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TELLER
Second level
Third level
COURSE MAP

During the next sessions

on TELLER module, we

ES

ST
shall be discussing

PL

RU
AM
• The TELLER structure with set

CT
up

EX

UR
E
• Special features of T24 TELLER
module TELLER
• User needs such as, Enquiries,

US
Reports, Accounting and EOD E S

ER
R
process TU

NE
E A
• Example inputs in relevant F

ED
applications, files

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OBJECTIVE

Objectives are to understand

• TELLER structure T24
• Related Tables and applications
• Pre-set up requirements
• Process of Teller transactions
• Special features of TELLER in T24
• Enquiries and information generation
• Accounting in TELLER
• Understand the EOD Process

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COURSE AGENDA

SESSION I
• TELLER functionalities
• Pre-set up
• Tables and applications in the module
• Parameterization

BREAK

SESSION I
• Special features
• Enquiries and Reports
• End of Day/Close of Business process
• Examples and Workshop exercises

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TELLER FUNCTIONALITIES

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INTRODUCTION
TELLER FUNCTIONALITIES

• Designed to provide a retail cash operation

• Used for posting entries between the tills and Customer or
Internal accounts
• Can be linked with signature verification and passbook
printing
• Provides reporting and enquiry tools
• Integrated with Limits and Accounting
• Generates double entry
• May not need authorisations

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FUNCTIONS OF TELLER MODULE
TELLER FUNCTIONALITIES

Internal functions as well as Customer functions such as,

• Cash Deposit- Local and foreign currency
• Cash Withdrawal- Local and foreign currency
• Foreign Currency Purchases
• Foreign Currency Sales.
• Cheque processing- local and foreign currency
• Account transfers
• Currency rates

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DAILY OPERATIONS
TELLER FUNCTIONALITIES

Typical Teller operations can be listed as follows:

• Open till
• Transfer funds from the Vault
• Assorted Customer transaction processing
• Transfers (between tills) in local and foreign currency
• Transfer funds back to the Vault
• Teller positions
• Close till.

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FUNCTIONS OF HEAD TELLER
TELLER FUNCTIONALITIES

• Creation and Modification of Teller

• Maintaining till status
• Open and Close till
• Till transactions in local and foreign currencies
• Cash position- currency wise
• Cash position- teller wise
• Position of accounts
• Account entries made on the day

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CASHIER FUNCTIONS
TELLER FUNCTIONALITIES

• Deposits, withdrawals and transfers to Accounts.

• Local currency.
• Foreign currency.
• Account Enquiries
• Currency Rate Enquiries.
• Interest Rate Enquiries.

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OPENING TILLS
TELLER FUNCTIONALITIES

• TELLER.ID must be opened and assigned to a specific USER.

• The system will ensure that only that user can input transactions to
that till.
• It is possible to change the current teller/user without closing the till
by assigning a different user.
• Similar to the practice of Teller visually checking the cash in their till
prior to the start of the day’s work

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CLOSING TILLS
TELLER FUNCTIONALITIES

• Balancing the Till by the amount of currencies.

• Balancing the Till by entering the denominations (thereby
calculating the amount).
• Compensating where the Till is short in a currency.
• Compensating where the Till is over in a currency.
• Authorizing the Till closure.

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PRE-SET UP

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LINKED APPLICATIONS
PRE-SET UP

• USER • STATIC.TEXT

• TRANSACTION • BC.SORT.CODE

• CATEGORY • TERMINAL

• ACCOUNT.CLASS • DATA.CAPTURE

• ACCOUNT • FUNDS.TRANSFER

• ACCOUNT.CLOSURE • PRINTER.ATTRIBUTES

• CURRENCY • DEAL.SLIP.FORMAT

• CURRENCY.MARKET • FT.CHARGE.TYPE

• CURRENCY.PARAM • FT.COMMISSION.TYPE

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FILES AND TABLES
PRE-SET UP

• TELLER.PARAMETER
• TELLER.ID
• TELLER.DENOMINATION
• TELLER.TRANSACTION
• TELLER
• TELLER.PASSBOOK
• TELLER.PASSBOOK.UPDATE
• TELLER.PASSBOOK.PRINTED
• TELLER.DEFAULT
• TT.GROUP.CONDITION

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PRE SET UP
PRE-SET UP

• Create Teller IDs

• Create Internal accounts with CATEGORY codes used by the TELLER
system- ID:CURRENCY-CASH CATEGORY-TELLER
• ID Example: PLN-10001-0090
• Set up the vault
• Load the vault with cash (using Data capture/FT)
• Set up tills, each associated with a USER
• Define types of transactions through TELLER.TRANSACTION

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VAULTS
PRE-SET UP

• ID is defined in the TELLER.ID file. ID- 4 Numeric characters.

• Cannot be opened or closed
• Transfers to and from the teller cash accounts only, are allowed
• Multiple vaults are allowed.
• Should be defined in the TELLER.PARAMETER before entering the
id on the TELLER.ID file
• If present on the TELLER.ID file then the status and user fields must
be null.

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TABLES AND APPLICATIONS

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TELLER.PARAMETER
TABLES AND APPLICATIONS

Defines details such as,

– Category codes for OVER or SHORT position in TELLER
– Transaction codes for OVER or SHORT POSITIONS
– Description and ID of the Vault
– Transaction codes for rounding of entries
– Whether charges are to be split or not
– Versions
– Category codes for market exchange profit

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TELLER.PARAMETER
TABLES AND APPLICATIONS

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TELLER.ID
TABLES AND APPLICATIONS

• Open tills
• Assign users to tills
• Close and balance tills.
• Transactions can be performed only when the till is OPEN and an
USER, through a TELLER.ID is assigned to the till.
• A USER can be assigned only to one till at any time
• USER can be transferred to another till without performing a CLOSE
of the till where he is operating.

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TELLER.ID
TABLES AND APPLICATIONS

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TELLER
TABLES AND APPLICATIONS

• Processes all retail transactions

• Self –balancing entries are generated
• Current USER must be assigned to an open till number before input
in TELLER
• This number is prompted for on entry of the user's first transaction.

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TELLER.TRANSACTION
TABLES AND APPLICATIONS

• Controls all defaults for different versions of TELLER

• Defines
– Defaults and validations to be used for teller transactions
– the accounts to be used for both sides of the transaction
– the charges to be applied (if any)
– Whether charges can be split or not
– the transaction codes,
– currency markets
– delivery

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TELLER.DENOMINATION
TABLES AND APPLICATIONS

• T24 can keep track of the currency notes/bills and Traveler’s checks
by currency and denominations.
• Description and value of the denominations in use for each currency
can be defined
• The basic requirements for using this are:
• Internal Accounts in the Travelers check currency
• TELLER.DENOMINATION records for the face value of the checks
• The serial mask/check digit routine on the Account

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TELLER.DEFAULT
TABLES AND APPLICATIONS

• Provides an interface between other modules within T24 and

TELLER.

• Data from this file will be loaded in TELLER application when a

relevant reference number is input in field OUR.REFERENCE

• Presently, this facility is available for ACCOUNT.CLOSURE and for

processing of coupon repayments for certificates of deposit.

• Record cannot be reprocessed.

• Layout is similar to TELLER with some additional fields for free

format data , process date and the transaction reference number.

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TELLER.DEFAULT
TABLES AND APPLICATIONS

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TELLER.PASSBOOK
TABLES AND APPLICATIONS

• Defines the format of the data output on a savings account passbook.

There is one record allowed in this file, "SYSTEM".
• Holds definition for data such as:
– when a new passbook is issued, such as the customer's name &
address.
– when a new page is printed, such as the balance brought forward.
– when an entry is printed such as the transaction amount, debit/credit
column, balance etc.
– The last line of the page is printed such as balance carried forward.
– The last page of the passbook is printed, such as New book issued
message.

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TELLER.PASSBOOK
TABLES AND APPLICATIONS

• Defines the format of the data output on a savings account

passbook.
• Definitions contained are:
– Customer's name & address when a new passbook is issued.
– Balance brought forward when a new page is printed
– Transaction amount, debit/credit column, balance etc when an
entry is printed
– Balance carried forward when last line of the page is printed
– New book issued message when the last page of the passbook is
printed.

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TELLER.PASSBOOK
TABLES AND APPLICATIONS

The data printed can be any field from the following files:
• ACCOUNT
• CUSTOMER
• COMPANY
• TRANSACTION
• CURRENCY
• ACCOUNT.STATEMENT
• STMT.ENTRY
• CATEGORY
• DEPT.ACCT.OFFICER

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TELLER.PASSBOOK
TABLES AND APPLICATIONS

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TELLER.PASSBOOK.UPDATE
TABLES AND APPLICATIONS

• For a simple updating of a passbook without having to process a

transaction
• Type ‘V' application and updates the passbook when the verify
function is used.
• Number of accounts can be processed
• A list of accounts or the account number, should be entered in the
application in Verify mode.

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TELLER.PASSBOOK.REPRINT
TABLES AND APPLICATIONS

• Facilitates printing of passbook at any time

• No need to wait till the passbook update is set to yes
• Account number and the period for which the passbook is to be
printed should be specified in the fields START DATE and END DATE

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SPECIAL FEATURES

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SIGNATURES
SPECIAL FEATURES

• For Account or Customer

• Established using Image Management module

• Visual verification against screen display:

An actual signature can be captured and attached to a Customer or

Account record.

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SPLITTING CHARGES
SPECIAL FEATURES

• Accounting entries are raised as netting when charges and taxes are
input
• Instead of generating a single credit or debit entry after netting the
charges, tax etc., the entries can also be split for full transaction
amount and separately for the charge and tax related amounts.
• Field relevant is SPLIT.CHRG.ENTRIES In TELLER.PARAMETER and
in TELLER.TRANSACTION
• Feature not available for transactions done through Multi–line Teller.
• It is defaulted to TELLER.TRANSACTIONS created subsequently.

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MULTI-LINE DEALS
SPECIAL FEATURES

• Deals are combined to give benefit of charges and commissions for

a total amount instead of charging for each deal for a Customer
with a number of transactions.
• Multiple sale transactions can be processed, whilst building a
running total for charge/commissions.
• Total of sales is taken into consideration before applying defaults
such as minimum commissions taking a multi- line as a complete
unit
• Charges can be standard or modified
• Customer-specific

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MULTI-LINE TELLER DEALS
SPECIAL FEATURES

• Deal comprises of a Master transaction containing links to each

'child' or 'leg' and controls the overall charges and accounting of the
'set'.
• Character '-' in place of the id has to be input
• Deal Slips are produced through Enquiries
• Authorization, Reversal and Copy is done through the Master Deal
only
• Deals can only be input through Desktop or GUI interface
• Can also be viewed but not input through Classic mode

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TT.GROUP.CONDITION
SPECIAL FEATURES

• Enables applying a preferential Charges and Commissions different

from the one defined in the Charge/Commission Type Tables.
– to a CUSTOMER
– A Group of Customers (a contract group created using
APPL.GEN.CONDITION such as Staff)
• Preferential settings made in TT.GROUP.CONDITION will apply for
all the TELLER transactions made for the customer/group

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TT.GROUP.CONDITION
SPECIAL FEATURES

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ADVICE PRINTING
SPECIAL FEATURES

• Advices can be printed from any teller transaction.

• DEAL.SLIP.FORMAT file defines the format and content
• DEAL.SLIP.FORMAT key should be entered in the field
ADVICE.VERSION on TELLER.TRANSACTION record.
• PRINT.ADVICE field in the TELLER.TRANSACTION record should be
set to 'Y‘
• The advice is printed whenever the PRT.HOTKEY is depressed,
which is defined on the TERMINAL record, or if the deal slip button
is clicked when using the GUI.
• Can be printed at any stage during the transaction

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ENQUIRIES & REPORTS

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ENQUIRIES
ENQUIRIES & REPORTS

• ENQ TELLER.POSITION Balances with specific Tellers

• ENQ TELLER.OVERALL Teller position currency wise
• ENQ TC.STOCK Stock of TC s by category, currency
and Teller ID
• ENQ TC.STOCK.IN.BANK Stock held by currency, denomination
• ENQ TC.STOCK.IN.TRUST Stock allocated to Trusted client
• ENQ RETAILER.STOCK TC stock held at a specific site
Enquiries through STMT.ENT.TODAY for the internal accounts

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ENQ TELLER.POSITION
ENQUIRIES & REPORTS

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ENQ TELLER.OVERALL
ENQUIRIES & REPORTS

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ENQ TC.STOCK.IN.BANK
ENQUIRIES & REPORTS

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ENQ TC.STOCK
ENQUIRIES & REPORTS

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END OF DAY

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EOD FUNCTIONS
END OF DAY

• TT.END.OF.DAY.
• 2 functions are performed at this level.
– All unauthorised transactions are removed and placed on hold.
– All authorised transactions are transferred to history.
• Hence, under normal circumstances, the transaction file is empty at
the start of each day.

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EOD FUNCTIONS
END OF DAY

• If passbook processing is active then the End of Day process,

TELLER.PASSBOOK.STMT, will update ACCOUNT.STATEMENT and
associated files with the details of passbooks updated today
TELLER.PASSBOOK.PRINTED. This process emulates the updates
that would take place if a statement had been produced - a
passbook update is viewed as a statement by the system.

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TELLER ACCOUNTING TRAVELLERS CHEQUES
END OF DAY

ON RECEIPT OF STOCK AT BANK:

• Debit TC Stock Account
• Credit TC Contra Account
ON RECEIPT OF STOCK AT BANK:
• Debit Client TC Amount and Charges
• Credit PL with Charges
• Credit Stock Account
• Pay Issuer for Day’s Sales
• Credit NOSTRO (in cover of payment)
• Debit Contra Account
Similar accounting in case of Travellers cheques transactions on
behalf of Trusted Clients also.

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SUMMARY

• We have made an attempt to understand the T24 TELLER module

with its functionalities and set up
• You will, now, be able to set up the TELLER tills in your bank and
input all types of Customer transactions

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