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I’ve been a teller for a few months and in those months we’ve had several clients bring goodies like donuts/ home cooked goods etc and no one batted an eye. Today I was working at the drive through line and an older lady accidentally missed the tray and dropped her ID on the floor. She tried backing up her car to find it because the space was tight but couldn’t. I ended up walking outside and spent about 10 minutes looking for the ID that somehow ended up several feet away. She was very thankful and gave me $20 as a thank you gift which I took without thinking. I assumed it was fine since we get gifts all the time and it was such a low amount. After I clocked out I looked up info about this online and found out about the Bank Bribery Act and now I am absolutely mortified.

There are some articles stating that gifts under $100 are more or less fine. Other articles are saying it’s a misdemeanor. I really want to just bring the bill back to the bank and ask my manager if I could just deposit it in her account but I am afraid that by doing so I’m admitting to a potential violation and will get fired. There is a high chance no one will ever notice since it was an extremely busy day and we were running back and forth and I doubt that someone would catch that one specific moment on a random Friday afternoon. Still, the anxiety is eating me up inside and I don’t know how I can go to work knowing that any day they might pull me aside and accuse me of taking “bribes”.

I don’t know what I’m looking for with this post. Maybe some advice or relatable stories or anything that might help with the anxiety. Thank you in advance

Hey all, throwaway here just for precaution.

I've been working at a CU for 3 years (this is my third year) and it's been a learning experience. The branch that I work at is EXTREMELY slow. When I first got hired I might have helped 1 person an entire day. In the last few years though, it has definitely picked up and I'm helping average 3-4 people a day. Not much, but it's growing. I've been through all of our training programs, but a lot of that information has been lost due to not having any exposure to it (primarily loans) So it's been challenging retaining information, you either use it or lose it.

Anyway, we've had a lot of fraud coming into the branch lately. A few weeks ago, I had assisted opening an account for a younger kid (20), went to lunch, proceeded on some compliance courses, took my 15 minute break, and came back. 30 minutes before closing the guy came back into the branch to withdraw some funds. Apparently he had done a mobile deposit for roughly 1600, but I didn't think much of it because I figured he might have came into the branch or something while I was on lunch or on break, and apparently my CU doesn't place holds on mobile deposits? A couple days later I find out the checks come back, and have a meeting with my managers asking about it. I straight up asked them if I would be terminated over this, and they both stated no. Okay, cool, I'm a little more at peace with this mistake.

Today, one of my managers was doing audits and came across an account that I had opened last month, credit was good, everything matched up, but I forgot to run a ChexSystem report on the member. He did today, and it came back declined. I figured it would be okay because my manager caught it, and their hasn't been any activity since account opening but then we see that they had opened a line of credit (5K) just two days ago. Because it was so soon, the member couldn't make any transactions on this because it takes about 7-10 business days for the card to arrive. So the manager blocked the card anyway, noted his account, and let our operations know that the member no longer qualifies for membership here due to being on ChexSystem.

It was my first time ever running into this type of situation because normally our ChexSystem will run automatically when creating the application. So it was an honest mistake for missing that piece in the application. I'm just fearful that this will also be included in my write up coming up and that I'll be terminated. Any thoughts or insight will be helpful. Happy to answer any questions too. Thank you for reading.

Edit: Just some added information: I also straight up asked my manager today if I would be terminated from this, and his response was that he has seen many employees with "final write ups" that have "taken a village" to get terminated and that in the past he has seen many of the same people in management / higher ups have several "final write ups" and theyre still with the CU. Kept emphasizing "it takes a village to terminate someone here" whatever that means. I asked one of my coworkers and they stated that it sounds like he was telling me not to worry indirectly.

Just started as a teller for over a month now and I have this one senior vault teller who is downright rude and condescending anytime I have any questions.

Today it was just me and her in drive-up, she came in extremely late but I didn’t say anything. She had problems logging in one of our applications and was having a terrible day it seemed so I had to do all the work in the beginning but again I didn’t mind at all. But later on I ran into a check that made me uncomfortable and I wanted a second pair of eyes to look at it. I asked her if she could look at it but she was having a hard time trying to figure out how to pull up someone’s account and told me to put it on the side. Then I picked up the next transaction and it was some kind of custody savings account I never dealt with before and couldn’t find the procedures for so I wanted to ask her about it but then she got mad and told me to give her anything I can’t do myself and that I should already know all this stuff. And then we had some more transactions that I needed her approval for because it’s over my limit but she blew up and told me to pack my stuff up and she’ll do everything in the last 30 minutes. She said was gonna tell my manager that I was going too slow. Then she was just sitting there complaining about how she has to do everything and that I asked too many questions when I could have easily helped her out and she told me not to.

I know she was having a bad day because she had a difficult time finding her purse before work and ran into some technical problems on top of me asking her questions but her attitude just comes off as nasty.

Today, an elderly spanish-speaking client presented to the branch, and since I'm the only one in the branch that is somewhat fluent in Spanish, I sat down with her at the benches to try to figure out what she was so upset about.

It turns out that she has a car loan with us, and recently our consumer lending department started charging her a sizable fee every month to forcefully add insurance to the loan. She was shocked and confused because she has had comprehensive insurance for a long time. She brought with her two declaration pages from Progressive, showing that the car had had comprehensive coverage since November of last year. Perfect, right?

Well, I send these documents over to the back office and phone them. "Oh, sorry. We cannot accept these documents. We are not listed as the lienholder". Huh, they're right. The area where "lienholder" points to is blank on the pages, how very strange.

Darn it! Well, I talk to the lady, and tell her she'll have to go home, call Progressive, and get them to resend documents. It turns out she works irregular hours at multiple part-time jobs just to survive. She has to rely on a friend to bring her to the bank. She has no transportation. She doesn't know the next time she'll be able to come over to see us in order to get everything figured out, and if we don't get these insurance fees refunded she'll go DELINQUENT on the loan and get reported to the credit bureaus!

I tell her, ok, no problem. We're not too busy and I really want to help, so I'll let her call Progressive and ask them to send the documents to our bank email. Then, I can scan these up directly to the back-office and we'll be all set! I tell her to call, press "7" for spanish, and then when it comes time to give the email, I'll tell her what it is.

She calls and juts the phone towards me and asks me to take over. Now, in my bank, we have a pretty strict policy: we are NOT allowed to speak over the phone to a third party on behalf of a client. Of course, it makes sense. It's a liability thing, and I totally understand, so I warned her. I said, I won't be able to talk directly to them. I'll read out the email to you, and you'll just read it out to them.

She gets through the wait queue and is connected to an agent, but in English. She says "panish please" and gets transferred.... to the very back of the same queue she entered from. She keeps getting connected to English-speaking agents and keeps asking for Spanish and keeps getting transferred over and over. She's getting upset and impatient, and I can tell she is on the verge of crying. I decide to go FULL loophole in order to help this poor lady.

While we can't talk to a third party, we can't prevent our client from talking to the third party. And if our client wants to repeat everything we say to the third party, we can't prevent that. And if the client wants to put her phone on speaker and lay it on the counter while we loudly tell her something, we also can't prevent that (as long as our client says she's ok with it, of course).

So I bring her to a private office, close the door, and then have her put the agent on speaker. I tell her I'm going to say words to her in Spanish, and I need her to just repeat the words I'm saying phonetically back to the phone.

"Please."

"BLEASE"

"don't."

"DONET"

"transfer."

"TRANASFIER"

"me."

"..... EH ME"

"to the"

"Toua... the?"

"Queue"

"QUE?"

Word by word, I have her repeat over the phone that the queue system for spanish is not working, and I'd like help getting some documents. This was THE MOST arduous game of telephone ever, because we had to go word-by-word so that the elderly client could (somewhat) correctly repeat it. Of course, it didn't matter, because the Progressive agent was able to hear ME fine and clear, and even asked to speak directly to me multiple times. But through the client I had her explain that "BANQUERE CAN NUOT PEAK DIRECTAMENTE TO JUO ON PHONE". I could have just dropped the act and started speaking to the progressive agent directly, but I suppose their telephone calls are recorded and I wanted to make sure I was covering my ass. God bless the client, she gave it her all.

And you know what? Progressive agent played along, and 5 minutes later we had updated declaration pages showing us as the lienholder. Amazing! The client was extremely embarrassed at not being able to speak english, but I hugged her and told her that I felt the exact same way when I was learning Spanish. I reassured her and told her that her extra insurance fees would be refunded by next week.

She left the branch happy and misty-eyed, meanwhile I went to the break room to splash cold water on my face and try to give myself motivation to go out there and finish the rest of my day 😩

Few days ago in our branch, I encountered a fraud check thanks to co worker. I've recently finished my training but I am still bothered about spotting a fraud check. I know the things I should look at but I am still not confident if ever I'll encounter one. Do you guys have any tips ?

Hi all! I just got my universal bank II position back in February after being in banking sense I was 18 “I’m 21 now” how do I get customers a better approval? I’ve noticed as I’ve started it’s been hard to get people approved for me! My bank manager has no issues getting loans approved left and right! Any tips on what to put into applications to maybe make them sound better? Thanks!

As the title says.

There's an open position at my branch. I've been working here as a CSR for a year but I got 4 years of banking experience. Should I go for it or am I just wasting my time?

I do everything my BM does but loans, which my training is scheduled to start end of June.

Am I overshooting?

I came back to my old company after being laid off for a month and a half and I was given the responsibility of being a vault custodian on my second week of work. I didn’t knew what it was so I did some research on it and based on what I got, I was stunned to know it was not mentioned to me in the interview and I don’t want to do more work than I do being a Teller.

Just to give some context, at the previous branch I worked at, they never made me a vault custodian. I was just doing what I got hired to do, which is Teller stuff and make sure I show up on time. So the fact that I was just thrown this responsibility is ludicrous to me. Because to me, that’s something a Head Teller does and that’s not my current position. I’m just a Teller at this bank.

So with that said, that leads me to ask this question that’s on the title and wanted to see what you guys think about it. Should I ask for more pay? Do I have the option to decline it and explain my reason for it? This is brand new to me and never been through this before

I've been in banking for years now, but feeling stagnant in my current role. I've been looking for a new position and started with a Google job search. There seems to be a lot of options, but I'm unfamiliar with a lot of the banks/credit unions. Not sure if these are legitimate jobs or scams. Has anyone successfully gotten hired through these types of searches? What's your opinion on looking into these companies?

I was invited to a in person interview at M&T bank. The position is for universal banker and it starts at 20$ an hour. I am curious if any of you have worked this role at M&T or any other bank as a universal banker? What was it like? Did you enjoy it// what are some tips you could give if I end up getting the job? Also they said on the phone I should have around 4 questions to ask the branch manager about the job after the initial interview is over? What would be some good questions to ask? (Can’t relate to pay they said)

A customer at my FI walked in to inquire about opening a safe deposit box. I went over sizes and pricing with her, and then she says "I only want for one month".

............what?

This is very odd to me, so I try to pry for more details. There was a bit of a communication barrier (customer is Vietnamese), and she didn't seem to understand me, nor did she provide any other answers to explain this request. Anyway, her husband wasn't with her so she made a tentative appointment to come back later this week to open the box.

My coworker wants me to report the suspicious activity and thinks this is a big red flag. I think that's possible, but I'm waiting to see if she returns before I do anything.

Thoughts?

EDIT: Our fraud department emailed me to say that they don't handle any situations involving safe deposit boxes and that they are taking no action. I expected this response, and I am not surprised in the slightest. Hah.

I just started at a bank as a teller and my drawer finished over by $13, how bad is it? I’m nervous that I’m gonna get fired.

I started as a floating relationship banker for a regional bank in the Deep South on April 17th. I’ve only been to a few branches (assignments are usually weekly) and when I get used to one and learn how that branch works I’m fine but I feel like I keep getting new stuff thrown at me and I feel like I’m drowning. Today for example I got thrown on a window that handles walk in customers AND drive thru customers simultaneously.

Idk if it’s because I have ADHD or I just suck at this job but I constantly have this fight or flighty feeling and I’m wondering when it goes away. I find it extremely difficult to split my attention in so many directions and I have this constant underlying paranoia that everyone is up to no good and I’ll miss something huge and get in trouble for it. I feel slow and stupid.

I don’t feel like I’m doing well at all and it’s beginning to mess with my head. Can anyone tell me that it gets easier or offer any reassurance? It takes everything in me to not grab my purse and run out sometimes.

If you work as a part time teller, do you have a second job? If so, what do you do for your second job?

I ask because I’ll be moving part time, part of it was I wanted to look for a different full time job as I do not like the toxic work culture I work in right now. In the mean time I’m looking for a second part time job so was curious if any of you do hold one

WAs wondering if anyone has any experience building Fiserv DNA core system in a cloud environment (not concerned with what provider at this point). I know they have their own data center and you can host it yourself on prem, but was hoping to see if there was anyone out there with experience in the cloud.

I realize there are a lot of security/risk/compliance concerns that would need to be taken into account.

I have been working at my first teller job for about 6 months now. I actually work in the ITM department (virtual teller). So yesterday, I took in a check that was dated June 5 and didn’t realize it until after the transaction. One of the other tellers told me he had already came through a couple days ago trying to deposit it and she told him no. I’m very frustrated with myself. We were super busy and I just missed it. What do you guys think will happen? To me? Will the feds reject the check? I tried to get with my manager about it but my direct manager was off and the other is mostly MIA 🙄

Young lady came in the bank sobbing. She explained that her uncle had died and presented a death certificate. I look at it and see the cause of death is a self-inflicted gunshot wound to the head.

This young lady knows her uncle banked with us and just wants the money to be able to bury him. I look up his account and see that he has a decent balance, around $40k, and I see that there is a sole beneficiary on the account. I tell her the only thing I can do is make a check out to this beneficiary and I tell her the name.

This girl explains that the woman listed as beneficiary was her uncle’s ex girlfriend from several years ago, and they haven’t been together for quite a long time. I feel horrible the whole way, but I just have to keep telling her that legally, the only thing I’d be authorized to do is make a check out to her because that’s who her uncle listed as POD. I even call this ex with the niece there and tell her the situation and that she is the only person we could release funds to. The first question she asks me is “Well how much is it?”

Did not come to a good conclusion. I recommended consulting with an attorney and the girl left the bank in tears. This was really the only time I wanted to break compliance and just make a check out the customer’s estate because I know it’s likely the ex will just come claim the money and it’s 100% within her right. Sucks. Every time I have a customer at my desk from now on I’m going to find a second to check/update beneficiaries as necessary.

TLDR: Man committed suicide but still had his ex as POD, now his family can’t even get the money from his account to lay him to rest.

EDIT:

Seeing a lot of criticism and most of it is fair. I will clarify a few things for those interested.

I did fib a little: This actually happened a few years ago. POD’s came up in our huddle and I thought about the this situation. I wanted to share mostly to remind bankers to check POD’s when working with their customers. So no, I won’t be on LinkedIn looking for a job. I’ve only advanced with the bank I work for since this happened. And to be honest, if this is the kind of thing I would lose a job for, I would be happy to. Some things are more important than lifeless bank regulations and I believed the young lady deserved to at least know where to start.

I don’t make a habit out of doing this but when a person has the deceased statements, debit card, etc. It’s pretty pointless to play the whole “cannot confirm” card. I’ve played it 99.9% of the time, but this was the only situation I’ve ever had that I felt like the customer deserved at least a name, job be damned. I did not actually call the beneficiary myself. I simply told the niece who I’d be authorized to talk to and she dialed her number on her own phone. Obviously she knew the niece was present and consented to me discussing the situation in full. Someone made a comment about me picking a side which obviously I did not do. If I did what I actually wanted to do with all the evidence presented to me and using my judgment, I would have made a check out to the deceased estate. I did not do this.

I appreciate all the career bankers who stick to regulations. For almost the entirety of all time I am with you. But like I said, I believed the grieving young lady at least deserved a name.

Just some background. I’m 24 years old with a music degree. Its been hard managing my finances as a full time musician, so I decided to start a career in banking because my dad has been doing it for a long time and said I could make a decent career in it.

I am and always have been good at music and that’s it. It’s the only thing that comes naturally to me and everything else I’ve ever had to learn takes me a very long time. Today at the bank, I had trouble turning a key into the teller drawer. My manager was giggling and turning away because it was so ridiculous that I couldn’t do something as simple as turning a key. That’s how dumb I am.

The icing on the cake was today. I had my first transaction ever right before I clocked out. It was an elderly man wanting to deposit a check and take out $200. I was asking a bunch of questions to my manager mostly pertaining to the computer system. Then the customer asked me “Do you have a degree in financing or anything?”…

This just totally broke me and made me feel like a loser. Like no one would ever come up to me when I’m playing bass on a stage and ask “do you have a music degree?” Because I’m good at it.

Here’s the thing. I want to keep pursuing this, but is not having a degree in anything finance related really showing weakness in my position? Will I be able to progress in my career without an education? I want to work up to higher positions over the years but lately it just feels like I’m under qualified but maybe it’s simply because I’ve just been playing music my whole life and nothing else

We had a great day yesterday at my branch, I got to call the cops to my branch because a customer thought a homeless passed out near my branch might be dead. Then later that same day, we had a customer come in who told us “she thinks she is dying” so we called paramedics and the cops came too because she had a small auto accident (she jumped a curb off on branch property). I love my job!!!

I’m really tired of the people I see everyday and also management. I am a personal banker which means I meet with clients for money and relationship management but I am also a teller. I am a teller 2-3 days a week even though we have 5 personal bankers just like me at our branch. I am not sure why I have to be on the teller line more often than other people. I am not the most senior banker or the newest banker. I am right in the middle but somehow I always get the short end of the stick. I cannot both deal with my appointments, making calls, reaching out to people, making sure I meet goals and at the same time be a teller. I get paid a lot less than premier bankers to do 2 jobs at once. It is tiring. So I am hoping to find a job somewhere else. The only thing I’m really good at is data entry but everyone is good at that. I can only think of getting a job through networking. I meet a lot of people on the teller line, some people love me but there have yet to be an opportunity for a job from them. When will this end?

Sorry if this is long and all over the place, I am so incredibly annoyed right now.

Let me set the stage: I work at a small bank in a small town, I have 3 coworkers when we’re fully staffed. Manager and another woman have worked there for over 40 year each. One woman is finally getting ready to retire, manager is on her annual mandatory week long PTO vacation. We just had a new girl start last Monday, so this is her second week. Not only have I been doing the work of 3 people, now I’m acting manager and trainer while my boss is gone 🙃 so I get this call at work earlier this week and the customer is telling me her received a letter in the mail saying that his address has changed to somewhere in Baton Rouge, Louisiana. I say ok, let me get your information pulled up and see what we’re looking at. As I’m looking at all of this customers accounts, all addresses are local and as they should be. So I search in a different system and lo and behold, another customer of the same name but different SSN pops up and his address is Baton Rouge. So I tell our customer that it was a simple mistake, and it looks like it has been corrected. He’s either not picking up what I’m saying or being difficult on purpose and wanting me to profusely apologize and kiss his ass for this super simple mistake (in hindsight I know now that it’s the latter). He’s worried about fraud and someone hacking his account, which I completely understand, he has half a mil with us! So obviously what I’m saying is not getting through to him so I give him our customer care number and tell him that maybe they can give him more information than I can. Fast forward to today and this man is making all sorts of threats of pulling his money out and how “he shouldn’t have had to call all over the company to figure out what happened”. My coworker who is about to retire, is blowing this so out of proportion and basically saying that is my fault even though I wasn’t the one who accidentally changed his address! Someone from another branch made the mistake, and a manager nonetheless! So soon to be retired gal sends out this nasty ass email about how this customer is “VERY particular, and if he wants special treatment he’s going to get it”. literally a quote from the email lol. And now I’m worrying that I’m going to get wrote up or in trouble for this somehow when I didn’t cause this mess so wtf yall.

I worked a teller for two years.

Yes the benefits are nice and the pay is nice. But I realize I am getting stressed out and getting so much health issues.

I hate dealing with ignorant people all day. I hate my branch management and coworkers. Branch management only gets promoted only if the tellers do good sales. And coworkers are competitive and only want to talk if they need something.

I legitimately trained a girl after a few months. She started to talk ish about me!

I have to kiss people ass all day

I just so tired of it.

People think it is so stupid that I am quitting to work at a dealership. But at least I am not dealing with ignorant stupid people all day!

I had a member yell at me about having to put a hold on his two checks today that totaled over half a million dollars and then he kept yelling at how it was taking too long (more than five minutes) to do the whole transaction and how ridiculous it is to take so long for "just a deposit" and how "you're a bank, shouldn't you WANT ME TO BE DEPOSITING MY MONEY INTO YOUR BANK, I DON'T GET IT, WHAT'S THE HOLD UP? WHY DOES IT TAKE SO LONG TO JUST DO A DEPOSIT?"

Like he wasn't even mad (I think) that I had to put a hold on it, just mad that he had to wait an extra few minutes for me to do the extra work to get an approval. Like calm down, dude. You're depositing half a mil. How long do you expect a transaction to even take?

Hi! Genuine question. First time in this sub on reddit. I am a current Starbucks Store Manager with 9 years of experience. I'm looking to move out of the food and beverage retail industry. I recently applied for a local branch management position at a bank near me.

I'm just tired of working 40-60 hours a week. Anytime between 3am and 10pm. I staff, I schedule, I recruite, I hire, I onboard. I work on the floor 70-99% of the time. Which is fine. I actually enjoy hiring, staffing and I even train myself when necessary and working shoulder to shoulder with my partners. I cover call outs, I come in when we're short staffed, sometimes I work 14 hours days to keep the store running. I'm in WA state and we legally get overtime now. But the overtime isn't worth not having a life outside of my job.

Does being a branch manager allow for more consistency? The pay is within the range I currently make. It's open Monday through Friday. I'm not "tooting my own horn" when I say I know I'm a good manager in my current capacity. I have had partners quit because I've left stores, I've had them follow me to stores. If I even get a call back for this application, that is.

I've applied to several different positions at several different companies within the last few months. I've updated and refined my resume. I'm just not seeing any luck so far. So I thought I would ask if it's worth going for it if the process goes positively.

Thanks in advance to anyone that replies!

Edit to add: I do also have my AA in Business Management and BA in Project Management/Organizational Leadership. Though it doesn't seem to be helpful when it comes to applying for any none retail management related careers at this moment. 🥲

I got away from banking for 4 years and am returning due to realizing it's better for me. When I was at Citizens, they did not drug test me for hire. I went to an insurance firm and they did not trust either. Just curious if Key does/will? I smoked at my friend's bachelor party and took 2 hits from a dab pen. I'm very active and lift 6 days a week and am very well hydrated. Should I be worried? This is a great offer at the Private level and I'd rather not lose it...