r/TalesFromYourBank

Have any of you thought of using the education benefits to leave the banking career? Or are currently doing this? Have any of you done this successfully or known someone who has?
Tell me how it’s going to you and what you’re using the benefits to study, if so, 🙏

Hey,

So I just ignored a call that I received from a debt collector, and upon opening the voicemail I see that it is her getting fucked with clear audio of a male saying "Do you like it like that?" and the female caller saying "Yes Please."

Is this illegal? Can I report it to anyone? Is there a governing body for situations like this? The debt collector is Portfolio Recovery Services.

I have an audio and video recording of the voicemail which I could upload, but I might not for obvious reasons.

Hi everyone, just passed my SIE. Curious what I can negotiate for my salary as a newly licensed banker once I get my 6/7. I’m in california.

I have a Final In Person Interview for a Chase Associate Banker position tomorrow. Today I stopped by the branch just to see where it was and ended up briefly meeting the branch manager. The only problem is I had literally just come back from the river, so I was dressed casually (including a "Hot Mom Summer" hat 😂). I immediately explained that I'd just come from the river and wouldn't be dressed like that for the interview. I was wearing a dress over my swimsuit just to be clear.

He asked about my past work experience, where I live, and when I mentioned I don't have banking experience, he said he's open to candidates from all backgrounds and that we'd talk more about it during the interview.

Did I make a bad first impression by stopping by dressed like that, or do you think it won't matter much since the actual interview is tomorrow?

Hi all!

At my bank, we are trained to give a value statement that outlines are agenda before we begin an interaction. My bank does not have tellers so we are all Universal Bankers and do everything from cash transactions to opening new accounts and investments referrals. My managers want us to give an opening statement at the beginning of the interaction and it sounds like this usually.. “Hi Mr.Customer! My name is Billy and I am going to be your banker today. I would be glad to help you with your transaction but before I do, I want to ask you some questions on how you like to do your banking.”

This is supposed to prep the customers for what is about to come (you’re about to get asked a sh*t load of questions about credit card usage, outside balances, auto loans, etc.). Then we make recommendations at the end.

The problem with this is that not everyone wants to engage! Some people just want a roll of quarters or a simple withdrawal! People don’t want to hear your whole spiel just to get a cashiers check…

How do I appease my managers (by saying this) and still have good days for production?

Hi everyone! I’m currently looking for a bank job (Teller, Customer Service Representative, etc.). I have 2 years of customer service experience and have been applying online, but no luck so far.

If anyone has any suggestions, knows of any openings, or can offer any advice, I’d really appreciate it. Thank you!

I recently started a role as a Financial Advisor earlier this year and my experience has been miserable so far. I work for a low-volume branch that has greatly reduced traffic because of so much construction surrounding the area. This branch has the hybrid banker/teller role as well which I hate because you have high sales targets but deal with all the customers in line every single day. Every day you’d have to find a sale opportunity in the line but it’s so hard to make a sale if the first thing the customer always tells you is “this is unacceptable, I couldn’t even find your branch because of the construction”.

I started out as a teller and while you deal with the fury of customers every single day you do learn a lot. I had sales targets but they were fine. I was in a good branch as well. This sales targets in this branch make no sense to me. You have the same targets as a high-volume flagship branch with 20x less volume. As much as managers in the region like me, I’m one of the bottom performers in the region.

It doesn’t help too I have a very weird manager. Every single day I get called out for absolutely no reason and always says she expected so much more from me. She’s a manager that expects you to get your sales by just calling loads of clients every single day, which I clearly do way more than expected. And then when the client is just in the branch to open an account, she expects you to get the client to open up a credit card, investments, etc. She always wants me to take accountability for things such as stupid tech problems. She even threatened to fire me at one point because I sent a request to a client’s main branch to credit a client with a cash bonus for opening an account with them. Not only that, she micromanages excessively and lashes out at you when she gets overwhelmed. She wants to be looped in every single email you send, and any request you create for individuals working in other branches.

I really need advice on if branch banking is really for me. I don’t mind dealing with customers at all but I hate the sales aspect of it because I don’t agree with pushing so many products when the customer clearly doesn’t want them. I graduated with an accounting degree and ended up as a teller to get my foot in the door for banking experience after not landing an accounting job after graduation.

Hey fellow bank people.

Have an in person interview next week for ABM of Beacon bank. The branch is literally 5 minutes from my front door and it would be a title and pay bump.

I'm currently a banker at a different bank little over 6 years industry experience, starting as a teller then getting to senior UB before moving and getting the banker job. I'm a notary, have my nmls.

Anyone have any insight to the role or bank?

Anyone else notice from working in banking how broke everybody is? The vast majority of people I help are living paycheck to paycheck, and carry around an attitude of general fatigue and bitterness. Been a crazy eye opener for me these last 2 years in the industry.

*Save
*Invest
*Own and pay down a modest home before retirement
*Don’t have kids unless you’re loaded

My main takeaways^

It’s been stressful, I work at a smaller community bank. Been a month so far and finally got my own drawer two weeks ago. But man today a last week check came back because I put 7 day hold instead of next day. I don’t even remember doing that because I always do next day for this lady. Last week also I gave a woman more of coin exchange than she gave me in cash it was $10 dollars over what she gave me. It’s been stressful, some days I question working here if it’s worth it. It’s a job, but I feel anxious and stressed and I’m always over asking questions about checks. Coworkers feel I don’t grasp, I did pass my 30 day mark idk if I’ll last till December or even a full year. It’s a lot, as 25 year old. But I will say I always balance every time

At my bank we have the general branch manager and then we have the assistant branch manager who manages the cash side (tellers). Most people at cash are pretty new and I'm somehow the most experienced one there with a whole 1 year under my belt lol.

Anyway we got a new assistant branch manager who came from another bank as a banking advisor. Sounds good on paper right? Except this guy knows absolutely nothing. Can't use our system, doesn't know our policies, and whenever a complicated situation comes up he basically can't do anything. So guess who ends up handling it? Me.

My colleagues always come to me for help but I'm also serving clients so I physically can't be in two places at once. The general branch manager is always tied up with the advisors and partners or on calls so he's never available at the front. The branch is always packed on top of that.

I'm basically doing the assistant manager's job while getting paid the same as everyone else and it's genuinely draining. The guy is nice so it's not like I hate him but competence wise it's rough. And there's no way he catches up to where we're at anytime soon so it's looking like a long year.

Anyone else been in this situation?

I have been working in finance for the past four years. I am absolutely exhausted of working - I am finding myself increasingly frustrated with staffing issues, ever-changing policies and procedures, irate customers, and the anxieties of falling victim to potential fraud/impersonators.

I think the hardest thing to reconcile with is the fear that no matter what you do, you will likely lose your job if you make an error that results in the FI or customer losing a good amount of money. Plus the pressures of whatever else they want you to do as a representative on top of your regular day-to-day account duties.

Has anyone here found a job in a different economic sector that truly brings them a sense of relief and eases that anxiety? Has anyone been able to curb their anxiety and continue on in this field?

30 seconds after flipping the lights to ON I had to go rounds with a non-client about how I can’t fill in the payee line of this blank check (not drawn on us) that he handed to me, nor can I allow him to do it since his name isn’t on this check and he just told me that he’s not on that account. He insisted that it was fine because it was going into an account here (not his), and I insisted that it’s called altering/forging a check and we’re not doing that. He called it ridiculous but what’s even more ridiculous is the fact that I know he used to be in management for a completely different bank. 🙃*(screams in Monday)*

UPDATE: Thank you for all the advice. Im sorry i wasnt clear. My supervisor found out it has been a glitch in the computer system. It needed updates. I have been at my bank for 1 month. I can't count my till to balance it. Im terrified im gona get fired. Any advice would be very helpful. Thanks in advance

I have only been able to take a grand total of two days of vacation this year because we are technically fully staffed but people keep having major medical issues. My best teller is going through harsh treatments for an aggressive cancer so she has a lot of days off for treatment and also can't be counted on to be well enough to work any given day. We had someone out for 6 weeks starting in March after they had to have emergency surgery, and less than a month after he got back, I had to cancel my planned week of vacation because someone else is out until the end of July after losing a pregnancy.

We technically have a float pool but one of the float tellers retired and another is retiring. We were supposed to have the last float for a week that someone else was on vacation and on the first day before lunch she had her own medical emergency and I had to call 911 and she got taken out in an ambulance. So she isn't available for several more weeks.

I keep having to cancel my own medical appointments because they aren't for anything emergent or cancer and I can't be spared.

I genuinely love my job but I'm so burned out and I just really need some time off but if I take it, the rest of my employees are fucked. Other branches are understaffed and can't send us anyone to cover. I really wish I had just taken a week in January but I had no idea it would be like this.

I recently started a job in customer relations and bank X. For the past or 8 so years I have used bank Y for my everyday banking needs. I have my money/acounts spread out over a few different institutions, though. Yesterday I started an account at my job just for convenience of being able to get cash out and the few perks of having an employee account. I’m considering using that as my every day bank account because I don’t stick with my current bank for any other reason other than no reason to switch. I have noticed a trend amongst my coworkers, though that none of them use our job for the main bank accounts. They actually keep very minimal banking relationships. Are there any downsides to doing your main banking with the bank your work at? Or is my place just a weird situation?

It sucks because I genuinely like the processes associated with being a teller/banker, knowing back end stuff, how the programs work, and my coworkers overall. I'm good at retaining that information and the more technological stuff involved, unlike some of my older coworkers. But ever since I took the relationship banker position I realized I fucking hate sales, no way around it. I'm not good at small talk, and I'm worse at small talk in Spanish, which is a problem in my region. I've been doing enough to keep myself above water, so I'm not at risk of being fired or anything, and there's definitely worse bankers in my market. Thing is, I just had my 4 year anniversary here at the bank and even the idea of reaching year 5 is so draining to me. I'm hopefully (finally) getting my Associate's in Accounting this fall, but I'm not sure I'm going to be able to find an accounting job with just that. A lot of the ones I've seen require a Bachelor's and/or a 3.0+ GPA, which I admittedly do not have. I could definitely raise my GPA, but that would require more time in school, which kinda correlates to more time at my job because I don't want to just throw myself into unemployment without a solid plan. It's stupid too because the bank is paying for my classes, it's just that I don't want to be in sales anymore. Should I just stay and torture myself for one more year? How were you guys able to negotiate your teller/banker experience?

If so, how is the job? How much do you earn in quarterly bonus? I have an interview lined up to be an RB for WF. I’m currently a personal banker at a Bank based in Texas, unlicensed. I know there’s goals to meet, but is it a certain deposit $ you should be bringing in every quarter? Certain amount of wealth referrals and loans booked? As a banker at a texas based bank in Q2, I did $1.4million in deposits, $400k in loans, and work with internal partners a lot for wealth, business, etc etc.