People who are trying to make a quick visit to the bank are often disappointed by how long simple transactions take. This can cause lots of frustration and even anger. Here are a few tips on how to make a bank visit a little less like pulling teeth.

1.    Know Your Account Information

Knowing your account numbers not only expedites the process of the teller looking you up by your name and figuring out which account you want to deposit into or withdrawal from. Plus knowing this information creates a more secure account, because you do not have to write your account number down on paper that you could lose. 

2.    Pre-fill Deposit Slips

Having to come in and either fill out a deposit slip or watch a teller fill it out takes precious time. While this is not a huge amount of time per trip, it can pile up over time. Most banks have blank deposit slips you can either grab from the lobby or ask for from a teller. Having these filled out before you come into the bank allow you to come in, give your pre-filled deposit slip and checks or cash to the teller and quickly get your receipt. 

3.    Bring Your ID

Having your driver’s license out and presented with any checks to cash or withdrawal slips you have removes any need for the teller to have to ask for your ID. Having an ID with you removes you having to pull it out of the bottom of your wallet/purse just to give it to the teller anyway.

4.    Be Clear About What You Want Done

A teller may be confronted with a customer who simply walks in and mumbles what they want to be done, simply giving a teller a check could mean you want to deposit the check, or you would like cash. The quickest and easiest solution is to bring your own slips for deposits, but for cashing a check just simply say you would like to cash a check and let them know if you have a preference on how you want your cash. This takes out any additional questions a teller may need to better serve you and get you in and out quickly!

5.    Sign Your Checks

Endorsing the back of your checks is what allows the bank to process a transaction, whether it is a deposit or cashing a check. If you bring a check to the bank already endorsed with your ID presented; the teller can immediately start processing the transaction. Now signing your check as soon as you get it is also dangerous because if someone steals the check with your signature on the back they can sign your name and could potentially get cash for it. The recommendation here is to sign the check right before you head to the bank so you can quickly get in and out, without the risk of losing the check with your signature on it over a few days until you make it to the bank.

6.    Use the Drive Thru

Most banks have a drive thru where you do not even need to get out of your car in order to make a deposit. The steps listed out previously still apply to the drive thru and will allow for an even more expedited process. Removing the time it takes to park, get out of the car, go into, and out of the bank may not seem like much time, but it can often save two to three minutes per visit. These few minutes per visit can make a huge difference over time. Places like Bank of America, who recently shut down some of their drive-thru windows, may not apply for this step, but it remains true for most banks.

7.    Go Inside For Complex Transactions

While the drive-thru is faster for basic deposits, withdrawals, and getting checks cashed, bigger transactions should be done inside the bank. When asking for information about loans or new accounts typically a teller can only offer a basic level of information. This is not on account of the teller you are speaking to is bad at their job; it just isn’t their job to open accounts or loans. Banks often have employees who are personal bankers. It is these employees’ jobs to explain and open accounts, process loans, and other complex tasks. A majority of banks will not do cashier’s checks or cash larger checks (above $2500.00) at the drive thru. In these circumstances coming inside the bank will make a long process a little quicker.

8.    Get Online Banking or Your Banks App

Online banking is a wonderful thing that allows you to check on your accounts even when the bank is not open. The same goes for an app that your bank has, most apps and online banking sites allow you to not only see your accounts but also to make transfers between them, which removes the need to go to the bank altogether. If you don’t think you are computer/phone savvy enough to get set up, go into your bank and ask a teller if they can offer you help, most bank employees will be more than happy to get you the help you need.