I’m a Bank Teller: These Are the 6 Limits I Have When It Comes to Your Money

As a bank teller, Rachael P. plays an important role in serving customers’ financial needs. However, the finance professional wants people to understand the real limits on what she can and cannot do with their money .

“People assume I have full access and authority over their accounts, but that’s not actually the case,” she said. “There are strict rules about how bank employees can handle customers’ funds.”

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Rachael outlined six key limits that restrict what she’s able to do when it comes to your money .

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Withdrawal Limits

“For withdrawal requests over $3,000, I have to get approval from a manager before completing the transaction,” Rachael shared.

This approval process helps detect potential fraud and ensures the bank has enough cash on hand.

“It’s not that I don’t trust customers, but we have procedures to follow.”

Deposit Holds

When making a large deposit, Rachael may need to place a hold on the full amount before it’s available based on the bank’s policies.

“I can’t just accept any deposit over a certain amount without controls in place,” she explained.

Holding deposits gives the bank time to clear the funds.

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No Transfer Abilities

“As a teller, I have zero ability to actually move money between customers’ accounts or make any transfers,” Rachael stated.

She can only accept funds — at her bank, any transfers require account holders to submit official requests themselves or use online/mobile banking tools.

Read-Only Account Access

While able to view balances and transactions, Rachael has extremely limited “read-only” access to accounts.

“I can’t modify any details, update personal information, remove fees, or anything like that,” she said. “My role is simply to process basic deposits and withdrawals.”

Strict Cash Limits

There are caps on the amount of cash Rachael can disburse you at once, often $1,000 or less depending on the bank.

“For larger cash needs, I have to order more funds in advance, which requires even more approval since it’s considered a major cash withdrawal,” she said.

No Debt or Loan Assistance

“Unfortunately, as a teller at my bank, I have zero ability to help customers consolidate debt, provide loans, or assist with any lending needs,” Rachael shared.

She can connect them with personal bankers but ultimately has no say over credit products or debt negotiations.

While customers put great trust in Rachael, she has to follow stringent rules that limit her capabilities for their own protection.

“I may have access to your accounts, but there are so many checks and balances in place,” she said. “The whole system is designed to safeguard your money and enforce proper cash management practices.”

Rachael most wanted to share that bank tellers have little control over their customer’s finances.

“Sure, we handle your cash deposits and disbursements, but that’s just one small piece of the puzzle,” she said. “There’s an entire team of compliance, operations, lending, and management roles behind the scenes who actually oversee the bigger money decisions and strategy.”

This article originally appeared on GOBankingRates.com : I’m a Bank Teller: These Are the 6 Limits I Have When It Comes to Your Money