TABLE OF CONTENTS
SECTION 1: INTRODUCTION 1
TELLER JOB DESCRIPTION 1
EXPENSE VOUCHERS 5
PER DIEM 5
EMPLOYEE FREE & REDUCED FEE TRANSACTIONS 9
SECTION 2 - SAFE’S SPECIFIC SECURITY PROCEDURES 1
CASH DRAWER LIMITS 1
BAIT MONEY 1
TELLER SECURITY PRACTICES 3
TELLER CODES, PASSWORDS AND SECURITY ACCESS 4
DUAL CONTROL 5
MISCELLANEOUS SECURITY ISSUES 6
ALARM BUTTON 6
SECURITY LIGHT PANELS 6
SECURITY CAMERAS 6
IDENTIFICATION 7
OPTICAL 7
SECTION 3: REGULATIONS 1
REGULATION CC 1
THE BANK SECRECY ACT 2
OFFICE OF FOREIGN ASSET CONTROL – (OFAC) 6
FEDERAL RESERVE ACT AND REGULATION D 8
ELECTRONIC FUND TRANSFER ACT (EFT) 10
TRUTH IN SAVINGS 12
SECTION 4: COMPUTER SYSTEM BASICS 1
ACCESSING TELLER NAVIGATOR 1
SCREEN COMPONENTS 3
TRANSACTION-FINANCIAL SCREEN 5
LOCATING ACCOUNT NUMBERS (.CAD, .CSN, .VSA, .ACCS) 7
NAVIGATION METHODS 11
WORKSTATION STATUS 12
GENERAL USE CODES ( .CAC, .REC, .NAA, [.COC NOT YET AVAILABLE ON TN]……………...12
PRINTING ADDRESS CHANGES ON LASER PRINTER………………………………………………17
SECTION 5: MEMBER PROFILE & OTHER STATUS OPTIONS 1
STATUS OPTIONS………………………………………………………………………………………….1
MEMBER PROFILE 2
ATTENTION MESSAGES/FLAG 4
HOW TO ADD ATTENTION MESSAGES………………………………………………………………...8
HOW TO ADD ENOTES TO AN ACCOUNT……………………………………………………………...9
PERSONAL AND GENERAL ACCOUNT INFORMATION 10
SHARE ACCOUNTS (accounts that receive deposits) 11
CERTIFICATES OF DEPOSIT 12
LOANS 13
CREDIT CARD INFORMATION SCREEN 15
SERVICES PENETRATION INQUIRY 16
OTHER STATUS OPTIONS 17
HI – history 17
AMB – average monthly balance 18
LN – Loan Suffix Status 18
DS – draft number status 18
STS - Share Transaction Search.……………………..………………………………………………..18
SS - self-service products……………………………………………………………………………..19
ODP – overdraft protection display……………………………………………………………………19
NSF – non-sufficient fund status 19
AV – available funds 19
PO – loan payoff status 20
YTD – year to date interest and dividends 20
ACH - ACH Warehouse……………………………………………………………………………….20
SECTION 6: CHECKS 1
CHECKS 1
RESTRICTIONS ON CHECKS.. 2
THIS IS NOT A CHECK…………………………………………………………………………………….4
SPOTTING FRAUDULENT CHECKS……………………………………………………………………...6
TELLTAIL SIGNS OF CHECK FRAUD……………………………………………………………………9
ENDORSEMENT 10
STAMPS 12
OTHER ITEMS 12
VERIFING IDENTIFICATION WHEN DEALING WITH CHECKS 13
DETERMINING THE CREDITABILITY OF THE MEMBER. 14
CHECK CASHING/DEPOSIT PROCEDURES 17
PROCEDURES FOR SPECIFIC ITEMS 21
CHECK CASHING PROCEDURES PERFOMANCE REQUIREMENTS…………………………..23
SECTION 7: CASH HANDLING 1
VERIFYING CASH TO AND FROM MEMBER 1
HELPFUL HINTS 2
BUYING AND SELLING CURRENCY 3
PROCEDURES FOR BUYING OR SELLING CURRENCY…AKA “VAULTING” 3
ROLLED COINS AND STRAPPED BILLS 5
UNITED STATES CURRENCY INFORMATION 6
KNOW YOUR MONEY – DETECTING COUNTERFEIT BILLS 7
WHO AND WHAT IS ON THE FRONT AND BACK OF U.S. BILLS 8
MONEY TERMS AND POSITION – OLD CURRENCY 9
MONEY TERMS AND POSITION - NEW CURRENCY 9
SECURITY FEATURES OF THE REDESIGNED BILL 10
THE FACE OF U.S. CURRENCY 13
IS IT REAL OR IS IT COUNTERFEIT??? 17
COMPARING GENUINE AND COUTERFEIT 19
WHAT TO DO IF YOU RECEIVE A COUNTERFEIT BILL 21
COUNTERFEIT NOTE REPORT 22
SECTION 8-A:BASIC TELLER FUNCTIONS 1
BASIC TELLER FUNCTIONS: 1
ACCOUNT NAMES AND SUFFIXES 2
FUNDS IN TRANSACTIONS 3
SHARE PURCHASES – Deposit to Sasvings (SP) and Checking (DP) 5
SHARE WITHDRAWALS – From Savings (SW) and Checking (DW) 8
CASHING SAFE CHECKS 9
SIMMA CHECKS 9
TRANSFERS BETWEEN DEPOSIT ACCOUNTS (STS) 11
CHECK WITHDRAWALS – TELLER CHECKS………………………..…….……………………….13
LOAN TRANSACTIONS (LP, STL, LDP, LTS, LPP)…………………..…………………………….17-22
HELP LOAN CHECKS 23
CASHING CHECKS NOT DRAWN ON SAFE (MCK) 24
CHECK CASHING FEE PROCEDURES 25
SECTION 8-B:GENERAL LEDGER TRANSACTIONS…………………………...………………..27
MISCELLANEOUS CASH IN/OUT 29
GENERAL LEDGER ACCOUINT NUMBERS 29
VOUCHER TRANSACTIONS 32
SECTION 8-C: CREDIT CARDS………………………………………………………………………35
CREDIT CARD TRANSACTIONS………………………………………………………………………..36
CREDIT CARD PAYMENTS……………………………………………………………………37
CREDIT CARD ADVANCE PROCESS……………………….………………………………...39
SAFE CREDIT CARD CHECKS…………………………………………………………………43
PROCEDURES FOR PROCESSING CC CHECKS……………………………………………...43
FIGURING BOOK NUMBER FOR CC CHECKS……………………………………………...44
SECTION 8-D: MORE GENERAL LEDGER TRANSACTIONS………………………………….45
CAROWINDS TICKETS 46
PAYROLLS 47
PAYROLL DEPOSITS 47
PAYROLL LISTING FROM A BUSINESS 47
MONEY ORDER SALE: 48
LOST MONEY ORDERS 52
TRAVELERS CHECKS SALE 53
CHECK HOLDS: 57
HOLD TYPES AND CODES 58
PROCESSING A CHECK HOLD WHEN MAKING A DEPOSIT 58
MEMBER NOT PRESENT WHEN PLACING A HOLD 59
PLACING A HOLD AFTER TRANSACTION COMPLETED 59
REMOVING CHECK HOLDS………………………………………………………………………..61
SECTION 9: BALANCING, REVERSALS AND CORRECTIONS 1
SAFE FEDERAL CREDIT UNION TELLER BALANCING REQUIREMENTS…………………………1
BALANCING END OF DAY 2
BALANCING CHECKS 2
CHRONOLOGICAL JOURNAL (.CTR)……………………………………………………………….5
INSTRUCTIONS FOR LOCATING CHECK OUTAGES 7
STACKING YOUR CHECK WORK…………………………………………………………………...7
BALANCING CASH 8
LOCATING CASH OUTAGES 9
TO POST YOUR OUTAGE 10
STACKING YOUR TELLER WORK 11
CORRECTIONS / REVERSALS 14
"R" - REVERSALS 15
REVERSALS OF TRANSFERS 16
“X” – CORRECTIONS 17
WHEN CASH IS ENTERED AS A CHECK AND VICE VERSA 19
CORRECTIONS ON TELLER CHECKS 20
REDEPOSIT OF SAFE TELLER CHECKS………………………………………………………….21
SECTION 10: MISC. TELLER PROCEDURES 1
BANK WIRES 1
WESTERN UNIONS 4
CUMO / CREDIT UNION MONEY ORDER 6
HOLD FOR PICK UP CUMO 9
REDEEMING DAMAGED MONEY 10
CLOSING ACCOUNTS 11
SALES TRACKING INTERFACE - .STI 13
DOWN DOCUMENTS 14
ACCEPTING CHECK REORDERS FROM MEMBERS 15
POWER OF ATTORNEY…………………………………….. ………………………………………...…16
SENDING DOCUMENTS TO RECORDS………………………………………………………………...19
SPECIAL INSTRUCTIONS: DOWN BALANCING 1
GENERAL INFORMATION 2
HOW TO COMPLETE THE MEMBER TRANSACTION VOUCHER 4
SAME DAY POSTING PROCEDURES 8
DOWN TELLER BALANCE SHEET 9
NEXT DAY POSTING PROCEDURES 11