Friday Five: 5 Ways To Be A Better Banking Customer

Hey y’all! I hope you’ve had a great week and are gearing up for another fun summer weekend. We will be traveling to Georgia to help celebrate Ryan’s grandparents’ 60th Wedding Anniversary. 60 years—isn’t that amazing?

I had a few minutes to think over my Friday Five, and I want to offer some advice to all of you out there who use a bank, which is most likely all of you. I work in banking as a Financial Specialist. What does this role involve, you might ask? Let me tell you. Yes, I do all of the basic “teller” transactions, but I also have the ability to open checking, savings, and money market accounts and CDs, too. I dispute fraudulent debit card charges, I send wires (domestic and international), and I also assist with basic account maintenance. I see a lot of the same people on a daily basis—many of them come in to chat with us for ten or fifteen minutes while they make their daily deposit.

During my eighteen months as a banker, though, I’ve learned that some people struggle with certain aspects of banking. It is a difficult concept for some people—really, I’m not kidding. So, for my Friday Five, I offer you FIVE handy tips. These will, hopefully, help you out in some way the next time you head into your local bank to made some deposits or cash a check.

  1. If you don’t know how to fill out a deposit slip correctly, don’t even try. I know this might sound discouraging, but if it’s difficult for you to write in how much you’re depositing in cash and checks and calculate the final total, don’t try. I can do it for you very efficiently. Now, if you’re really curious about how to fill out a deposit slip, I’ll happily help you learn so you can do it correctly the next time. This also leads me to the point that, if you see your banker have to cross through the same thing on every single deposit slip you’ve written out, it probably means you’ve done something incorrectly. Observe and ask how to do it correctly next time.
  2. At least offer to do the necessary work for your transaction. If you are fully capable of filling out a deposit ticket or withdrawal slip, at least offer to do it yourself. Obviously, you have to sign it whether I fill in the other info or not, but at least offer to fill it out instead of assuming that I will do it.
  3. Don’t talk to the banker while he or she is counting cash back to you. Believe me, this is how people get shorted cash or I accidentally give you an extra $5 of $10. I definitely don’t want to short you, but I also don’t want my drawer to be out of balance at the end of the day. When you’re chattering away about something, it really distracts me when I’m trying to count out a specific amount of cash to you.
  4. If you have recently made what could be considered a “private” or “embarrassing” purchase with your debit card  please don’t ask your banker to review your debit card purchase history with you. Seriously. This has created some very awkward, colorful moments, and I don’t think that I need to know that much about my clients. So please, please, please think about where you have been shopping before you ask your banker to go through each and every charge individually.
  5. Last but not least, NEVER assume that the person behind the teller line is “just a teller”. This is a common mistake, and some banks haven’t adopted the “universal banker” role yet, but a lot of them have. I can help you with almost any issue you are having, and I can help you with almost any service that you need. Want to send an international wire to India? I can do that for you. Need to know the best CD rates we’re currently offering? I can help you with that. Don’t insult the person behind the teller line by assuming that he or she can only run basic transactions. Instead, compliment that person by assuming he can do it all!

 

 

 

So there you have it. Just my two cents. Keep this in mind the next time you step up the to the teller line at your bank. I promise, if you put these tips into practice, your bankers will appreciate it.

Bye y’all,

Emma

 

P.S. Credit for helping with this post goes to my coworker, the awesome Leah B., who has taught me so much about 90s pop culture, good food, and banking!

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