these two
markets and this explains the reason and the purpose of this field.
It is possible to define up to nine different markets in the CURRENCY table
and consequently for each foreign currency up to nine different sets of
exchange rates. The system will always require at least one set of rates, i.e.
to define the exchange rates applicable to Market 1 which will be the default
currency Market used by all Transaction processing applications.
NOTE: the CURRENCY.MARKET field can also be used within the concept of
notional market, i.e. to define different sets of exchange rates according to
the type of product handled. For example one set of rates for Notes
transactions, another for Travellers Cheques, another for transfer
transactions, etc.
Teller User Guide
Mid Reval Rate Specifies the Market Middle Rate for this Currency market. In a Middle Rate
installation this rate must be input whereas in a Buy/Sell environment this
rate is calculated automatically and therefore cannot be input.
When installing IBS, the user must decide which Currency environment is to
be adopted locally. The COMPANY record contains a field which specifies
whether a MIDDLE RATE or a BUY/SELL RATE system is to be used.
This market middle rate will be the default rate used by the revaluation routine
to revalue the bank books and the SPOT foreign exchange contracts. All
other revaluation types may use the REVAL.RATE for revaluation
calculations except for rebate revaluations which continue to use this field.
Default Spread Indicates the amount to be added to/ subtracted from MID.REVAL.RATE to
obtain the Market Buy/Sell Rates.
Buy Rate Indicates the Market Buy Rate. Used as the base for calculating (default)
rates for Customer Transactions (amounts less than the negotiable
amount). In a Buy/Sell installation, this Rate must be entered, whereas in a
Middle Rate environment, this Rate is calculated automatically and
therefore cannot be entered.
Sell Rate Indicates the Market Sell Rate. Used as a base for calculating (default) rates
for Customer Transactions (amounts less than the negotiable amount). In a
Buy/Sell installation this Rate must be entered whereas in a Middle Rate
environment this Rate is calculated automatically and therefore cannot be
entered.
Negotiable Amt The purpose of this field is to define a maximum amount for which the Rates
specified in this record can be used without reference to the dealers/treasury.
The exchange rate on transactions, below the specified value, need not be
entered. Based on the applicable Rates, Spreads and Condition tables, the
System will apply the appropriate rate, and calculate the local currency
equivalent.
Transactions which exceed the amount specified, should be booked with the
dealers/treasury, and the rate obtained should be entered. Any rate input will
be treated as the Treasury rate, and for this reason only the Customer
Medium Spread will be added/subtracted to/from it to determine the
Customer Buy/Sell rate.
When transactions exceed the negotiable amount, the system still allows the
defaulting of the rates applicable to smaller transactions but in this case an
override will be required to force the transaction with the existing rates.
Min Round Type The type of rounding to be applied to non-cash transactions in this currency.
Cash Round Type The type of rounding to be applied to cash transactions in this currency.
Precious Metal Identifies whether this currency is a precious metal.
Teller User Guide
Cls Ccy This is a YES/NO field. It is used for cross check which currency is defined
as the CLS currency. - CONTINUOUS LINKED SETTLEMENT (CLS) which
allows banks to eliminate Foreign Exchange Settlement Risk.
There are more input fields in this application, only the most relevant are discussed here. Refer to the T24
User Guide or Online Helptext for further information.
Currency Parameter
Access
Command Line>>CURRENCY.PARAM
Overview
This table contains the common details for each individual CURRENCY. These details are the Numeric
Currency Code, Currency Name, Number of Decimal Places and the Interest Basis.
This table is used to ensure that the same numeric code and number of decimals are used each CURRENCY
file. In a multi company environment there can be more than one CURRENCY file.
The CURRENCY name and Interest basis maybe changed at an individual CURRENCY file level. The
numeric CURRENCY code can only be changed on the CURRENCY.PARAM file.
NOTE: Once a record has been authorised the number of decimal places cannot be changed
Fields for entry
Numeric Ccy Code Specifies the numeric code which corresponds to the alpha ID. This code
must be unique and provides an alternative means of referencing the
Currency details in T24 Applications.
Ccy Name Identifies the name of the Currency and will be used for on-line enrichments
in any field where the Currency alpha or numeric code has been input.
No of Decimals Defines the Number of Decimal places of the Currency.
Teller User Guide
Interest Day Basis Defines for each Currency the default calculation basis for interest calculation
purposes. It is possible to set the interest basis at contract or record level,
the absence of a valid user input will mean that the value from the appropriate
CURRENCY record will be used.
Precious Metal Identifies whether this currency is a precious metal.
Equivalent Ccys Specifies a currency that is equivalent to the currency defined in the
CURRENCY.CODE field.
A relationship must be established to enable currencies to be used as interest

or charge currencies on any accounts set-up for the main currency.
This field will be used as a default on the CURRENCY table.
Country Code Identifies the country to which the currency defined in field CURRENCY.CODE
belongs to.
Base Ccy Rank Indicates whether a currency should always be the base currency for
currency conversions in the event that a base currency has not been
supplied.
Each currency can optionally be assigned a unique base currency rank in the
same manner as currency rank. The values are stored in the
BANK.BASE.CURRENCY application.
When two currencies are involved in a conversion and both have a base
currency rank defined, then the currency with the lowers rank will take
preference.
Decimal Name To define the Description of the decimal places of a Currency.
Teller User Guide
Commission
Overview
This table defines the conditions relating to all types of commission used by financial transactions within the
InclusiveBankingSuite.
Commission can be defined as a flat amount or as one that varies according to the amount transferred. In this
latter case different percentages can be defined for different LEVELS or BANDS of transfer amounts. Minimum
and maximum commissions can be specified for each BAND or LEVEL together with overall minimum and/or
maximum commission charges. Commissions in local currency must be entered and special foreign currency
commissions can also be defined if required.
The currency codes specified in this table in association with the percentage or the amount of charges will
always refer to the currency of the transfer, i.e. the debit currency for the inward payments and the credit
currency for all other types of payment. As a minimum, the local currency must be specified and any currency
which has not been defined will then default to these conditions and create the equivalent amount based on the
appropriate rate as held on the CURRENCY file.
It is also possible to enter future dated FT.COMMISSION.TYPE allowing changes to parameters to be input in
advance of the effective date being reached. To do this a new record must be input with an ID of an existing
commission type with a suffix of the date when the new record will become effective, separated by a '-'. On the
effective date a start-of-day routine will replace the existing record with the dated record. For example, a future
PCOMM commission would have a record ID of PCOMM-20190805. On 5th August 2019 the PCOMM-20190805
record would overwrite the old PCOMM record, so that the new parameters are present on the new PCOMM
record. The NEXT.DATE field holds all future dated record keys for the commission type.
Your institution may pay various commissions on business acquired. Each type must be fully described with its
calculation basis and calculation type.
Calculation Basis
This specifies whether the commission amount is to be calculated on a percentage basis, or as a unit.
Unit (U) - You can only specify this when using LEVEL or BAND calculation types. The amount entered in the
UNIT.CHARGE field, will be applied for the corresponding amount in accordance with the BAND/LEVEL
calculation type.
Percentage (P) - This is the percentage on the loan amount. You can only specify this when using LEVEL or
BAND calculation types. The amount entered in the UNIT.CHARGE field, will be applied for the corresponding
amount in accordance with the BAND/LEVEL calculation type.
Blank - If blank, then you must specify the amount and specify Flat calculation type
Calculation Type
This specifies whether separate calculations are to be made for each band of the base amount, whether only
one is calculated which is dependent on the level of the base amount, or whether a FLAT amount is to be applied.
Example:
Assume a deal of Principal 100,000 USD where commission is calculated based on the Principal. The
commission type record specifies an applicable rate of 2 per cent up to 10,000 and 1.5 percent over 10,000.
If Band (B) is specified for all sub value groups, 2 calculations will be performed, that is 2% on 10,000 and 1.5%
on 90,000.
If Level (L) is specified for all sub value groups, 1 calculation will be performed, that is 1.5% on 100,000.
If Flat (F) is specified, the basic Flat Amount will be applied.
Access
AIO RBHP>>Product Parameters>>Fees>>Commission
Teller User Guide
Fields for entry
Description This field provides a Description of the Commission Type and is used for the
enrichment, in applications that uses this commission type.
Short Descr Describes the Commission Type in an abbreviated format which can be used
for reporting where space is limited.
Ccy Conv Dependent Determines whether the Commission Type is to be applied only when Foreign
Exchange conversion is required. (Currency Conversion Dependent
indicator).
Category Account Defines the Profit & Loss Category or internal Accounts to which the
Commission should be credited
Txn Code Cr Defines the Transaction code to be used on the credit entry generated by
application for this Commission Type.
Txn Code Dr Defines the (optional) transaction code to be used on the debit entry
generated by the application for this Commission Type.
Tax Code Identifies the Tax record, or the TAX.TYPE.CONDITION record which
specifies the tax calculation and processing applicable to the Commission
Type.
Calculation Basis Specifies whether the commission amount is to be calculated on a

percentage basis, as a unit, or as a rate per lot basis.
Teller User Guide
Fields for entry
Currency Commissions must be specified in default or local currency and if special

Commissions are to be applicable to different Currencies (e.g. different
percentages/minimums/maximums) then Commissions must also be
specified for each applicable Currency.
Flat Amt The User will enter an amount in this field when the Commission being
defined is expressed as a Flat Amount, the Calculation Type is 'FLAT' and
the charge amount does not vary according to the Transfer amount. If,
however, it does vary according to the transfer amount, this field will be left
blank and the User would then define various Percentages with their
corresponding ranges if necessary
Calc Type This field specifies whether separate calculations are to be done for each
band of the base amount, whether only one is to be calculated which is
dependent on the level of the base amount, or whether a flat amount is to be
applied.
Options are BAND, LEVEL or FLAT.
Percentage Specifies the rate used to calculate the Commission for an entry as a
Percentage of its value.
Unit Charge Defines the amount to be charged as a unit on the corresponding UPTO.AMT
field using the associated CALC.TYPE method.
Upto Amt Defines the Maximum Amount to be charged on transfers to which this
Commission range applies
The Maximum Amount should never be greater than the maximum calculated
amount within the range. When there are various ranges within the same
Currency, the amount must be equal or greater than the preceding Maximum
Amount. It must also be greater than the associated Minimum Amount
Min Amt When there are various Commission ranges within the same Currency, the
Minimum Amount must be equal or greater than the preceding Minimum
Amount. It must also be less than the associated Maximum Amount
Max Amt The Maximum Amount should never be greater than the maximum calculated
amount within the Commission range. When there are various ranges within
the same Currency, the amount must be equal or greater than the preceding
Maximum Amount. It must also be greater than the associated Minimum
Amount
Round Type Rounding of rules can be defined in this field.

Options are: Higher/Lower/Natural
Teller User Guide
Round Unit Rounding unit can be defined. If no rounding type is selected then natural
rounding type will be applied in combination with the rounding unit.
Min Pct Defines the Overall Minimum Percentage rate to be charged on transfers
involving the Currency defined. This represents the minimum to be charged
irrespective of any special conditions which could exist for a Customer or
group of Customers except if these have been specified as a Flat amount.
Max Pct Defines the Overall Maximum Percentage rate to be charged on transfers
involving the Currency defined. This represents the maximum to be charged
group of Customers, except if these have been specified as a Flat amount.
Specifies the rate used to calculate the Commission for an entry as a
Percentage of its value.
Min Amt Defines the Overall Minimum Amount to be charged on transfers involving
the Currency defined. This represents the minimum to be charged
group of Customers except if these have been specified as a Flat amount
This amount could represent the actual cost to the bank of providing the
service, which should never be waived.
Max Amt Defines the Overall Maximum Amount to be charged on transfers involving
the Currency defined. This amount represents the maximum to be charged
group of Customers except if these have been specified as a Flat amount
This amount represents the maximum amount the Bank would ever
conceivably charge a customer for a transfer regardless of the size of the
Transfer Amount.
Accr Min Amt Indicates when, if a charge is subject to accrual or amortisation, a minimum
amount below which the calculated charge is simply booked.
Teller User Guide
Fields for entry
Monthly Amortisation Specifies whether, depending on the type of contract involved, the charge
should be amortised.
YES indicates that the commission will be amortised (taken into P&L over the
life of the contract), NO indicates that the charge will be treated on a cash
basis.
NOTE: This option is only relevant for certain contract types, e.g. Letters of
Credit.
Amortisation Period This field specifies the period over which the charge should be amortised.
Charge Period Defines the number of months that comprise a charging period
A charge may be levied periodically, e.g. monthly, quarterly, etc. This field
determines the length of time for which the commission type record applies.
Minimum Period Defines the minimum number of months which comprise the smallest
allowable charging period, used in conjunction with the CHARGE.PERIOD
defined.
Residency Defines the COUNTRY and/or the COUNTRY.GROUP(s) where, if the

ordering customer is resident, then the commission WILL be applied.
This field allows you to relate the commission to customers resident in
specific countries, or groups of countries. If the ordering customer is not
resident in a country defined here then this commission will not be applied.
Non Residency Defines the COUNTRY and/or the COUNTRY.GROUP(s) where, if the
ordering customer is NOT resident, then the commission WILL be applied.
This field allows you to relate the commission to customers not resident in
specific countries, or groups of countries. If the ordering customer is resident
in one of the countries defined here, then this commission WILL NOT be
applied
Link A list of all commission codes 'linked' to the master commission.
Next Date This system updated field will hold all future dated entered records for this
COMMISSION type that are presently on file.
Accrual Frequency Indicates the frequency of an accrued or amortised charge.

Optional input D indicates daily accrual, M indicates monthly accrual.
If this field is input then the ACCRUE.AMORT field must also be input and vice
versa.
Accrue Amort Define whether the calculated charge is to be accrued or amortised.

Optional input, A indicates accrual, M indicates amortisation.
If this field is input then the ACCRUAL.FQU field must also be input and vice
versa.
When the field is defined, the AMORTISN.PERIOD is mandatory.
SWIFT Narr Swift Narrative only used for Letters of Credit (Trade Finance).
Teller User Guide
Default Ccy The definition of the currency which is to be used as the default for calculation
of the commissions.
Charge Routine A valid routine can be specified in this field to define the charging mechanism.
When a charge routine is present, any other charging mechanism defined in
the record is ignored.
Exclude from Eir Specifies whether this commission amount must be included in the EIR
(Effective Interest Rate) calculation.
Teller User Guide
Charges
Overview
This table defines the conditions relating to various types of standard flat charges used by financial transactions
within the InclusiveBankingSuite. Each type of charge with related amount(s) must be set up.
Charges may be taken on the basis of “credit less charges” or “debit plus charges” or they may be waived.
Charges in local currency must be entered and foreign currency charges can optionally be specified. The
currency of the account bearing the charge determines the charge currency applied. Where no charges exist in
the account currency the default local currency charges will apply and the system will take the currency
equivalent using the appropriate rates held on the CURRENCY file.
In all cases the charge amount will be a FLAT amount, regardless of the monetary value of the transaction but
they may be varied according to the country and zone of the relevant customer and by currency.
It is also possible to enter future dated FT.CHARGE.TYPE allowing changes to parameters to be input in
advance of the effective date being reached. To do this a new record must be input with an ID of an existing
charge type with a suffix of the date when the new record will become effective, separated by a '-'. On the
effective date a start-of-day routine will replace the existing record with the dated record.
For example, a future TLX charge would have a record ID of TLX-20190805. On 5th August 2019 the TLX-
20190805 record would overwrite the old TLX record, so that the new parameters are present on the new TLX
record. The NEXT.DATE field holds all future dated record keys for the charge type.
Access
AIO RBHP>>Product Parameters>>Fees>>Charges
Teller User Guide
Fields for entry
Description This field provides a Description of the Charge Type and is used for the
enrichment, in applications that uses this charge.
Short Descr Describes the Charge Type in an abbreviated format which can be used for
reporting where space is limited.
Category Account Defines the Profit & Loss Category or internal Accounts to which the Charge
income should be credited.
Txn Code Cr Defines the Transaction code to be used on the credit entry generated by
application for this Charge Type.
Txn Code Dr Defines the (optional) transaction code to be used on the debit entry
generated by the application for this Charge Type.
Tax Code Identifies the Tax record, or the TAX.TYPE.CONDITION record which
specifies the tax calculation and processing applicable to the Charge Type.
Currency Defines the Currency of the Amount input in the associated FLAT.AMT field.
Charges must be specified in default or local currency and if special Charges
are to be applicable to different Currencies then Charges must also be
specified for each applicable Currency
The Currency refers to the Currency of the Account bearing the charge.
Both the Currency and the Flat Amount fields will be used when the Charge
defined does not vary according to the Region. If, however, a telex charge,
which varies from one country to another, is being defined, the Destination
Group of multivalue fields would be used.
If a charge is to be taken in a currency not defined, the default currency
charge definition is used, otherwise the local currency definition.
If a default currency is defined and the Zone is not entered, then the default
currency charge definition is mandatory, otherwise the local currency
definition is mandatory.
Flat Amt Defines the Amount to be charged for this Charge Type in the Currency
defined in the preceding field.
For Currencies where no Charge has been specified, the system will take the
equivalent (at the currency table middle rate) of the local currency amount
(which must be input) if any Flat Amount is to be levied.
Default Zone Defines the Zone to be used when the destination country of the
remittance/advice has not been defined in COUNTRY.
Any destination country which has not been specifically defined within this
record will automatically fall within this default Zone and its corresponding
Charge.
Zone Assigns a unique number for the Zone being defined in order that the default
conditions can be identified.
Country Defines the destination Country(ies), of the associated payment, to which the
Zone charge will apply.
Teller User Guide
To minimize the input, the User should not include any Country code for the
default Zone and only define the exception countries in the other Zone(s).
The destination of the payment will always be determined from the residence
of Credit Account Customer.
Charge Ccy Defines the Currency of the Charge entered in the associated field.
Charges must be specified in default or local currency and if special Charges
are to be applied to different Currencies, then Charges must also be specified
for each applicable currency.
The Currency refers to the Currency of the Account bearing the Charge.
Charge Amt Defines the amount to be charged for this Charge Type in the Currency
defined in the associated Charge currency.
Mnthly Amortisation Specifies whether, depending on the type of contract involved, the charge
should be amortised.
YES indicates that the charge will be amortised (taken into P&L over the life
of the contract), NO indicates that the charge will be treated on a cash basis.
NOTE: This option is only relevant for certain contract types, e.g. Letters of
Credit.
This field specifies the period over which the charge should be amortised.
Charge Period Defines the number of months that comprise a charging period
A charge may be levied periodically, e.g. monthly, quarterly, etc. This field
determines the length of time for which the charge type record applies.
Residency Defines the COUNTRY and/or the COUNTRY.GROUP(s) where, if the

ordering customer is resident, then the charge WILL be applied.
This field allows you to relate the charge to customers resident in specific
countries, or groups of countries. If the ordering customer is not resident in a
country defined here then this charge will not be applied.
Non Residency Defines the COUNTRY and/or the COUNTRY.GROUP(s) where, if the
ordering customer is NOT resident, then the charge WILL be applied.
This field allows you to relate the charge to customers not resident in specific
countries, or groups of countries. If the ordering customer is resident in one
of the countries defined here, then this charge WILL NOT be applied
Link A list of all charge codes 'linked' to the master charge.
Next Date This system updated field will hold all future dated entered records for this
Charge Type that are presently on file.
Exclude from Eir Specifies whether this commission amount must be included in the EIR
(Effective Interest Rate) calculation.
Swift Narr Swift Narrative only used for Letters of Credit (Trade Finance).
Default Ccy The definition of the currency which is to be used as the default for calculation
of the charges.
Teller User Guide
Charge Conditions
Overview
The LMM.CHARGE.CONDITIONS table contains the attributes for each type of fee or charge that can be
applied.
These attributes are:-
(i) The name that is used to define a particular charge type,
(ii) The Profit and Loss Category code that will be credited with the amount of the charge.
(iii) The amortisation period over which the charge will be taken to Profit & Loss.
If the fee or charge is to be calculated automatically, the record should be linked to the FT.COMMISSION.TYPE
or FT.CHARGE.TYPE applications by specifying the key in the field CHARGE.CODE.KEY.
Access
AIO RBHP>>Product Parameters>>Fees>>Charge Conditions
Charge Conditions apply to Contracts, LD, MM and is therefore not discussed further in this Teller user guide.
Refer to the relevant T24 User Guides.
Teller User Guide
General Charges
Overview
The Transaction Charge Table allows a charge, determined by the Transaction Code, to be specified for each
entry that passes over an Account during the capitalisation period.
The GENERAL.CHARGE record referred to in the relevant GROUP.DEBIT.INT record or
ACCOUNT.DEBIT.INT record specifies whether or not this charge is applicable to an Account.
The Charge Amount can be expressed either on a Unit basis, which represents the cost per entry, or as a
Percentage of the total value of the entries.
The amount per entry, Free Amount, Minimum Amount and Maximum Amount may be defined for specified
Currencies. Default Amounts, in local currency equivalent, are used for Accounts in Currencies for which no
amounts are specified.
The associated GENERAL.CHARGE record specifies whether charges for entries with different Transaction
Codes should be combined or applied to the Account as separate entries. It may also specify that Transaction
Charges should be combined into one entry with other Account Maintenance Charges, which can include:
BALANCE.REQUIREMENT, NUMBER.OF.CREDITS, or TURNOVER.CREDIT, NUMBER.OF.DEBITS, or
TURNOVER.DEBIT. All Account Maintenance Charges are applied on the same day, monthly, quarterly or six
monthly, at the end for the appropriate month, as specified in the COMPANY record.
The Transaction Charge record which is in effect on the date of the charges capitalisation is applicable for the
whole of the capitalisation period.
For ease of understanding, we describe the GENERAL.CHARGE first.
Access
AIO RBHP>>Product Parameters>>Accounts>>Account Products>>General Charges
Teller User Guide
Fields for entry
Description This field provides a Description of the General Charge (possibly per Account
type) and is used for the enrichment, in applications that uses this charge.
Debit Int Addon Debit Interest Addon is a supplementary flat percentage charge which is
applied to the overdraft interest amount calculated by the system on
Capitalisation date.
This charge is similar to HIGHEST.DEBIT. They cannot both be specified for
the same Account.
Government Margin Government Margin is a supplementary flat percentage charge on debit

balances calculated by the system on Debit Interest Capitalisation date and
collected on behalf of the Government.
Highest Debit Highest Debit is a flat percentage charge calculated on the Highest Debit
balance during each Capitalisation period.
This charge is similar to DEBIT.INTEREST.ADDON. They cannot both be
specified
Interest Statement Some customers require a detailed Interest Statement each time interest is
applied. The Interest Statement charge is a fixed amount which may be
applied each time debit interest is applied.
Int Chrg Bal Type Used in conjunction with fields INT.CHARGE.DEF.BAL, INT.CHARGE.CCY and
INT.CHARGE.BAL to specify a balance for waiving Debit Interest Addon, Highest
Debit and Interest Statement Charges. This field specifies whether a
Minimum or Average balance is required.
Depending on this field, the Minimum or Average balance for the Interest
Capitalisation period is calculated. If this is not less than the appropriate
balance specified in fields INT.CHARGE.DEF.BAL, INT.CHARGE.CCY and
INT.CHARGE.BAL then any DEBIT.INTEREST ADDON, HIGHEST.DEBIT or
INTEREST.STATEMENT charge is waived.
Int Charge Def Bal Specifies the local currency equivalent of the balance for waiving Debit
Interest Addon, Highest Debit and Interest Statement charges for Accounts
in Currencies with no Balance specified in fields INT.CHARGE.CCY and
INT.CHARGE.BAL.
Depending on the value in field INT.CHRG.BAL.TYPE, the Minimum or Average

balance for the Interest Capitalisation period is calculated. If there is an entry
in field INT.CHARGE.CCY for the Currency of the Account, the result is
compared with the balance in the corresponding INT.CHARGE.BAL. Otherwise,
the result is converted to local currency and compared with the Default
Balance in this field. If it is not less, any Debit Interest Addon, Highest Debit
or Interest statement charge is waived.
Int Charge Ccy Specifies the Currency of the Balance in the associated INT.CHARGE.BAL. For
Accounts in Currencies with no input in this field, the Default Balance in local
currency, INT.CHARGE.DEF.BAL is used.
INT.CHARGE.CCY and INT.CHARGE.BAL are used to define the required Balance
for waiving Debit Interest Addon, Highest Debit and Interest Statement
charges on Accounts in specific Currencies. For any Accounts in Currencies
not specified in this field, the Default (Local Currency Equivalent) Balance
specified in INT.CHARGE.DEF.BAL is used.
Teller User Guide
Int Charge Bal Specifies the required Balance for waiving Debit Interest Addon, Highest
Debit and Interest Statement charges for Accounts in the Currency specified
in the associated INT.CHARGE.CCY
INT.CHARGE.BAL and INT.CHARGE.CCY are used to define the required Balance
for waiving Debit Interest Addon, Highest Debit and Interest Statement
charges in specific Currencies. The Default Balance (in local currency) in
INT.CHARGE.DEF.BAL is used if there are no details in INT.CHARGE.BAL and
INT.CHARGE.CCY for the Currency of the Account
Depending on INT.CHRG.BAL.TYPE, the Minimum or Average balance for the

Interest Capitalisation period is calculated. If this is not less than the required
Balance, Debit Interest Addon, Highest Debit and Interest Statement charges
are waived.
Charge Code Level Specifies whether charges (BAL.REQUIREMENT, NUMBER.OF.CREDIT,

NUMBER.OF.DEBIT, TURNOVER.CREDIT, TURNOVER.DEBIT and STATEMENT.CHARGE)
should be added together into one total before checking against balances,
smallest charge etc. or whether each charge should be checked and applied
individually.
If 'IND' is specified, the details specified in each of the tables relating to the
charges listed above are used to calculate the charges, make adjustments
for Free, Minimum and Maximum amounts, calculate tax where applicable
and generate separate transactions for each charge.
If 'COM' is specified, the details defined in each of the tables are used to
calculate the amount of each charge, but the results are added together to
generate one transaction for the total charge, using details in CATEGORY,
TR.CODE.CR, TR.CODE.DR and COMBINED.TAX.CODE to determine Transaction
Codes and Profit & Loss Category and to Calculate Tax on the total charge
if appropriate.
Offset amounts, minimum charge, etc. are applied to each transaction
generated.
Charge of Fcy Acct Specifies whether the charges defined in BAL.REQUIREMENT,

NUMBER.OF.CREDIT, NUMBER.OF.DEBIT, TURNOVER.CREDIT, TURNOVER.DEBIT and
STATEMENT.CHARGE apply to all Accounts, or only to Accounts in local
currency.
Calcul Step Period Specifies whether charges in BAL.REQUIREMENT, NUMBER.OF.CREDIT,

NUMBER.OF.DEBIT, TURNOVER.CREDIT, TURNOVER.DEBIT, HIGHEST.DEBIT.CHG and
STATEMENT.CHARGE should be calculated once to cover the full charge period,
as specified in the COMPANY record, or in monthly steps.
If 'MONTHLY' is specified, Free, Minimum and Maximum amounts apply to
charges calculated for each month, otherwise the Free, Minimum and
Maximum amounts are only applied to the total charges for the period.
Bal Requirement Identifies the record containing details for calculating a maintenance charge
depending on the balance in the Account.
Number of Credit Identifies the record containing details for calculating a charge per
chargeable credit entry.
If 'Y' is specified in COMB.DEBIT.CREDIT, the number of debit and credit entries
are combined and one charge is calculated using the details in the Number
of Credit record specified.
Teller User Guide
An entry is chargeable if the record on the TRANSACTION table

corresponding to the Transaction Code contains 'Y' in TURNOVER.CHARGE.
Reversal entries are subtracted
Number of Debit Identifies the record containing details for calculating a charge per
chargeable debit entry.
If 'Y' is specified in COMB.DEBIT.CREDIT, the numbers of debit and credit entries
are combined and one charge is calculated using the details in the
NUMBER.OF.CREDIT record.

corresponding to the Transaction Code contains 'Y' in the TURNOVER.CHARGE
field. Reversal entries are subtracted.
Turnover Credit Identifies the record containing details for calculating a charge depending on
the total value of chargeable credit entries.
The charge is calculated as a percentage of the total value of chargeable
entries.
If 'Y' is specified in COMB.DEBIT.CREDIT the total value of chargeable debit and
credit entries is charged using the details in the TURNOVER.CREDIT record.
corresponding to the Transaction Code contains 'Y' in the TURNOVER CHARGE
Turnover Debit Identifies the record containing details for calculating a charge depending on
the total value of chargeable debit entries
The charge is calculated as a percentage of the total value of chargeable
entries.
If 'Y' is specified in COMB.DEBIT.CREDIT the total value of chargeable debit and
credit entries is charged using the details in the TURNOVER.CREDIT record.
corresponding to the Transaction Code contains 'Y' in TURNOVER CHARGE.
Reversal entries are subtracted.
Teller User Guide
Fields for entry
Comb Debit Credit Specifies whether charges for debit and credit entries specified in
NUMBER.OF.CREDIT, NUMBER.OF.DEBIT, TURNOVER.CREDIT and TURNOVER.DEBIT
should be calculated separately or combined.
If 'NO' is specified, debit and credit charges are calculated separately,
otherwise a combined charge is calculated using the credit charge details
specified in NUMBER.OF.CREDIT or TURNOVER.CREDIT.
corresponding to the Transaction Code contains 'Y' in the TURNOVER.CHARGE
If there is any input in NUMBER.OF.DEBIT or TURNOVER.DEBIT, 'NO' must be
specified.
Statement Charge Specifies which ACCT.STATEMENT.CHARGE record is to be used to determine

the charges for the issuing of account statements.
Trans Code Charge The TRANSACTION table specifies the TRANSACTION.CHARGE record
applicable to each Transaction code. No charge is calculated unless the
IMMEDIATE.CHARGE field on the Transaction record is 'NO'.
If there is an entry in COMB.TRNS.CHRG.CDE, the charges are accumulated into

one charge amount and the Free, Minimum and Maximum amounts in the
record specified in COMB.TRNS.CHRG.CDE are used. Otherwise the charges for
each Transaction Code are processed separately using the Free, Minimum
and Maximum amounts in the individual Transaction Charge records.
Comb Trns Chrg Cde Identifies the record containing details for processing Transaction Code
Charges accumulated under one charge.
Teller User Guide
The TRANSACTION specifies the TRANSACTION.CHARGE record

applicable to each Transaction code.
If there is an entry in COMB.TRNS.CHRG.CDE, the charges are accumulated into
one charge amount and the Free, Minimum and Maximum amounts in the
record specified in COMB.TRNS.CHRG.CDE are used. Otherwise the charges for
each Transaction code are processed separately using Free, Minimum and
Maximum amounts in the individual Transaction Charge records.
Waive Chrg Neg Bal Specifies that all charges specified in BAL.REQUIREMENT, NUMBER.OF.CREDIT,
NUMBER.OF.DEBIT, TURNOVER.CREDIT, TURNOVER.DEBIT and STATEMENT.CHARGE
should be waived if the Account has a negative Balance at any time during
the calculation period.
If this field contains Y, all charges specified in the fields listed above are
waived if the Balance is negative at any time during the calculation period
(even if it is only negative for one day).
If CALCUL.STEP.PERIOD specifies that charges are calculated in monthly steps
(M), the Balances are checked for each month separately and charges
waived for any month in which the Balance is ever negative.
If CALCUL.STEP.PERIOD specifies that charges are calculated in one step for
the whole period (P) as specified in the Company record, all charges are
waived if the Balance is negative at any time during the whole period.
Perct For Offset Specifies a rate for calculating notional credit interest for offsetting against
Charges specified in BAL.REQUIREMENT, NUMBER.OF.CREDIT, NUMBER.OF.DEBIT,
TURNOVER.CREDIT, TURNOVER.DEBIT and STATEMENT.CHARGE.
Offset Bal Type Specifies whether Average or Minimum balance should be used for
calculating notional credit interest for offsetting against charges or for
determining the required balance for waiving charge.
The Average or Minimum balance during the application period is used to
determine whether charges should be waived and whether notional credit
interest should be calculated to offset charges. If notional credit interest is
calculated, the Average or Minimum balance is used in the calculation
Default Min Av Bal Specifies the required Balance (in local currency equivalent) for waiving
charges for Accounts in Currencies with no input in OFFSET.CURRENCY,
MIN.AV.BAL, DAY.BASIS, BAL.NO.CREDIT and LOW.AMT.CHARGE. The
required Balance may be the Minimum or Average Balance during the
application period, depending on the OFFSET.BAL.TYPE.
Default Day Basis Supported are:

Key Days/Denominator
A 360/360
B 366/360
C 366/366
D 360/366
E 366/365
F 360/365
Specifies the Day Basis for calculating notional credit interest for offsetting
charges of Accounts in Currencies with no input in OFFSET.CURRENCY,
MIN.AV.BAL, DAY.BASIS, BAL.NO.CREDIT and LOW.AMT.CHARGE.
Details for waiving charges and calculating offsets for Accounts in specific
Currencies may be specified in the multivalue group of associated
OFFSET.CURRENCY, MIN.AV.BAL, DAY.BASIS, BAL.NO.CREDIT and LOW.AMT.CHARGE.
Teller User Guide
Default values (in local currency equivalent) defined in DEFAULT.MIN.AV.BAL,

DEFAULT.DAY.BASIS, DEF.BAL.NO.OFFSET and DEF.LOW.AMT.CHARGE are used for
Accounts in Currencies with no input in OFFSET.CURRENCY, MIN.AV.BAL,
DAY.BASIS, BAL.NO.CREDIT and LOW.AMT.CHARGE.
If PERCT.FOR.OFFSET is defined, the Average or Minimum Balance for the

application period is determined (depending on the OFFSET.BAL.TYPE) and the
notional credit interest is calculated using the PERCT.FOR.OFFSET as the rate
and the Day Basis defined in this field.
Def Bal No Offset Specifies the balance (in local currency equivalent) required before offset
interest is calculated for Accounts in Currencies with no details in
OFFSET.CURRENCY, MIN.AV.BAL, DAY.BASIS, BAL.NO.CREDIT and LOW.AMT.CHARGE.
Def Low Amt Charge Specifies the smallest amount (in local currency equivalent) which will be
booked for charges specified in BAL.REQUIREMENT, NUMBER.OF.CREDIT,
NUMBER.OF.DEBIT, TURNOVER.CREDIT, TURNOVER.DEBIT and
STATEMENT.CHARGE. If calculated charges are less than this amount they will
be waived.
Offset Currency Defines the Currency of Accounts for which the details in MIN.AV.BAL,
DAY.BASIS, BAL.NO.CREDIT and LOW.AMT.CHARGE are used for waiving charges
and calculating offsets.
Min Av Bal Defines the required Balance for waiving charges for Accounts in the
Currency specified in the corresponding OFFSET.CURRENCY. The required
Balance may be the Minimum or Average Balance during the application
period, depending on the OFFSET.BAL.TYPE.
Day Basis Supported are:

Key Days/Denominator
A 360/360
B 366/360
C 366/366
D 360/366
E 366/365
F 360/365
Specifies the Day Basis for calculating notional credit interest for offsetting
charges of Accounts in Currencies with no input in OFFSET.CURRENCY,
MIN.AV.BAL, DAY.BASIS, BAL.NO.CREDIT and LOW.AMT.CHARGE.
Bal No Offset Specifies the balance required for calculating notional credit interest for
offsetting against charges, for Accounts in the Currency specified in the
corresponding OFFSET.CURRENCY.
Low Amt Charge Specifies the smallest amount of charges specified in BAL.REQUIREMENT,
NUMBER.OF.CREDIT, NUMBER.OF.DEBIT, TURNOVER.CREDIT, TURNOVER.DEBIT and
STATEMENT.CHARGE, which will be booked, for Accounts in the Currency
specified in the corresponding OFFSET.CURRENCY. If calculated charges are
less than this amount they will be waived.
Teller User Guide
Fields for entry
Category Identifies the Category code to be assigned to Profit & Loss entries generated
for combined Charges.
Tr Code Cr Identifies the Transaction Code to be assigned to Profit & Loss entries
generated for combined Charges.
Tr Code Dr Identifies the Transaction Code to be assigned to Account entries generated

for combined Charges.
Combined Tax Code Indicates the Tax record containing details of Tax applicable to the combined
Charge.
Highest Debit Chg Highest Debit is a flat percentage charge that is calculated based on the
Highest Debit balance on the account. The balance used depends on the
way the COMPANY record has specified the CALCULATION.METHOD. If this field
has been set up with monthly calculation, then the balance of each month is
used for calculating the charge and so on.
Teller User Guide
Transaction Charge
Refer to General Charges in the previous chapter.
Overview
The Transaction Charge Table allows a charge, determined by the Transaction Code, to be specified for each
entry that passes over an Account during the capitalisation period.
Access
Command Line>>TRANSACTION.CHARGE
Fields for entry
Description Describes the Transaction Charge, and can be used for reporting.
Charge Period Identifies the period for calculation of Transaction charges.

T – Individual Transaction based calculations of charges, calculated when a
transaction is booked and used to update ACCR.ACCT.TRAN.CH. Free, minimum
and maximum amounts are not relevant to individual charge calculations. To
activate free, minimum and maximum amounts, the GENERAL.CHARGE
record must have COMB.TRNS.CDE set.
Blank – Charges are calculated in charge capitalisation date using
information from the transaction data in ACCT.ACTVITY. Any free, minimum
and maximum values for the charge will be applied to the total transaction
charge.
Teller User Guide
Category Identifies the Category code to be assigned to Profit & Loss entries generated
for Transaction Charges.
Tr Code Cr Identifies the Transaction Code to be assigned to Profit & Loss entries
generated for Transaction Charges.
Tr Code Dr Identifies the Transaction Code to be assigned to Account entries generated

for Transaction Charges.
Tax Code Specifies the Tax applicable to the Transaction Charge.
Percentage Specifies the percentage rate used to calculate the charge amount.
Default Charge Amt Specifies the amount, in local currency equivalent, to be charged per entry if
no Percentage is specified and there are no details regarding the Currency
of the Account.
Amounts for calculating Transaction Charges in specific Currencies can be
specified in the multivalue associated group of fields. The Default Amounts
specified are used if there are no details for the Currency of the Account.
Default Free Amt Specifies the Free Amount, in local currency equivalent, to be deducted from
the total charge calculated, subject to the Minimum and Maximum Charge
values, if there are no details for the Currency of the Account.
Default Min Amt Specifies the Minimum Amount, in local currency equivalent, to be charged
to the Account, if there are no details for the Currency of the Account.
Default Max Amt Specifies the Maximum Amount, in local currency equivalent, to be charged
to the Account, if there are no details for the Currency of the Account.
Commission Key If a valid FT.COMMISSION.TYPE record is attached then the transaction

charge is taken based on the conditions specified in the
FT.COMMISSION.TYPE. Category, debit-credit transaction codes defined in
the TRANSACTION.CHARGE is taken for processing. Default free amount
in TRANSACTION.CHARGE is also used as a parameter for calculating
charges.
Currency Defines the Currency for which the Transaction Charge details in the
associated fields apply. For Accounts in Currencies with no input in this field,
the Default Amounts specified are used.
Charge Amount Specifies the amount to be charged per entry (if no Percentage is specified)
for Accounts in the Currency specified.
Free Amount Specifies the amount to be deducted from the total charge calculated, subject
to the minimum and maximum charge values, for Accounts in the specified
Currency.
The Free Amount is subtracted from the calculated charge and further
adjustments.
The COMPANY record specifies when the charges are to be applied,
however if the GENERAL.CHARGE record specifies that charges should be
calculated on a monthly basis (Calcul Step Period = M), the Free Amount is
subtracted from the chare calculated for each month.
NOTE:
1. The result may be zero, but not negative, i.e. the Customer will not
receive a credit.
Teller User Guide
2. Even if the Free Amount is greater than the calculated charge, the
minimum amount is still applicable.
Minimum Amount Specifies the Minimum Amount to be charged to the Account, in the Currency
defined.
If after the Free Amount has been subtracted from the calculated charge the
result is less than the Minimum Amount, the Minimum Amount is used,
otherwise the Maximum Amount is checked.
calculated on a monthly basis (Calcul Step Period = M), the charge for each
month is compared with the Minimum Amount and adjusted if necessary.
Maximum Amount Specifies the Maximum Amount to be charged to the Account, in the
Currency defined.
If after the Free Amount has been subtracted from the calculated charge the
result is greater than the Maximum Amount, the Maximum Amount is used.
calculated on a monthly basis (Calcul Step Period = M), the charge for each
month is compared with the Maximum Amount and adjusted if necessary.
Teller User Guide
The Head Teller Menu

As discussed earlier in this document, the Head Teller is responsible for the Vault, creation of Tills, transfers
between the tellers and the vault and authorisation of till balances at the time of till closure. The Head Teller
also has the authority to close a till on behalf of a user (if they are not available at the end of the business day)
and to reassign tills to other tellers.
Till Admin
Overview
Creation is Tills is described earlier in this document. From this page the Head Teller is also able to:
Icon Description
Reassign Till.
Open/Close the Till
Till transfer in local currency
Till transfer in foreign currency
View Transactions Today
Teller till position by currency
Teller User Guide
Reassign Till:
Access
Head Teller RBHP>>Head Teller>>Till Management>>Reassign the till
Procedure
1. Select the till to be reassigned.
2. Click on the Reassign icon.
3. Enter the ID of the teller to whom the till is to be assigned and any relevant comments.
4. Click on the Commit button.
5. The record does not require authorisation.
The till is now reassigned.
Teller User Guide
Open Till:
Access
Head Teller RBHP>>Head Teller>>Till Management>>Open the Till
Procedure
1. Select the till to be opened.
2. Click on the Open/Close Till icon.
3. Enter any relevant comments.
4. Confirm the cash balances of the currencies held in the till by clicking on the Commit button.
The till is now open.
The negative indicator preceding the amount displayed under SYSTEM BALANCE is a display value only. It
indicates the amount of cash held by this specific till.
Teller User Guide
Close Till:
At the close of every business day, each till needs to be balanced and money obtained from or transferred to
the vault (via the Senior Teller) to maintain the Teller’s float. The closing of a till allows the Teller to balance the
actual contents of the Till against the balance held by the system. On closure, the Teller is prompted for the Till
balance (in each currency) and this is compared to the current system balance.
If a difference is found then an override is required. Accepting the override automatically adjusts the system
balance to the Till balance and posts the balancing entries to the over and short internal account defined in the
TELLER.PARAMETER file (CCY10200 and CCY10300).
Access
Head Teller RBHP>>Head Teller>>Till Management>>Close the Till
Procedure
1. Select the till to be closed.
2. Click on the Open/Close Till icon.
3. Enter the cash balances of the currencies held in the till and any relevant comments.
The till is now closed.
Balances may be transferred to the Vault before the Till is closed. See transfer options below.
Teller User Guide
Transfer Local/Foreign Currency
Access
Head Teller RBHP>>Head Teller>>Till Management>>Transfer Local/Foreign Currency
Procedure
1. Select the till to be transferred from or to.
2. Click on the Transfer Local/Foreign Currency icon.
3. Enter the ID of the teller from whom the transfer will be processed in the top line and the teller receiving
the transfer in the second line as well as any relevant comments.
The cash has been transferred from Till 3 to Till 4.

Cash is transferred to the Vault ID 9999, as defined in the TELLER.PARAMETER.
Teller User Guide
View Till Summary
Access
Head Teller RBHP>>Head Teller>>Till Management>>View Till Summary
Procedure
1. Select the till records to be viewed.
2. Click on the View icon.
3. The record displays.
Close the screen when the record has been reviewed.
Teller User Guide
View Teller Till Position by Currency
Access
Head Teller RBHP>>Head Teller>>Till Management>>View the status of the till and balances of each currency
Procedure
1. Select the till.
2. Click on the 2nd View icon.
3. The record displays
Drill down for a statement on the Cash Account (that belongs to this till):
Teller User Guide
The Teller Menu

The Teller menu provides access to the most common functions required by teller on a day-to-day basis. The
main menu is divided into two: Head Teller and Teller. The menu is further divided into the various operational
submenus such as Cash/Cheque Transactions, Deposits transactions, Loans transaction, that may be carried
out by tellers on a day-to-day basis. Cheque management functions and passbook updating functions are also
available.
Most teller operations can also be performed from the SCV.
We will now describe each function as preconfigured in the InclusiveBankingSuite Teller Menu, starting with the
Transactions landing page. The Deposits Operations and Loan Operations are described in detail in the
InclusiveBankingSuite Deposits and Lending user guides respectively, and are therefore out of the scope of this
manual.
Teller User Guide
Cash Deposits
Overview
This function enables a teller to accept and record a deposit made in any currency against an account held in
the institution.
Access
Teller Menu>>Transaction>>Cash Deposit
Procedure
6. Select the menu option.
7. Click on the New Deal button.
8. Enter all the required details as described below.
9. When everything has been completed click on the Commit button.
10. The system will produce a Cash Deposit Advice.
Note: The transaction does NOT require authorisation.
The Header Section

On entering a deposit account number, the system automatically displays a summarized overview of the account
by displaying details such as account product, account opening date, current and available balances. Any
restrictions on the account, for example, post no credits, post no debits and post no entries, are also displayed
here for your information. Kindly refer to the ACCOUNTS manual for more information on this. The values of
the customer’s total assets, total liabilities and arrears are also displayed.
Teller User Guide
Fields for entry
Option Description
Value Date The current system date is displayed by the system. This is the date when
the entry is to be given value for interest purposes.
Currency Select the Currency in which the customer wishes to make a deposit. Both
local currency and foreign currency are acceptable.
Account Enter the Customer Account number. This can be an account in any
currency.
Amount 1 Enter the Amount of the Deposit.
Amount 2 The actual amount posted to the customer’s account is displayed here.
Where foreign exchange is involved, for example, a local currency deposit is
made into a foreign currency account; the system automatically converts the
amount using the rate displayed in the Exchange Rate field described below,
and displays the FCY equivalent on this field. Alternatively, where an FCY
deposit is made into a Local Currency Account, the LCY equivalent is
displayed.
Exchange Rate The system displays the exchange rate as defined in System
Parameters>>General Parameters>>Currencies. You may overwrite the
exchange rate by entering the applicable value in this field.
Narrative Enter a narrative regarding the deposit if required.
Waive Charges Y/N This determines whether the charges normally associated with this
transaction type should be waived. Select either YES or NO from the drop
down list.
Charge Code This field contains a multi-value list of the charge and/or commission codes
to be applied to this transaction. The Charge Code is defaulted from the
TELLER.TRANSACTION record.
Charges If you entered NO to the prompt above, indicating that charges should NOT
be waived, the system will populate this field with the amount to be charged
on this transaction here. You may override the value in this field.
Net Amount The system displays the net value of the transaction in this field (Amount
deposited expressed in Local Currency less any charges).
Teller User Guide
Other Info
This tab provides further information; the transaction code, debit/credit marker, teller IDs involved in the
transaction and the contra account, in this example, the Cash Account of this till (USD10000-0004).
The tab is available on all Teller Transaction input screens, containing similar information and not repeated
through the rest of this user guide.
The AUDIT Version displays audit details such as who was the inputter, who the authorizer, and so on, which
are not available for entry or editing as they are automatically updated by the system.
Teller User Guide
Cheque Deposit
Overview
This function enables a teller to record a cheque that is to be deposited to a selected account and made available
immediately or after a clearance period, in this example 6 days.
Access
Teller Menu>>Transaction>>Cheque Deposit
The Header Section

On entering the Deposit Account number, the system automatically displays a summarized overview of the
account by displaying details such as account product, account opening date, current and available balances.
Any restrictions on the account, for example post no credits, post no debits and post no entries, are also
displayed here for your information. Kindly refer to the ACCOUNTS manual for more information. The values of
Option Description
Cheque Transaction Select the type of cheque deposit. Options are: Cheque deposit 0 days
(immediately available) and Cheque deposit with clearance, as per the local
clearing arrangements.
Teller User Guide
the entry is to be given value for interest calculation purposes.
Exposure Date The system sets the exposure date equal to the value date plus the number
of working or calendar days from the processing date. You may override this
date with the date on which the cheque is expected to be cleared.
(Alternatively known as the ‘clearance period’.) The exposure date is the
date on which the customer should be able to draw against the value of the
cheque.
Currency The Currency of the Customer Account is displayed.
Account Enter the Customer Account number. This can be an account in any
currency.
Amount Enter the Amount of the Deposit.
Narrative Enter a narrative regarding the cheque deposit if required.
Waive Charges Y/N This determines whether the charges normally associated with this
down list.
Charge Code This field contains a multi-value list of the charge and/or commission codes
to be applied to this transaction. The Charge Code is defaulted from the
Charges If you entered NO to the prompt above, indicating that charges should NOT
be waived, the system will populate this field with the amount to be charged
on this transaction here. You may override the value in this field.
Drawer Cheque No. Enter the Cheque number.
Drawer Account No Enter the Drawer’s Account as printed on the cheque.
Drawer Branch Code Enter the Branch Code as printed on the Cheque.
Drawer Name Enter the Account Holder’s name as printed on the cheque.
The AUDIT Version displays audit details such as who was the inputter, who the authoriser, and so on, which
Teller User Guide
Cash Withdrawal
Overview
This function enables a teller to accept and record a withdrawal made against an account held in the institution.
Access
Teller Menu>>Transactions>>Cash Withdrawal
The Header Section

On entering a withdrawal account number, the system automatically displays a summarized overview of the
account by displaying details such as account product, account opening date, current and available balances.
Any restrictions on the account, for example post no credits, post no debits and post no entries, are also
displayed here for your information. Kindly refer to the ACCOUNTS manual for more information. The values of
Signing instructions
The system automatically displays signing instructions that exist on this account. Additionally, the Customer
Number and identification details are displayed for your verification.
Option Description
Value Date The current system date is displayed by the system. This is the date when the
entry is to be given value for interest calculation purposes.
Teller User Guide
Cash Currency Select the Currency in which the Customer wishes to make a withdrawal. Both
local currency and foreign currency are acceptable.
Account Enter the Account to be debited with the amount withdrawn. You may select
this from the drop down list.
Amount 1 Enter the Amount of the Withdrawal.
Amount 2 The actual amount posted to the customer’s account is displayed here. Where
foreign exchange is involved, for example, a local currency withdrawal is made
from a foreign currency account; the system automatically converts the amount
using the rate displayed in the Exchange Rate field described below, and
displays the FCY equivalent on this field. Alternatively, where an FCY
withdrawal is made from a Local Currency Account, the LCY equivalent is
displayed.
Narrative Enter a narrative regarding the withdrawal if required. The information captured
here will be recorded on the account statement prepared for the customer,
Waive Charges Y/N This determines whether the charges normally associated with this transaction
type should be waived. Select either YES or NO from the drop down list.
Charge Code This field contains a multi-value list of the charge and/or commission codes to
be applied to this transaction. The Charge Code is defaulted from the
Charges If you entered NO to the prompt above, indicating that charges should NOT be
waived, the system will populate this field with the amount to be charged on
this transaction here. You may override the value in this field.
Net Amount The system displays the net value of the transaction in this field (Amount
withdrawn expressed in Local Currency plus any charges).
Teller User Guide
Issue LCY Bank Draft

Overview
This function enables a teller to issue a Bank Cheque. The cheque will be drawn on the institution’s account at
their Bankers. The Nostro or Control Account will hold the credit entry for bank reconciliation purposes.
Depending on the set up in your institution, cheques may be printed. The option to predefine a range of cheque
numbers for a working day is available.
Access
Teller Menu>> Transactions>> Issue LCY Bank Draft
Option Description
Debit Account Enter the number of the account to be debited with the amount withdrawn. You
may select this from the drop down list.
Credit Account The Nostro or Control Account that will hold the credit entry for bank
reconciliation purposes is defaulted here.
Amount Debited Enter the Amount of the Withdrawal.
Amount Credited The Credit Amount is defaulted here.
Payable To Enter the Payee name (The person who will be able to negotiate the Cheque).
Teller User Guide
Cheque Number Enter the number as recorded on the cheque form, or depending on the set up
at your institution, the system will populate this field with the next available
cheque number from the Cheque Register.
Commission Type In the event of a commission to be raised for this transaction, enter the
commission code here, defined in FT.COMMISSION.TYPE. Refer to the
chapters on Charges for more information.
Amount The system calculates and displays the commission amount or you may override
the value.
Teller User Guide
Cheque Encashment
Overview
This function enables a teller to cash a cheque without the need of processing the entry through a customer
account. The cash account of the teller processing the transaction is credited and the Nostro Account is debited.
Access
Teller Menu>> Transactions>> Cash Encashment
Fields for Entry
Option Description
Value Date The current System date is displayed by the system.
Cash Currency The Currency of the Nostro Account is defaulted here.
Account The Nostro or Control Account that will hold the debit entry for bank
reconciliation purposes is defaulted here.
Amount Enter the cheque Amount.
Narrative Enter any relevant information that will be printed on the Nostro account
statement.
Waive Charges This determines whether the charges normally associated with this transaction
type should be waived. Select either YES or NO from the drop down list
Sort Code Enter the sort code as recorded on the Cheque.
Cheque Number Enter the Cheque Account number as recorded on the Cheque.
Teller User Guide
Drawer Name Enter the Drawer’s name as recorded on the cheque.
Teller User Guide
Issue FCY Bank Draft

Overview
This function enables a teller to issue Bank Draft in foreign currency, typically a cheque drawn on a
correspondent bank in a currency that differs from the local currency of the institution.
Access
Teller Menu>> Transactions>> Issue FCY Bank Draft
Fields for Entry
Option Description
Value Date The current System date is displayed by the system. This is the date when the
Currency Select the Foreign Currency in which the Bank Draft is to be issued in.
Debit Account Enter the Account to be debited with the amount withdrawn. You may select
Credit Account The Nostro or Control Account that will hold the credit entry for bank
reconciliation purposes is defaulted here based on the currency selected.
Amount Debited Enter the value of the Bank Draft.
Amount Credited The Credit Amount is defaulted here.
Payable To Enter the Payee’s Name (The person who will be able to negotiate the cheque).
Cheque Number Enter the number as recorded on the cheque form, or depending on the set up
at your institution, the system will populate this field with the next available
cheque number from the Cheque Register.
commission code here, maintained in FT.COMMISSION.TYPE.
Teller User Guide
Amount The system calculates and displays the commission amount or you may
override the value.
Teller User Guide
Customer Account Transfer

Overview
This function enables a teller to transfer a specified amount of money from one account held at the institution
to another. The debit and credit accounts may be of different currencies.
Access
Teller Menu>>Customer Account Transfer
Option Description
the entry is to be given value for interest calculation purposes. The date
can be changed although Cash transactions typically take place in real-
time.
Debit Account Enter the Account to be debited with the transfer amount, or select it from
the drop down list.
Credit Account Enter the Account to be credited with the transfer amount. You may select
Amount Debited Enter the value of the Bank Draft.
Amount Credited The credit amount is defaulted here.
commission code here, maintained in FT.COMMISSION.TYPE.
Teller User Guide
Amount The system calculates and displays the commission amount or you may
override the value.
Teller User Guide
Multiline Operations
Multiline Operations supports the teller in the processing of a set of transactions for a customer on his/her
accounts from a single page.
The parameters to be defined are described in the Teller Financial Services section of this user guide.
Overview
Entries essentially take place on the TT, FT and/or DC applications.
The primary account (ACCOUNT.1) must be a valid Customer Account.
Option Description
Primary Account Enter the main account of the customer, all transactions will pass through
this account.
Customer The system displays the Customer number and name as enrichments
Transaction Select the transaction from the lookup list
Account Select the account to process the transaction to
Currency Select the currency of the transaction
Amount Enter the amount of the transaction
Deal Rate The rates will be populated once the record is verified, this rate may be
edited if permitted
Teller User Guide
Narrative Capture the narrative of the transaction, bearing in mind that this
information will be recorded on the customer account statement.
Complete the other tabs as required and commit the record.

Teller User Guide
Foreign Currency Exchange

Overview
Bank Customers may request foreign currency exchange over the counter. This function enables a teller to buy
or sell foreign currencies as per the Bank’s policy. The till balances/ cash accounts are updated accordingly.
Option Description
Value Date The current system date is displayed by the system.
Cust Buy Currency Enter the Currency requested by the customer. You may select this from
the drop down list.
Cust Sell Currency Enter the Currency presented by the customer. You may select this from
the drop down list.
Amount Debited Enter the Amount requested by the customer.
Amount Credited The system automatically converts the amount using the rate displayed in
the Exchange Rate field described below, and displays the sell currency
equivalent on this field.
Narrative Enter a narrative regarding the transaction if required.
Waive Charges This determines whether the charges normally associated with this
down list.
Teller User Guide
Teller User Guide
Charge Collection
Overview
This function enables a teller to collect various fees and charges from customers. The Customer’s Account is
debited and Charge Profit and Loss category code is credited.
Option Description
Cash Currency The Local Currency is defaulted here
Account Enter the Customer Account from which the charges are to be deducted.
Amount Enter the amount to be deducted from the Customer’s Account.
Narrative Enter a narrative regarding the transaction if required.
Waive Charges This determines whether the charges normally associated with this transaction
type should be waived. In this case, select the NO radio button.
Select Charges Select the Charges that the customer wishes to settles.
Charge Code The Charge Code selected is displayed here.
Amount The system calculates and displays the charge amount or you may override
the value.
Teller User Guide
Passbooks
Updating Passbooks (Definition)
It is possible to issue passbooks instead of statements to accounts enabled for passbook printing (duly defined
ACCOUNT.CLASS as SAVINGS). For such accounts, passbook field should be set as YES in the respective
account record. The TELLER.PASSBOOK application is set up for designing the passbook and ATTRIBUTE field
to link printer attribute. The PASSBOOK.DEVICE field of the TELLER.ID application indicates which printer device
is connected to this teller.
When an entry is passed across a passbook account from any application, the details are recorded and the
system updates the passbook when it is presented. The layout of the passbook must be defined in the
TELLER.PASSBOOK file. This describes the physical dimensions of the book in addition to 'header' type
information, for example, customer name and address, and positions of the debit/credit columns. In fact, the
entire content of the passbook is user definable through the TELLER.PASSBOOK application.
To set up the system for passbook printing, do the following:

1. Define the TELLER.PASSBOOK format.
2. Define the 'device' on the appropriate TELLER.ID record.
3. Ensure that the Terminal can support a local print function.
4. Sets up any printer attributes.
TELLER.PASSBOOK
The SYSTEM record definition has the client details printed when a new book is issued (NEW), the balance
carried forward as the first line of each page (FIRST) and the entries themselves on each detail line (LINE). It
also defines the dimensions of the passbook and any printer attributes that should be downloaded when the
device is initiated.
Assigning a Passbook device to a specific Teller using TELLER.ID

To inform the system that the Teller has access to a passbook device, the device name is entered on the
TELLER.ID record. The device name is used to form the key to the PRINTER.ATTRIBUTES file, which is made
up from PASSBOOK.DEVICE and the attributes, defined on the TELLER.PASSBOOK record in the ATTRIBUTE
field.
Updating Passbooks (Processing)

Once the Teller transaction is committed, the application TT.PASSBOOK.PRINT is launched. The ID of the
record is the Account Number that needs to be printed for. This application displays the page and line of the
passbook to be printed and the outstanding entries to print. The Teller can modify the page, line no, and instruct
that a new passbook be printed by using the fields on this application. If the teller does not wish to print the
passbook at this time then they can simply set the PRINT.PASSBOOK field to NO and commit. Print logic is not
invoked this time.
Once the Teller agrees with the PAGE.NO, LINE.NO and NEW.PASSBOOK fields, they should commit the record. Also,
note if deal slip printing is configured, then this can also be launched in a separate window.
Once this is committed, two things happen:

1. A new window containing the Passbook Print data appears.
2. The TT.PASSBOOK.PRINT application displays a confirmation message.
Passbook Print Window

In order print this, it is required to right click this window and select print; then the passbook printer needs to be
selected. The system requests confirmation that the passbook printed correctly. The Teller must now reply YES
or NO. If NO, then the user is taken back to the initial TT.PASSBOOK.PRINT screen.
Teller User Guide
Updating Passbooks (Reprinting)

When the passbook is not available at the time when the transaction is processed, this option is used to print
passbook entries at any time for an account using the application TELLER.PASSBOOK.REPRINT. Besides,
the account number the period for which the passbook to be printed should be specified in the fields START DATE
and END DATE as shown below.
Access
Teller Menu>>Passbook > Update Passbook
Fields for entry
Option Description
Account Enter the account number whose transactions are to be reprinted.
Start Date Enter the passbook reprint date range start
End Date Enter the passbook reprint date range end
Msg Display Enter any free format message (optional)
When the record is committed, the entry will be displayed on the dashboard as follows
Option Description
Click on this icon to view the Passbook Reprint details
Teller User Guide
Click on this icon to modify the Passbook Reprint details
Click on this icon to execute the Passbook Reprint as detailed below.
Passbook reprint procedure

1. Verify the record by clicking on the icon
2. Commit the record to confirm the print request
The transactions to be printed are displayed for verification.
Teller User Guide
3. Select Yes or No to confirm if the printing was successful. If user replies NO and commits, the initial
screen appears again. If the reply is YES, then transaction is now complete.
Teller User Guide
Cheques
Overview
The system provides functionality for Banks that have requirements to manage the issuing and registration of
cheques and bank drafts issued to their customers. Banks can record requests for cheque books ordered by
customers and when these cheques are received from the suppliers, issue them to the appropriate customer.
When a cheque book is issued to the customer, the range of the cheque numbers will be recorded into a cheque
register. Furthermore, when cheques are stopped or returned, this can also be recorded in the cheque register.
When cheques are presented, this is stored in a CHEQUES.PRESENTED file.
There is also the functionality to charge the customer for the issuing of cheque books, for charges to be applied
on the usage of cheques by the customers, and also a periodic charge for possession of a cheque book. Refer
to the chapter on Charges for more information.
On the presentation of a cheque, the cheque register is consulted to confirm that:
1. The Cheque number is valid for the account on which it is drawn;
2. The Cheque has not been stopped by the customer
Cheque Issue
This functionality enables Banks to issue cheques to customers.
Access
Teller Menu>>Cheques > Issue Cheques
Option Description
Cheque Status This field helps to keep track of cheque issue status. Various cheque status,
for example Cheque request received, Cheque sent for printing, Issued etc.
can be maintained. Select the Cheque status 90 from the drop down list, to
indicate cheque issue.
Account Currency Specify the Currency of the Account to which the cheques are issued
Issue Date Enter the date of the Cheque issue
Number Issued Specify the number of Cheques being issued
Stock Register ID Select the Stock Register in use. If applicable.
Stock Series ID Enter the Stock Register ID
Teller User Guide
Starting Cheque No. The starting number or the cheque number of the first cheque in the
chequebook. Cheque numbers are recorded in the CHEQUE.REGISTER file.
For example, entry of an issue with a start number of 000100 will record
000100-000124 in the CHEQUE.REGISTER for a 25-cheque issue.
If valid Stock register ID and Series ID are given in the previous fields, The
cheque start number from the STOCK.REGISTER is defaulted here.
Waive Charges Select 'NO' to indicate that cheque issues charges are to be collected or 'YES'
to indicate that charges are to be waived.
Charges The charges defined for the cheque issue are defaulted here.
A charge structure for the cheque type concerned can be defined on the
CHEQUE.CHARGE table. The current cheque holding for the account is held
on the CHEQUE.REGISTER. The charges to be raised online are calculated
using details from these tables and will default into this field. The amount
defaulted may be overridden with any other required amount.
Charges in cheque control are always raised in local currency
Charge Date The value date on which online charges are raised by the issue is defaulted
here.
Charge Code In addition to the charges defined in the CHEQUE.CHARGE, additional

charges may be defined for the cheque issue process.
Charge Amount The charge amount, as given in charge code field is defaulted here.
Tax Code Indicates the Tax record, or Tax Type Condition record which specifies the
tax calculation and processing applicable to the Charge Type.
If this code is defined in FT.CHARGE.TYPE or FT.COMMISSION.TYPE
record and if that record is selected as Charge Code for the Cheque Issue,
then the code and the tax amount will be automatically populated by the
system as a no input field.
Tax Amount This field defines the tax amount applicable for the tax code that has been
specified in the charge type
Once the Charge Code is entered and if that charge/ commission type of the
charge code includes a valid tax code then the tax code and tax amount are
automatically displayed by the system

Teller User Guide
Stop Payment of Cheques

Overview
This option allows all stop payment instructions to be recorded. These are input against the account to which
they relate. All stop instructions for one account are maintained on the same record. The DATA.CAPTURE,
TELLER and FUNDS.TRANSFER applications then use this record to validate against when processing a
cheque.
Charges and taxes can be collected for the stop payments recorded. Charges can be a valid charge or
commission code from FT.CHARGE.TYPE or FT.COMMISSION.TYPE and can be defaulted from the
PAYMENT.STOP.TYPE or can be defined by the user for the particular stop payment. If a tax is associated with
these charges then the tax is also booked. When the WAIVE.CHARGE field is set to ‘NO’ or holds no value
then the charges can be defaulted from the above PAYMENT.STOP.TYPE.
Access
Teller Menu>>Cheques > Stop Payment of Cheques
Option Description
Account Currency Enter the Currency of the Account to which the request is related.

Teller User Guide
Customer ID Enter the Customer Number to whom the Account belongs
Payment Stop Type Select from the drop down list the reason for stopping the payment. The
list of payment stop types is maintained in the PAYMENT.STOP.TYPE
table.
First Cheque Number Enter the Cheque number to be stopped. Else, the first cheque number
in a range of cheque numbers to be stopped.
Last Cheque Number Enter the last Cheque number in a range to be stopped
Cheque Type The type of Cheques to be stopped
Stop Date Specify the date on which the Payment Stop is placed
Stop Expiry date Specify the future Date up to which the entered Stop Payment instruction
is valid.
Amount From Specifies the Amount From which the Payment Stop is effective.
If AMOUNT TO (below) is also input, then all cheques with amounts
between or equal to the two values will be warned on-line as suspect
stopped cheques and will request an override message.
Amount To Specifies the Amount up To which the Payment Stop is effective.

This field is used, in conjunction with AMOUNT FROM (above) to specify the
amount of the cheque(s), which are to be stopped. All cheques with
amounts between or equal to the two values will be warned on-line as
suspect stopped cheques and will request an override message.
Beneficiary The payee of the cheque to be stopped
Remarks Any free format remarks concerning the Payment Stop
Waive Charges Select 'NO' to indicate that charges are to be collected on this
PAYMENT.STOP.TYPE or 'YES' to indicates that charges are to be
waived for this particular stop payment
Charge Code Any valid FT.CHARGE.TYPE or FT.COMMISSION.TYPE codes with flat

amounts can be input. If populated then charges as per this charge
code/codes will be calculated and the charge code/codes attached to the
PAYMENT.STOP.TYPE will be ignored, provided WAIVE.CHARGE field is
set to 'NO'
Charge Account Specify the Account into which charges are to be booked. If no Account
no. is given then the customer account is defaulted. The Charge Account
need not be in the same currency as the Customer Account.
Charge Currency The Currency of the Charge Account is defaulted here
Charge Amount The Charge Amount, either as per the charge code attached to the
Payment stop type field or as given in charge code field multiplied by
number of leaves is defaulted here. The facility to define any amount
other than the defaulted charge amount is also available.

Teller User Guide
Revoke Stop Payment

Overview
This option allows customers to revoke stop payment instructions.
Access
Teller Menu>>Cheques > Revoke Stop Payment of Cheque
Option Description
Account Currency The Account currency is displayed here.
Customer ID The Customer ID is displayed here
Amount From Displays the amount from which the Payment Stop is effective
Amount To Displays the amount to which the Payment Stop is effective
Revoke Y/N Select 'YES' to indicate that the stop payment is to be revoked
Cheque Nos to Revoke Enter the Cheque numbers for which the payment stop instructions are
to be revoked.
Individual Cheque Number alone can be entered here to revoke single
payment stop instruction or to revoke for a range of cheques - specify the
start and end range of cheque Numbers (i.e. to revoke stop payment for
cheque no 1001 to 1010 - specify here 1001-1010)
Charge Type Input the CHEQUE.TYPE to which the cheque number entered in the field
Cheque numbers to revoke belongs.
Stop Revoke Date The date entered here is the date from which the payment stop
instructions stands withdrawn.
When a future date is given here, the stop payment instruction is revoked
only on that date. If a future date is entered, the system will provide an
error message.

Teller User Guide
Cheque return
Overview
This option allows customers to return unused cheques. Only a cheque that has not been previously presented
or stopped can be flagged as being returned.
Access
Teller Menu>>Cheques > Cheque Return
Option Description
Issued To Date The number of Cheques of this type that have been issued since the
opening of the account.
Used To Date The number of Cheques of this type that have been used since the
opening of the account.
Issued this Period The number of Cheques of this type, which have been issued to the
account in this charging period.
Used this Period The number of Cheques of this type, which have been used in this
charging period.
This field records the number of Cheques of this type used during the
current charging period. It may be updated by the user if required but
would normally be increased as each incoming cheque debit is
processed. This value will determine the periodic usage charges to be
raised if any are defined in the CHEQUE.CHARGE table
Cheque Nos A record of the ranges of Cheque numbers issued to the Account.
Each issue of Cheques must specify a Cheque start number.
This field contains a list of the ranges of cheque numbers held based on
the starting cheque number entered in each issue record.

Teller User Guide
Returned Cheques Indicate the cheque number that has been returned. Only a cheque that
has not been previously presented or stopped can be flagged as being
returned.

Teller User Guide
Cheque Register
Overview
The start and end numbers of a batch of cheques need to be entered on the system at the start of each day.
When cheques are issued, the system populates the record with the next available cheque number and updates
the register accordingly.
Access
Teller>>Head Teller >>Cheques>>Cheque Register
Procedure
1. Select the menu option.
2. Enter XX YYYYMMDD in the ID bar. XX represents the cheque printer and YYYYMMDD represents the
day for which you are updating the cheque numbers that are available for printing.
3. Click on the Edit button.
4. Enter all the required details as described below.
5. When everything has been completed click on the Commit button.
Note: The transaction does NOT require authorisation.
Option Description
Start Cheque Number Enter the first Cheque number in the batch.
End Cheque Number Enter the last Cheque number in the batch.
Single Cheque Number If the batch comprises only one cheque, enter the number here.
Single Cheque Status If the batch comprises only one cheque, the status needs to be
manually updated. Options are:

Teller User Guide
 New
 Reverse
 Current: the cheque has been issued/printed.
Change Default Printer

Overview
This application is used to change the default printer for the teller. It is typical that Tellers change workstations
from time to time and to ensure that the deal slips, reports and cheques are printed to the printer/s assigned to
the workstation, it is necessary to change the settings on the system accordingly.
Note: The user is to log out and log in to the system in order for the change to take effect.
Access
Teller Menu>>Head Teller>>Cheques
Option Description
User Name The current operator’s user ID is defaulted here.
Cheque Printer Enter the Cheque Printer ID or select from the lookup list.
Report Printer Enter the Report Printer ID or select from the lookup list.
Deal Slip Printer Enter the Deal Slip Printer ID or select from the lookup list.
Note: Each of the print jobs may be sent to a different or the same printer.

Teller User Guide
Head Teller Enquiries

A number of enquiries are available on the Head Teller menu to help with administration of tills during the
business day.
Currency Rates
Overview
This report displays the prevailing currency exchange rates.
Access
Head Teller Menu>>Till Enquiries>>Currency Rates
When the enquiry displays, it will appear like the screen shown below.
This screen displays the Enquiry Toolbox allowing you to perform the functions such as print and
save in a variety of formats.

Teller User Guide
Cash Position Teller

Overview
This report displays the cash position per Teller.
Access
Head Teller Menu>>Till Enquiries>>Cash Position Teller

Teller User Guide
Cash Position CCY

Overview
This report displays the cash position per Currency.
Access
Head Teller Menu>>Till Enquiries>>Cash Position CCY

Teller User Guide
Today Account Balances

Overview
This report displays the real-time balances on the Till (Internal) Accounts.
Access
Head Teller Menu>>Till Enquiries>>Today Account Balances
Till Exceptions
Overview
This report displays unauthorized transactions from Teller operations.
Access
Head Teller Menu>>Till Enquiries>>Till Exceptions

Teller User Guide
Teller Enquiries
Currency Rates
Overview
This report displays the prevailing currency exchange rates.
Access
Teller Menu>>Teller Enquiries>>Currency Rates

Teller User Guide
List of Overages and Shortages

Overview
This report displays the Teller Shortages and Surpluses.
Access
Teller Menu>>Teller Enquiries>>List of Overages/Shortages
Screen

Teller User Guide
Entries Posted Today

Overview
This option produces a report of all entries processed per teller for the current date. It will assist with resolving
teller imbalances.
Access
Teller Menu>>Teller Enquiries>>Entries Posted Today>>All Entries Posted Today
Screen

Teller User Guide
Cheques Deposited Today

Overview
This report provides details of all cheques received from Customers for Deposit today.
Access
Teller Menu>>Teller Enquiries>>Entries Posted Today>>Cheques Deposited Today
Screen
You are able to view the transaction by clicking on the icon to the right side of the data in the enquiry.

Teller User Guide
Cheques Issued Today

Overview
This report provides details of cheques issued to Customers during the course of today.
Access
Teller Menu>>Teller Enquiries>>Entries Posted Today>>Cheques Issued Today
Screen
You are able to view the transaction by clicking on the links to the right side of the data in the
enquiry.

Teller User Guide
Bank Drafts Issued Today

Overview
This report provides details of Bank Drafts issued for Customers today.
Access
Teller Menu>>Teller Enquiries>>Entries Posted Today>>Bank Drafts Issued Today
Screen
You are able to view the transaction by clicking on the option to the right side of the data in the
enquiry.

Teller User Guide
Summary of Transactions
Overview
This report provides a summary of all transactions processed today.
Access
Teller Menu>>Teller Enquiries>>Entries Posted Today>>Summary of Transactions
Screen

Teller User Guide
List of Funds Transfers Transactions

Overview
This report provides details of Funds Transfer Transactions processed today, can include Bulk Standing Orders
for information purposes.
Access
Teller Menu>>Teller Enquiries>>Entries Posted Today>>List of Funds Transfer Transactions
Screen

Teller User Guide
Cheques Deposited Prior to Today

Overview
This report provides details of cheques deposited prior to today.
Access
Teller Menu>>Teller Enquiries>>Entries Posted Prior to Today>>Cheques Deposited Prior To Today
Screen
enquiry.

Teller User Guide
Cheques Issued Prior to Today

Overview
This report provides details of cheques issued prior to today.
Access
Teller Menu>>Teller Enquiries>>Entries Posted Prior To Today>>Cheques Issued Prior To Today
Screen
Banks Drafts Issued Prior to Today

Overview
This report provides details of Bank Drafts that were issued to Customers prior to today.
Access
Teller Menu>>Teller Enquiries>>Entries Posted Prior To Today>>Bank Drafts Issued Prior To Today
Screen
enquiry.

Teller User Guide
Transactions Prior to Today

Overview
This report provides a summary of transactions processed per day per user prior to today.
Access
Teller Menu>>Teller Enquiries>>Entries Posted Prior To Today>> Transactions Prior To Today
Screen
This screen displays the Enquiry Toolbox allowing you to perform the functions such as print and save in a
variety of formats.

Teller User Guide
Notes
Use this page to record your own notes.

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Parameters, Head Teller and Teller

Information in this document is subject to change without notice.

© 2018 Temenos Headquarters SA - all rights reserved.

Document History ..........................................................................................................................................6

Information in this document is subject to change without notice.

© 2018 Temenos Headquarters SA - all rights reserved.

Define Currency Denominations on Teller Record ......................................................................................29

Cheque Deposit ...........................................................................................................................................78

Author Version Date

Esther Muniu 1.0 30th Nov 2018

Lynn Petersen 2.0 20th June 2019

V2.0 Updated, added parameter and other configuration tables.

Customer account balances

Unauthorised transactions in close of business

Live records move to history

Fields for entry

Field Name Description

Tran Category Specifies the teller cash accounts category codes.

Vault ID Specified the ID of the vault as defined on the TELLER.ID file.

Vault Desc A description of the vault defined in Vault ID.

Modify Charge Code This field contains the ID of a FT.CHARGE.TYPE or FT.COMMISSION.TYPE

Multi Tills Options in this field are ‘Yes’ or blank.

Reprint Mode Not currently supported.

Fields for entry

Field Name Description

Mandatory Ref No Specifies whether the inclusion of a Reference Number is to be mandatory

Swift Narrative Specifies the SWIFT description of the Transaction.

Initiation Specifies who is responsible for initiating the Transaction.

Defining Teller Transactions

Fields for entry

Field Name Description

Description Describe the transaction type

NOTE: With the introduction of Multi Line Teller Transactions, it is required

Set up the Vault

Fields for entry

Field Name Description

Comments Any relevant information may be captured here.

The vault internal ACCOUNT records are defined as:

Set up the Tills

Open/Close the Till

Till transfer in local currency

Till transfer in foreign currency

View Transactions Today

Teller till position by currency

Fields for entry

Field Name Description

Comments Any relevant information may be captured here

Fields for entry

Field Name Description

ID The ID of an internal account is compiled as follows:

Account Name The Account Title.

Currency Identifies the Currency of the Account.

Opening Date The date when the account was opened.

Multi.Tills Permitted values are (1) Yes and (2) Null.

Max Tills Any numeric between 1 and 99 may be input.

Concept of linked tills

LINKED.TILLS This field accepts any valid TELLER.ID.

The closure of tills is done individually.

TILL.TRANSFER.ONLY This field accepts either ‘YES’ or ‘NULL’

The table requires a single input, in this case ‘cash’.

The second step is to define the denominations.

Fields for entry