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Quizzes > Business & Finance > Finance & Economics

Test Your Bank Teller Skills with Our Free Assessment Quiz

Ready to ace the bank teller test? Dive in and challenge yourself now!

Difficulty: Moderate
2-5mins
Learning OutcomesCheat Sheet
Paper art bank teller quiz scene with currency coins checklist pen and test icons on sky blue background

This teller assessment test helps you practice core bank teller skills, from cash counts to error-free transactions and service. You'll see where you're strong, spot gaps before the exam, and build speed; to sharpen service, try the customer service quiz .

When a customer deposits cash, which slip should the teller complete to record the transaction?
Withdrawal slip
Loan slip
Transfer slip
Deposit slip
Tellers use deposit slips to document cash or check deposits into a customer's account. The slip details amounts and account numbers to ensure accurate posting. It provides both the customer and the bank with a record of the funds deposited.
What is the primary purpose of endorsing a check on the back before cashing or depositing?
To record the check number
To verify the bank's routing number
To authorize transfer of funds
To determine the check's date
Endorsement on a check authorizes the financial institution to process the payment to the payee. It ensures proper legal transfer of ownership. Without endorsement, the bank cannot be certain the payee intended to negotiate the check.
If a customer wants to withdraw $100 and only $20 bills are available, how many bills should the teller provide?
10
2
5
4
To make $100 using $20 denominations, you need 5 bills (5 x $20 = $100). Accurate bill counting prevents cash discrepancies. Tellers should always verify and recount bills in front of customers.
Which document is typically required to open a new checking account in the United States?
Valid government-issued photo ID
School transcript
Utility bill only
Lease agreement only
Banks require a valid government-issued photo ID to verify customer identity under CIP rules. This helps prevent fraud and money laundering. Additional documents like proof of address may also be requested.
Which portion of a customer's deposit is usually available for immediate withdrawal?
All check deposits
Large cashier's checks
Foreign currency
Cash and electronic deposits
Cash and electronic deposits (ACH, wire) are generally available the same business day. Personal checks follow hold schedules under Regulation CC. Foreign currency requires conversion and may take longer.
What is the best practice when counting cash at the teller window?
Ask the customer to count outside
Estimate the total
Count once behind the teller line
Count twice in front of the customer
Counting twice in front of the customer ensures accuracy and builds trust. This practice helps prevent disputes over miscounts. It also aligns with bank policy for customer transparency.
If a customer presents an expired government ID for verification, what should the teller do?
Accept it if it looks genuine
Refuse service immediately
Process transaction without ID
Politely request an unexpired form of ID
Banks must comply with CIP and cannot accept expired IDs for identity verification. Tellers should request a valid, unexpired ID. This helps maintain regulatory compliance and prevents fraud.
Customer Identification Program (CIP) is part of compliance with which U.S. federal regulation?
Equal Credit Opportunity Act
Home Mortgage Disclosure Act
Truth in Lending Act
USA PATRIOT Act
CIP rules were established under the USA PATRIOT Act to prevent terrorist financing and money laundering. They require banks to verify the identity of customers opening accounts. Proper implementation is critical for regulatory compliance.
What term describes the difference when the cash drawer total does not match the system balance?
Variance
Over/short
Spread
Float
An over/short occurs when the physical cash count differs from the electronic balance. Tellers must report and investigate persistent discrepancies. Proper cash-handling procedures minimize these errors.
A post-dated check is presented for payment today. What should the teller do?
Process it as a wire transfer
Endorse it for immediate deposit
Refuse to cash until the date on the check
Cash it immediately
Post-dated checks are dated for a future date and should not be honored before that date. Paying it early could expose the bank to liability. Tellers must follow bank policy and regulatory guidance.
Which form is used to move funds between two accounts owned by the same customer at the bank?
Withdrawal slip
Transfer slip
Payment voucher
Deposit slip
A transfer slip authorizes moving funds between a customer's accounts within the same institution. It ensures proper routing and documentation. This reduces the need for cash handling.
If you suspect a customer is trying to pass counterfeit currency, what should you do first?
Place the bill in a teller drawer
Return all bills immediately
Ask the customer to come back later
Follow bank counterfeit detection procedures
Banks have specific counterfeit detection protocols, including UV light and watermark checks. Following these procedures protects the bank and staff. You should not return a suspected counterfeit bill to the customer.
Which regulation restricts a bank from sharing nonpublic personal information about customers?
Gramm-Leach-Bliley Act
Regulation Z
Truth in Savings Act
Regulation CC
The Gramm-Leach-Bliley Act requires financial institutions to protect customer privacy and restricts information sharing. Banks must provide privacy notices and allow opt-outs. Violation can lead to regulatory penalties.
To cash a traveler's check, which of the following is required from the customer?
Only the check number
Proof of travel itinerary
Proper identification and signature matching
Two endorsements
Traveler's checks require the holder's signature in the presence of the teller and matching ID. This ensures the instrument is negotiated by the rightful owner. Banks follow these steps to mitigate fraud.
In banking, what does the term "float" refer to?
Delay between check deposit and funds availability
Extra cash in the vault
Interest earned on deposits
Overdraft fee
Float is the time difference between when a check is deposited and when the funds are actually available. Banks manage float to optimize liquidity. Regulation CC outlines permissible hold periods.
Which document is typically used to initiate a domestic wire transfer?
Deposit slip
Withdrawal slip
Wire transfer form
ACH authorization
A wire transfer form captures beneficiary details, account numbers, and routing information. It authorizes electronic movement of funds immediately. Tellers must verify all details to prevent errors.
A customer requests to close an account with a negative balance due to overdrafts. What must the teller do?
Transfer balance to a new account
Collect the overdraft amount before closing
Close the account immediately
Write off the negative balance
Banks require repayment of any negative balance before account closure. This prevents outstanding debt write-offs. Tellers need to refer to bank policy for arranging payment.
What is the reporting threshold that triggers a Currency Transaction Report (CTR)?
$15,000 in electronic transfers
$2,500 in cash
$5,000 in checks
$10,000 in cash transactions
Banks must file a CTR for cash transactions exceeding $10,000 within a single day. This is mandated by the Bank Secrecy Act to deter money laundering. Tellers should be trained to recognize and report.
What does NSF stand for in banking terminology?
Non-Secure Fund
Non-Sufficient Funds
No Service Fee
National Savings Fee
NSF indicates a customer's account lacks sufficient funds to cover a transaction. Banks may return the item or charge an NSF fee. Tellers must inform the customer about possible charges.
If the vault balance does not match the ledger at the end of the day, what is the correct bank procedure?
Prepare a discrepancy report and notify management
Adjust the ledger to match the vault
Transfer extra cash to teller drawers
Ignore small differences
Any vault discrepancy must be documented in a report for investigation. Adjusting records without explanation violates internal controls. Management review ensures accountability and corrective action.
What is the difference between a bank routing number and an account number?
Routing number identifies the bank; account number identifies the customer's account
Routing number changes monthly; account number is fixed
Routing number is for checks; account number is for debit cards
Routing number identifies the customer; account number identifies the branch
The routing number directs transactions to the correct financial institution. The account number designates the specific customer account at that bank. Both are needed for electronic transfers and check processing.
Under Regulation CC, how long can a bank place a hold on a large deposit of checks over $5,000?
No holds are allowed
Up to two additional business days
Seven calendar days
Up to ten days
Regulation CC allows extended holds on the portion of check deposits over $5,000 for up to two extra business days. This provides banks with additional verification time. Tellers must notify customers of any longer hold.
What pattern of transactions might indicate a customer is structuring deposits to avoid Currency Transaction Reports?
Multiple deposits just under $10,000 each
One large deposit of $20,000
Only electronic transfers
Frequent ATM withdrawals
Structuring involves breaking large cash amounts into smaller deposits below the CTR threshold. It's illegal and triggers Suspicious Activity Reports. Tellers should watch for repetitive patterns.
At what point must a bank file a Suspicious Activity Report (SAR) for unusual teller transactions?
Only at year-end
When the customer requests it
Within 30 days of initial detection of suspicious activity
If cumulative transactions exceed $100,000
Banks must file a SAR within 30 calendar days of detecting facts that may constitute suspicious activity. This requirement is under the Bank Secrecy Act and FinCEN regulations. Prompt filing helps law enforcement track illicit financial activity.
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Study Outcomes

  1. Understand Key Teller Assessment Test Components -

    Learn the core areas evaluated in a teller assessment test, including cash handling, customer service, and compliance knowledge.

  2. Apply Accurate Cash Handling Techniques -

    Demonstrate proper procedures for cash counting, balancing, and error prevention through realistic quiz scenarios.

  3. Analyze Compliance and Regulatory Principles -

    Recognize essential banking regulations and anti-fraud measures to ensure transactions meet compliance standards.

  4. Deliver Exceptional Customer Service -

    Practice communication strategies and problem-solving skills needed to enhance client interactions at the teller window.

  5. Interpret Instant Scores and Feedback -

    Use personalized insights to assess your strengths and pinpoint areas for improvement in bank teller exam preparation.

  6. Prepare for Bank Teller Certification and Exams -

    Develop targeted study plans based on quiz outcomes to boost confidence and readiness for real-world bank teller tests.

Cheat Sheet

  1. Cash Handling & Balancing -

    Use the basic balancing formula (Beginning Balance + Deposits − Withdrawals = Ending Balance) to verify till totals. Memorize the mnemonic "O + D − W = E" for on-the-spot reconciliation and practice with sample till sheets weekly. Accurate record-keeping ties directly to success on your teller assessment test and minimizes discrepancies during a bank teller exam.

  2. Counterfeit Detection Techniques -

    Familiarize yourself with tools like UV lights, magnifiers, and watermark guides to spot fake notes quickly. Use the "SPICE" check method - See, Feel, Identify, Compare, Examine - to remember each step under pressure. Regular drills with known test samples sharpen your skills for any bank teller certification free quiz or teller test.

  3. Regulatory Compliance & AML Basics -

    Review Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) rules, focusing on Customer Identification Program (CIP) requirements. A handy mnemonic is "KYC" - Know Your Customer - to ensure proper ID verification and suspicious activity reporting. Mastery of these regulations boosts your confidence in compliance sections of the bank teller test.

  4. Customer Service Excellence -

    Apply the 5A framework - Acknowledge, Ask, Answer, Apologize, Act - to handle client interactions smoothly and turn challenges into positive experiences. Practice active listening and empathy statements ("I understand how that feels") to build rapport during branch scenarios. Stellar service skills often make the difference between passing a bank teller exam and truly excelling on the job.

  5. Accuracy & Time Management -

    Adopt the "TAP" method - Tally, Arrange, Protect - for quick, orderly processing of transactions in timed teller test sections. Set a self-paced goal, like counting 100 coins in under two minutes, to improve speed without sacrificing accuracy. Consistent timed drills make the free bank teller certification practice feel like second nature on exam day.

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