What is a Bank Cashier?

Summer Banks

A bank cashier is a person who handles money and customer transactions for a bank. The bank cashier can also be referred to as a teller. The job description for a cashier typically includes collecting money, disbursing money, and handling customer concerns and issues. Depending on the bank where the cashier is employed, the cashier's actual duties may vary.

A bank cashier often has to count and manage large amounts of cash.
A bank cashier often has to count and manage large amounts of cash.

The primary role of a bank cashier, in most cases, involves handling money. The teller is responsible for helping banking customers, who utilize the bank as a means of controlling their money. These customers may have savings accounts, checking accounts, or business accounts depending on their needs. Many banks have both the in-person cashier stands and drive-through windows to meet the needs of their banking customers.

ATM machines are generally maintained by a bank cashier.
ATM machines are generally maintained by a bank cashier.

While dealing with money may seem like an easy task, cashier careers are a bit more complex than just counting currency. The cashier will often be trained to account for deposits, establish new accounts, and work with other, various forms of currency. These may include cashier’s checks, money orders, and travelers checks.

Honesty and attention to detail are considered important qualities for bank cashiers to posses.
Honesty and attention to detail are considered important qualities for bank cashiers to posses.

The bank cashier will also be responsible for the drawer from which their monetary transactions are made. Some banks require cashiers to count the drawer before the start of a work shift and again at the end. The total amount of money in the drawer should be the same at both times, though the currency may change from cash to checks or money orders for a portion of the total amount.

In addition to handling money, the cashier job description could include duties other than personal customer service. For instance, the automatic teller machine (ATM) is generally maintained by the bank cashier. This frequent maintenance may include collecting deposits made to the machine and refilling the machine with money.

Cashier skills relevant to today’s financial market often include understanding and learning about individual retirement accounts (IRAs), certificates of deposit, and debit cards. The needs of the bank may also require learning about money market accounts and loan applications, if the cashier job description includes working with these types of accounts.

Working with money may be the primary role of the teller, but the customer will often be handling that money as well. The bank cashier is generally the first person the banking customer will work with to meet their financial needs. For this reason, the customer service aspect of the bank teller job can be considered one of the most important for having a successful career as a cashier.

A bank's cashier, or teller, is usually the first person a patron sees upon entry to the bank.
A bank's cashier, or teller, is usually the first person a patron sees upon entry to the bank.

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Discussion Comments


Technically, a bank cashier is an officer of the bank, responsible for all of the bank's cash management. Bank teller and bank cashier are not the same job, though sometime the terms is used interchangeably.


Suntan12-Being a bank teller can also leave the teller vulnerable to bank robberies. There have been a string of bank robberies in South Florida recently.

Tellers have to be trained on how to handle such situations so that everyone does not panic. Situations like this don’t happen often, but when they do they remind you of the vulnerability of the teller and anyone that works with large sums of money experience.

It is something that you always have to made aware of and if someone seems suspicious call the police immediately.


Bhutan-Sometimes a bank cashier will cash a bank check or bank payroll check even though you may not have an account at that bank.

Often if your payroll check comes from a bank in which you would like to cash a check but don’t have an account, they will normally cash the check because it is coming from the same bank.

So you can still get your check cashed instead of paying those high check cashing fees at those check cash locations.


SurfNturf- They also have to be aware of bank NSF which stands for non sufficient funds, or a bounced check.

They have to inform customers of these charges and should encourage them to obtain overdraft protection. In addition, many tellers are required to inform customers of the referral bonuses available to the clientele.

Most banks will offer a $25 referral bonus to the referring customer and may even provide the same benefit to the referral if they open an account. This way they can keep a stream of customers coming in the door without having to advertise as much.

They know that loyal customers will also tell others about the services of the bank and will be more inclined to use the bank in the future.


A bank cashier job description really involves cashing payroll checks and processing deposits and transfers for customers within account.

In addition, the bank cashier jobs require them to balance their tills at the end of their shift. They must be trained on counting money back to the customer as an extra check of the amount owed.

For example, if I customer is cashing a $300 check, the cashier should verbally count every bill until it reaches $300.

She should also have the check in front of her so that she remembers that that is the exact amount to give out.

Tellers are also responsible for providing transaction slips and should inform the bank customers of ongoing promotions in the branch. They should also be familiar with deposit products like checking and savings as well as CDs.

The bank cashier also has to know the difference between a bank check vs. cashiers check and charge the customer accordingly. Using the customer's name throughout the exchange is also a nice touch.

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