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T24 Teller

Release Date October, 2015

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Agenda
T24 Teller

01 Learning Objectives

02 What does a Teller do?

03 Static Tables

04 Creation of a Till

05 Different Types of Transactions

06 Transferring Money Between Tills

07 Till Closure

08 Parameter Tables

09 Enquiry

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Learning Objectives
T24 Teller > Learning Objectives
Objectives

Teller activities

Creation of Tills

Mandatory and Additional Information to be input

Enquiries

Reports
Agenda
T24 Teller

01 Learning Objectives

02 What does a Teller do?

03 Static Tables

04 Creation of a Till

05 Different Types of Transactions

06 Transferring Money Between Tills

07 Till Closure

08 Parameter Tables

09 Enquiry

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T24 Teller
T24 Teller > What does a Teller do

 What does a Teller do?

 Handles cash

 Travellers Cheque

 Account Transfers

 These transactions are carried out in both local


and foreign currency

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T24 Teller
T24 Teller > What does a Teller do

Cash deposit and


withdrawal
Till
Currency
Administration exchange
Head Teller
Account transfer
Till Transfer
Authorisation
Teller
Till transfer
Local
Currency
Transactions
Teller Assigning Tills
Foreign
Currency
Transactions Monitoring Tills

Vault control

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T24 Teller
T24 Teller > What does a Teller do

 Typical daily operational cycle


 Head Teller to assign Tills to Tellers
 Tellers carry out variety of transactions for Customers
• Verify signature before making payments
• Print deal slips and passbooks
 Money transferred from Vault to tills if needed
• Intra day transfer of cash between tills
 Finally transfer balance to vault and close till
• Small change left with Tellers or fully transferred
• Cash physically checked and Shortage/overage in tills accounted

 Integrated with accounting and balance updates on real time


 T24 maintains Teller wise cash through internal accounts
 Debit balance in cash account of Teller implies cash available with
Teller

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Agenda
T24 Teller

01 Learning Objectives

02 What does a Teller do ?

03 Static Tables

04 Creation of a Till

05 Different Types of Transactions

06 Transferring Money Between Tills

07 Till Closure

08 Parameter Tables

09 Enquiry

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T24 Teller
T24 Teller > Static Tables

From where does the Teller application get information?

Teller

FT.Commis
sion.Type

Currenc
y
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Agenda
T24 Teller

01 Learning Objectives

02 What does a Teller do ?

03 Static Tables

04 Creation of a Till

05 Different Types of Transactions

06 Transferring Money Between Tills

07 Till Closure

08 Parameter Tables

09 Enquiry

10
T24 Teller
T24 Teller > Creation of a Till

 A Teller can only operate if he has a Till


 The Till must be Open

 This Till is opened in the morning and closed at


EOD

 The balance in the Till and the actual physical


cash count must be the same
 If they are different then the Teller has a difference

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T24 Teller
T24 Teller > Creation of a Till

 Id
 Maximum 4 digit number as Till number
 9999 generally reserved for Vault, possible to have more than one
vault

 Status
 OPEN while allotting a Till to commence transactions
 CLOSE during Till closure after completion of transactions


Status of Vault is kept blank always – Neither open nor close
S

 Teller
 User Id of User allotted to the till
 Input or chosen from available from pick list

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Creating a Till
T24 Teller > Creation of a Till

Menu Navigation
Workshop

Create a Till using the following Menu:


User Menu > Retail Operations > Account Transactions >
Teller > Head Teller Operations > Till Administration > Create
New Till

Instructions

 Use a 4 digit Till number of your choice

 Assign this Till to your user ID

 The Till will be automatically Authorised

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Solution - Creating a Till
T24 Teller > Creation of a Till
Workshop

14
Agenda
T24 Teller

01 Learning Objectives

02 What does a Teller do ?

03 Static Tables

04 Creation of a Till

05 Different Types of Transactions

06 Transferring Money Between Tills

07 Till Closure

08 Parameter Tables

09 Enquiry

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Teller Transactions
T24 Teller > Different Types of Transactions

 Using Teller we can do

 Local currency transactions

 Local currency transactions in foreign


currency accounts

 Foreign currency transactions

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Local Currency Transactions
T24 Teller > Different Types of Transactions

 Id
 Unique and System generated in TTYYDDDNNNNN format
 Where volume of transactions are high, Id can be set to include Alpha
characters at the end

 Cash amount
 Amount deposited or withdrawn by customer
 Local currency is defaulted in version for LCY transactions

 Account
 Credit Account into which cash deposited or Debit Account from where
withdrawn
 System has been parameterised to allow only Local currency accounts
for these transactions

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Local Currency Transactions
T24 Teller > Different Types of Transactions

 Cheque number
 Mandatory for cash withdrawal, if opted so for the underlying
transaction
 If Cheque type is not indicated, T24 generates override

 Denomination
 Acceptable denomination for various currencies have been set.
 Actual receipt / payment to be indicated to match with amount

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Inputting a Local Currency Transaction
T24 Teller > Different Types of Transactions

Menu Navigation
Workshop

Input a local currency transaction using the following menu


Use User Menu > Retail Operations > Account Transactions >
Teller > Teller Operations > Teller Cash > Cash deposit Local

Instructions

 Accept cash deposit of USD 100,000 for Individual


Customer’s USD Savings account in the following
denomination
• 800 USD 100 notes and 400 USD 50 notes
 Commit the record and get it authorised
 Check the Customers Account using enquiries

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Solution - Inputting a Local Currency Transaction
T24 Teller > Different Types of Transactions
Workshop

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Solution - Inputting a Local Currency Transaction
T24 Teller > Different Types of Transactions
Workshop

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Local Currency Transactions
T24 Teller > Different Types of Transactions

 The Teller must have money in the Till to process a Cash


withdrawal
 You cannot pay out what you do not have in your Till
 If you try to pay out more than you have, T24 generates override
 The override can be converted to an error if required

 Denomination
 The system keeps track of the denominations paid out
 You can only pay out using the denominations available in your Till

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Inputting a Local Currency Transaction
T24 Teller > Different Types of Transactions

Menu Navigation
Workshop

Use User Menu > Retail Operations > Account Transactions >
Teller > Teller Operations > Teller Cash > Cash
withdrawal Local

Instructions

 Allow withdrawal of 10,000 USD from the same


account
 Indicate cheque number as 13579
 Pay entire amount in USD 100 denomination
 Accept overrides, if any, and commit and authorise
the records
 View the transaction entries using enquiries
 View the customers account using enquiries

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Solution - Inputting a Local Currency Transaction
T24 Teller > Different Types of Transactions
Workshop

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Solution - Inputting a Local Currency Transaction
T24 Teller > Different Types of Transactions
Workshop

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Solution - Inputting a Local Currency Transaction
T24 Teller > Different Types of Transactions
Workshop

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Local Currency Transactions in Foreign Currency Accounts
T24 Teller > Different Types of Transactions

 Account
 System has been parameterised to allow Local and Foreign currency
accounts for these transactions

 Narration to record further details to appear in accounting entry and


Customer statements

 Exchange rate
 Defaults from currency table if not input
 Buying or selling rates suitably defaulted
 Customer Spread or Customer rate can be indicated for special rates
 Middle rate used for marketing profit / loss calculation
• Booked as marketing exchange profit or loss

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Local Currency Transactions in Foreign Currency
T24 Teller > Different Types of Transactions

 Charges can be waived or collected


 Waive Charges YES waives predefined charges and NO collects
charges
It is still possible to collect charges only for transactions beyond a
threshold amount by suitably defining in FT.COMMISSION.TYPE
Commission amount can be modified

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Inputting a Local Currency Transaction in Foreign Currency
T24 Teller > Different Types of Transactions

Menu Navigation
Workshop

Input a local currency transaction in a foreign account


 Use User Menu > Retail Operations > Account
Transactions > Teller > Teller Operations > Teller Cash >
Cash Deposit Local - Foreign
Instructions

1. Accept USD 50,000, in USD100 denomination, into


your Customer’s GBP Savings account. Waive
charges
2. Accept USD 50,000, in USD 100 denomination for
the same account. Do not waive charges
 Validate and view System defaulted exchange rate,
charges and credit amounts as relevant
 Commit and get the records authorised

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Solution - Inputting a Local Currency Transaction in Foreign Currency
T24 Teller > Different Types of Transactions
Workshop

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Solution - Inputting a Local Currency Transaction in Foreign Currency
T24 Teller > Different Types of Transactions
Workshop

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Foreign Currency Transactions
T24 Teller > Different Types of Transactions

 Possible to handle two different foreign currencies also


 Set up for Teller transaction allows foreign currency for debit and credit
sides
• Accept GBP amount and credit EURO account directly while USD
is local currency
• Amounts to Buying GBP and selling EURO

 T24 automatically works out cross currency rate for the transaction
and defaults

 While transferring to accounts, possible to have future value date


for customer accounts
 Value date is used for interest calculation

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Inputting a Local Currency Transaction in Foreign Currency
T24 Teller > Different Types of Transactions

Menu Navigation
Workshop

Input a local currency transaction in a foreign account


 Use User Menu > Retail Operations > Account
Transactions > Teller Operations > Teller Cash > Cash
Deposit Foreign
Instructions

 Accept a GBP 10,000 deposit into your USD Account.


Waive charges
 Accept a GBP 40,000 deposit into EUR account. Do not
waive charges
 Validate and view System defaulted exchange rate, charges
and credit amounts as relevant
 Commit and get the records authorised

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Solution - Inputting Foreign Currency Transactions
T24 Teller > Different Types of Transactions
Workshop

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Solution - Inputting Foreign Currency Transactions
T24 Teller > Different Types of Transactions
Workshop

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Buying Foreign Currency Against Local Currency
T24 Teller > Different Types of Transactions

Menu Navigation
Workshop

 Buy foreign currency against local currency


 Use User Menu > Retail Operations > Account
Transactions > Teller > Teller Operations > Currency
Exchange > Buy FCY against LCY cash

Instructions

 Buy GBP 1,000 at exchange rate of 2.0 and commit


 Use denominations of GBP 50 and USD100

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Solution - Buying Foreign Currency Against Local Currency
T24 Teller > Different Types of Transactions
Workshop

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Agenda
T24 Teller

01 Learning Objectives

02 What does a Teller do ?

03 Static Tables

04 Creation of a Till

05 Different Types of Transactions

06 Transferring Money Between Tills

07 Till Closure

08 Parameter Tables

09 Enquiry

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T24 Teller
T24 Teller > Transferring Money Between Tills

 Transfer from and Transfer to Tills


 Ids of Teller who transfers cash and Teller who
receives cash
 Transfers can be done between a till and vault
also
• Vault Id used
• Usually it is 9999

 Currency and Amount


 Amount in the currency of transfer between
tills

 Authorised through Head Teller Operations

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Inputting a Till Transfer
T24 Teller > Transferring Money Between Tills

Menu Navigation
Workshop

 Transfer money from Till to Till


 Use User Menu > Retail Operations > Account
Transactions > Teller > Teller Operations > Till Transfer >
LCY Till Transfer

Instructions

 Transfer USD 50,000 to another Till in


denominations of USD100

 View the denominations in your till using enquiries

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Solution - Inputting a Till Transfer
T24 Teller > Transferring Money Between Tills
Workshop

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Solution - Inputting a Till Transfer
T24 Teller > Transferring Money Between Tills
Workshop

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Inputting a Till Transfer
T24 Teller > Transferring Money Between Tills

Menu Navigation
Workshop

 Transfer money from Till to Vault


 Use User Menu > Retail Operations > Account
Transactions > Teller > Teller Operations > Till Transfer >
Till to Vault

Instructions

 Transfer GBP 10,000 to the Vault in denominations


of GBP50

 View the denominations in your Till using enquiries

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Solution - Inputting a Till Transfer
T24 Teller > Transferring Money Between Tills
Workshop

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Agenda
T24 Teller

01 Learning Objectives

02 What does a Teller do ?

03 Static Tables

04 Creation of a Till

05 Different Types of Transactions

06 Transferring Money Between Tills

07 Till Closure

08 Parameter Tables

09 Enquiry

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T24 Teller
T24 Teller > Till Closure

 At the end of the day, all tills are closed after


transferring balance cash to Vault
 Some banks permit petty cash to be retained with Teller

 Cash balance with Teller


 Currency wise balance with teller reconciled with T24
balance
 Difference, if any, between cash on hand and what it
should be is indicated by T24

 Next day, till can be allotted to the same or to some


other Teller

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Closing a Till
T24 Teller > Till Closure

Menu Navigation
Workshop

 View your cash position and close your Till using the
following menu
 Use User Menu > Retail Operations > Teller > Teller
Operations > Enquiries > Cash Position By Till
• View your Till cash position

 Use User Menu > Retail Operations > Teller > Teller
Operations > Till Administration > Initiate Till closure
• Close your Till by indicating cash with you

 Use User Menu > Retail Operations > Teller > Head Teller
Operations > Enquiries > Cash position by currency
• View overall till balances in all currencies

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Solution - Closing a Till
T24 Teller > Till Closure
Workshop

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Solution - Closing a Till
T24 Teller > Till Closure
Workshop

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Agenda
T24 Teller

01 Learning Objectives

02 What does a Teller do ?

03 Static Tables

04 Creation of a Till

05 Different Types of Transactions

06 Transferring Money Between Tills

07 Till Closure

08 Parameter Tables

09 Enquiry

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T24 Teller
T24 Teller > Parameter Tables

 Parameter tables for TELLER to be set-up :

 TELLER.DENOMINATION
 TELLER.PARAMETER
 ACCOUNT.CLASS
Parameter  TELLER.TRANSACTION
Tables  TELLER.ID
 TELLER.PASSBOOK
 DEAL.SLIP.FORMAT
 APPL.GEN.CONDITION
 TT.GROUP.CONDITION

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T24 Teller
T24 Teller > Parameter Tables

 Teller.Denomination
 The description and currency wise value of denominations to be used in
the Teller application are defined in this table

 Teller.Parameter
 Parameter file to define general rules and Category and Transaction
codes to be used for Teller System . Eg, Vault ID and description
 Rules are set up company wise

 Account.Class
 This table is used to define the product category for which passbooks
should be issued instead of Statements

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T24 Teller
T24 Teller > Parameter Tables

 Teller.Transaction
 All the transactions that can be done using the Teller Application are
defined here
 If a transaction is not defined here, then such a transaction cannot be
done using the Teller Application

 Teller.ID
 This application is used to open tills, assign users to tills and close and
balance tills

 Teller.Passbook
 Format for the passbook can be defined in this table
 Details of what and when certain data should be printed can also be
given here. Eg. Customer Address to be printed on a new passbook,
when to print Balance brought forward etc

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T24 Teller
T24 Teller > Parameter Tables

 Deal.Slip.Format
 This table is used to define the data that is to be extracted from the deal
and where it should be printed on the advice

 Appl.Gen.Condition
 This table is used to create groups
 The purpose of creating these groups is to set up preferential
conditions

 TT.Gen.Condition
 This table is used to give the rate spread and the charges for a specific
group
 The groups used are the ones that were created using
Appl.Gen.Condition

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Agenda
T24 Teller

01 Learning Objectives

02 What does a Teller do ?

03 Static Tables

04 Creation of a Till

05 Different Types of Transactions

06 Transferring Money Between Tills

07 Till Closure

08 Parameter Tables

09 Enquiry

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T24 Teller
T24 Teller > Enquiry

 Cash position by Till


 Teller wise cash position for all currencies

 Cash position by Currency


 Currency wise cash position for all Tellers

 Account Balances
 Account balances with facility to drill down and view
the day’s entries, entry since last statement etc

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T24 Teller
T24 Teller > Enquiry

Cash Position by Till

Cash Position by Cash Position by


Currency Currency

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T24 Teller
T24 Teller > Enquiry

Account Balance Summary

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T24 Teller
T24 Teller > Enquiry

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Quiz
T24 Teller

1) Which User ID is used for the Vault ?

2) Is it mandatory to transfer all the cash in a till to the Vault


at EOD?

3) From where does the Teller Application get the exchange


rates ?

4) What is the status of the Vault at EOD ?

5) Where can we define the transactions that a Teller can


perform ?

6) Where are the Denominations of currency to be used in


Teller defined ?
What Did We Learn?
T24 Teller
Conclusion

Activities that can be performed using Teller

Static Tables

Inputting Teller Transactions

Parameter Tables

Enquiries

61
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