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Teller Operations Guide
 
  1. PURPOSE AND OBJECTIVES
  1. The Bank and Your Role
  2. What is a Bank?
  3. The Development of Banking
  4. The Federal Reserve System
  5. Basic Bank Bookkeeping
  6. Respect Your Instincts
  1. CASH
  1. Cash Security
  2. Cash Handling Guidelines and Drawer/Vault Limits
  3. Teller Daily Self-Audit Checklist
  4. Ordering Cash
  5. General Cash Balancing Tips
  6. Counterfeit Currency
  1. CHECKS
  1. Types and Parts of a Check
  2. Federal Reserve Bank Regions and MICR Guidelines
      -   Flowchart of "On-Us Checks"
  3. Check Cashing Limits and Procedures
  4. Check "Cash-Ability"
  5. Endorsements
  6. Availability of Funds and Check Holds
  7. Post Dated and Stale Dated Checks
  8. Check Processing and Collection
  9. Check Fraud
  1. CUSTOMER IDENTIFICATION
  1. Identification Procedures Checklist
  2. Six Point Test
  3. Requesting Identification
  4. Examining Identification
  5. Customer Identification Tips
  1. BANK SECURITY
  1. Opening Procedure Guidelines
  2. General Closing Procedures
  3. Vault Security Guidelines
  4. Cash Control Guidelines
  5. Bait Money Guidelines
  6. Guidelines for Transporting Cash and Other Valuables
  7. General Security Guidelines
  8. Robbery Prevention and Response Techniques
  9. Kidnapping and Extortion
  10. Bomb Threats
  11. Threatening Calls
  12. Riots and Civil Disturbances
  1. DEPOSIT ACCOUNT GUIDELINES
  1. Ownership Categories
      -   Ownership Checklists
      -   Account Class Codes
  2. Product Categories
      -   Account Type Codes
  3. Money Market Deposit Account Transaction Guidelines
  4. Statement Cycles
      -   Cycle Codes
      -   Statement and Imaged Check Samples
  5. Fees and Service Charges
      -   Service Charge Codes
  6. Transaction Codes
  1. FDIC INSURANCE
  1. General Guidelines
  2. Insurance Account Ownership Categories
  1. ATM AND DEBIT CARD PROGRAMS
  1. Plastics Inventory
  2. PIN Inventory
  3. Card Issuance and Replacement Procedures
  4. Maintenance Transactions
  5. Lost or Stolen Cards
  6. Error Resolution
  7. ATM Balancing
  8. ATM Troubleshooting
  1. MISCELLANEOUS CUSTOMER SERVICES
    1. ACH Originations
    2. Check Orders
    3. Collection Items
    4. Credit Card Cash Advances
    5. Daily Unposted Processing (NSF Items)
    6. Direct Deposit Signup
    7. Loan Payments
    8. Loan Payoffs
    9. Night Deposit Services
    10. Official Checks
    11. Overdrawn Accounts and Account Charge-Offs
    12. Safe Deposit Boxes
    13. Savings Bonds
    14. Stop Payments
    15. Sweep Accounts
    16. Traveler’s Checks
    17. Treasury Tax and Loan ("TT&L") Payments
    18. Wire Transfers
  1. ADMINISTRATIVE FUNCTIONS
  1. Retail Office Audit Program
  2. Terminal Sign-On and Sign-Off Procedures
  3. Mail Procedures
  4. ChexSystems
  1. BANK SECRECY ACT
  1. Regulatory Requirements
  2. Currency Transaction Reports ("CTR")
  3. Suspicious Activity Reports ("SAR")
  1. CUSTOMER RESEARCH REQUESTS
  1. Research Request Form
  2. Research Fees
  1. APPENDICES
  1. Sample Customer Notices
  2. CSR General Ledger Chart of Accounts
  3. Teller General Ledger Chart of Accounts
  4. Major Regulations at a Glance
  5. Who to Contact in an Emergency

   

         

                                                                  

 

                                                  This page last updated June 25, 2001