When you visit your credit union, chances are a teller is one of the first people you’ll interact with. Tellers help the members with everything from deposits and withdrawals to account questions and fraud prevention. Here are some tips from a teller’s perspective that can help make your credit union visits run smoothly and quickly.

• • • We Ask for Identification to Protect You
      Even if you’ve been a member for years and visit regularly, tellers may still ask for identification. This isn’t about lack of trust- it’s about protecting your accounts and personal information. Verifying your identity helps prevent fraud and ensures your money stays secure.
    1. • Being Prepared Saves Time
         Having your identification and account number ready before approaching the teller window can help make your visit quicker and more efficient. It also helps reduce the wait time for others in line.

     

    1. • We Take Fraud Prevention Seriously 
         If a teller asks additional questions about a check, withdrawal, or unusual transaction, it’s because we’re looking out for our members. Fraud and scams continue to evolve, and tellers are trained to identify warning signs that may indicate a member is being targeted. Asking additional questions helps us to catch some of the potential scams out there.

     

    1. • We’re Happy to Answer Questions
         Credit unions are built on member service and education. If you’re unsure about a fee, account feature, loan product, or credit union process, all you need to do is ask. Tellers can often provide answers to your questions or can connect you with the right team member for more specialized assistance.

     

    1. • Check Holds Aren’t Personal 
         One common frustration for members involves holds placed on deposited checks. These holds are often required by procedures put in place to help ensure funds are available from the issuing institution before they’re released. If a check is returned for any reason, and the money has already been withdrawn from the account, then the member is responsible for the negative balance. Check holds are placed, especially on large checks, to help protect members from a situation like this.

     

    1. • We Appreciate the Patience and Understanding of Our Members
         Tellers work with many members throughout the day, often handling complex transactions and sensitive situations. We are very appreciative when our members go out of their way to be patient and kind as we labor to perform these tasks accurately and efficiently. These positive interactions make us smile and contribute to a good experience for everyone.

     

  At the heart of every credit union is a commitment to serve its members. Understanding why certain procedures are in place and how tellers work to protect your accounts can help build stronger relationships and create a positive financial experience. The next time you visit your credit union, know that your teller is working hard to provide the service, security and support you deserve.

  Information provided by San Juan Credit Union Staff.