As a bank teller I find it necessary to say afew word to the banking illiterate.
First, if you want to make a deposit, you should bring a deposit slip. They are quite handy and usually located in the back of your checkbook. Now when you are filling it out the top line says "CASH." This is where you should write in any cash that you are depositing. Any checks you are depositing should not be listed there, but instead on the following lines that have a place for you to put a check number.
Secondly, if you would like some cash back from your deposit you need to write that amount in the "Less Cash recieved" line just above the total. If you want to do this you also must sign the space provided labled "Sign here for cash recieved." This is to protect the teller from giving money from your deposit to someone other than you. In the event that you forget to sign this part, your teller will ask you to do it. Now this is not a cue for you to cuss him or her out. They are actually trying to protect you not harass you so please bear that in mind.
Moving right along...cashing checks. If you go to the bank to cash a check do not be shocked when you are asked for and ID. This is simply a way of protecting our customers. It's actually pretty standard opperating procedure, and unless having your identity stolen really trips your trigger you should smile and cooperate.
Lastly. When you open an account you are given a little booklet called a register. Now you are supposed to right down the checks you right to people and the checks you deposit into your account. In the instance that the checks you right out amount to more than the checks you put in you will be in the negative. This is not my fault. I realize it is inconvenient and you will be charged fees, but again, I didn't do it. You will have to take care of it yourself, and cussing me out will not make me have sympathy for your situation.
These are just a few things to keep in mind next time you visit your bank. :)
Thursday, December 18, 2008
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