The morning news. [volume] (Savannah, Ga.) 1887-1900, 1889-07-16
THEY HANDLE MILLIONS.
RIGHT BANKTELLERs AND THHIH
IMPORTANT DUTIES.

qualifications NOSSSSSA|
p,, banking Establishment-Ths
CA Of Reading Character at Sight
"a a knowledge of Human Nature
I-.,.nensable - The Teller Never
80 chances and Seldom Errs.
F,ou, the Netv York Star.
1-.oso vvhodesire TO form an idea OF the
- ord anxieties aud immense RESPONSE
,iI;ties devolving upon the men who act as
-, Medium of communication be-
,veen the banks which pay out millions OF
o1lors daily and the depositors and others
no have occasion to withdraw funds from
various banking institutions, ought to
in+o one of our leading banks
+eta M a position close by
ravine teller's window. Then
iii obsarve with what clockwork
uorj+,, and prompUness the long line of
C is disnosed Of from the moment the
d, If the hank are swung open until the
hoe Q o,olocI, in the afternoon shuts on
th.aor, of visitors. A more connnlng,
moTacting position cannot be conceived
tina ar occupied by the paying teller OF
one the CITY banks. Their position ln-
volv;mmense responsibility and hard
WORLD il is not surprising that the
healt' many gives way In early man
hood a period when most men
are preparing to grapple WIN S.s
the 81 realities OF business me
The Pig teller must be an exceed
ingly cI-witted man, especially in
banks o. a very large business, with
long linz customers awaiting their turn.
He is thsore required to form his Judg-
meDt instapeously; there is no time to
hesitate caggle or peer into the balance
ledger. orns1lt a superior officer, or TO
cross-exane the holders of checks with
Neutrality-suspicious.. The three ques-
tons whicEery paying teller unconscious
~ propoun' to himself on the presenta-
ton OF CHI for payment are these: Is
the slgnatu1enuine beyond doubt mas
the drawer amount on deposit Suihclent
20 cover thsame? and is the holder
of the check titled to receive payment Of
the cash! 1otermine these points IN
fash is telleduty. He must not only
not lose his Id, but must possess the
power OF insttly concentrating his mind
upon every qnion brought before him.
Regarding the lining necessary for hold
ing position ouch Importance, 1t is said
that bockkeepeland expert accountants
rarely qualify fthe work of a successful
bank teller, an6r this reason the men
usually selectetfor the position are the
assistants who h-e received training in
some branch Of o teler's department
The simple alling Of the money to be
paid on checks Of comparatively small
account. The teer must keep the entire
run Of the maupccouIts of the bank. He
should know firm daz to day, and fire.
quently from hdr to h'ur, the standing III
general way 0 everycustomer and de-
pOSitor. which b is enabled to do by means
Of the balance ldgers. is rule, certain
sum Of money placed in the custody Of
the teller just before tA opening of the
days business These amGnts vary accord
ing to the extet Of the avTage daily trans
actions, some Il the smaller banks limit
ing the sum 10 $4,000, md others again
placing as higl as $500, 900 on disbursement
N the teller} custody. The money when
received is Ounted by the tellers with the
exception 0, the bills of snail denomina-
lions which are checked off by the package.
In the smaller banks tellers count off every
Slngle BILL the smaller as we'll IS the larger.
ms counting OF bank bills by bauk teilers
may be considered as almost ii the light of
tine art with some of the gentlemen of the
4 profession Years of Familiarity with paper
currency has made them expert in the
INT, engraving and thickness # the bank
notes passing through thlir hands.
/ '|Aco VilS LISA ppSdIdICS Ol DI6 SLaJ9 GAlk
notes, which have been replaced BY those of
Jnited States national banks the tellers'
york has been considerably requced, though
70 frequent appearance of counterfeit ma
ls2Hal bank notes keeps them Constantly on
Q alert to prevent imposition An inter
-ang case IN point occurred at the Park
pk some years since, when James c..
Tut, the special teller, was called upon
toaSs upon the genuineness OF one of Uncle
Sa.s bills Mr. Petit declared tho bill to
92ll right, but down at the sut-treasury
specialists overruled this and empha-
ga their opinion by branding the bill
wa the word counterfeit" in order to
ITier It's further circulation impossible
-M3Ieupon the bill was sent to the treasury
os-H ashlngton, whence the information
o o oack that Mr.. Pettit's Judgment was
Srct, and that the ''expertsn on Wall
W W. - nad erred. The most acceptable form
clcks Tor paying tellers to handle is
t-s-Y laue payable to bearer, for he is then
my 'eSponSlols for the genuineness of
ouo gnature and the state of the ac-
couat A form Of check which is
aio put the teller on his guard is
~ sung, Pay to the order Of so-and-so.
d. oear'" and except in the case of an un-
sr uao. . llilg with the depositor, such checks
Me Aeer honor0d unless the prssenter is
luenttd. One of the daily annovancas
eAperleced by tellers arises from the
meSen'tlon of checks with a Discrepancy
nbo sre mounts named in the body of the
M uSeA do IN the figures. Of course. nav
tas - Ahuch cases is refused until the diff
onini. reconcled. The teller, as a rule. is
9ra,.;t oepect any irregularitv in the
iSannnslp OF cneck, such as the use of
Ssr G.eN Kinds or colors Of ink or
bv lSaulolIrom the usual method followed
uplss oy ISors IN drawing up checks. and
r;rSt HSi positive beyond doubt that all
for IN ~ " refuses to pay the amount called
a sfYaLI eiler takes no chances: nor can
berSona aT 90 so, for not only is he held
dshnrso5y esponslble for money irregularly
s Vaputatlonwill be ruined unless HE Ill
49, ue al all times exercised To its f,,,Iss,
~ Is this vigilance which nevar
TSo -1ollet Is relaxed, that he is maid for .
hs b.ytg nzation OF clesring house for
bctobar 80. 1 this city in the month of
bur rnat,h lo9, was a great step forward in
Iailsd ~! OF setting balances. and was
tLat "I w tellght by the bank tellers Tn
pngo a' tlm' each bank employed a mes.
|tbsrs nor he purpose Of visiting the
cbsc E,u tle teilers we're required to cash
4 indir 4s presented thesame as in the case
ems Of ~ t1uaI ,nolders. Nowadays the bur-
ank send;, eoNeI rs are much relieved by each
denooit all chechi cashed or received
J lontbs eno. ~ one central Office. A few
ens asn the Clearing house rescued ~ '' i1l
4 ymoo atnount of SIS ,0D, 600 one dav III III
Know VI VI checks by he tellers in rerso,,
Ember o. !. SIounter business, and the laryest
Enks is 81 cnecks cashd at the various citI
bl, TrnnouI IN this order: Park Chen.
kcbsnopoo 'eIs and Traders America,,