Teller Transaction Flows
Overview
This document provides comprehensive visual diagrams showing how each teller transaction type impacts:
- Teller Till (cash balance)
- Customer Accounts (deposit/loan accounts)
- Transaction States (PENDING → SETTLED)
- GL Accounts (accounting entries)
- System Validations (branch open, till open, limits)
1. Customer Cash Withdrawal Flow
Transaction Impact
State Changes
Impact Summary
| Component | Impact | Details |
|---|---|---|
| Teller Till | 💰 Cash DECREASED | Till cash balance reduced by withdrawal amount |
| Customer Deposit Account | 💳 Balance DECREASED | Account debited with withdrawal amount |
| GL Accounts | 📊 Dr: Cash-in-Till, Cr: Deposit Account | Double-entry accounting posted |
| Transaction State | ✅ SETTLED | Transaction immediately completed |
| Notifications | 📧 TellerWithdrawal | SMS/Email sent to customer |
2. Customer Cash Deposit Flow
Transaction Impact
State Changes
Impact Summary
| Component | Impact | Details |
|---|---|---|
| Teller Till | 💰 Cash INCREASED | Till cash balance increased by deposit amount |
| Customer Deposit Account | 💳 Balance INCREASED | Account credited with deposit amount |
| GL Accounts | 📊 Dr: Deposit Account, Cr: Cash-in-Till | Double-entry accounting posted |
| Transaction State | ✅ SETTLED | Transaction immediately completed |
| Notifications | 📧 TellerDeposit | SMS/Email sent to customer |
| Interest | 💹 Accrued (if applicable) | Interest calculation updated for interest-bearing accounts |
3. Customer Account Transfer Flow
Operation Classification
This is a customer-facing transaction where the teller helps customers transfer funds between their own accounts. For internal till cash management (till-to-till transfers), see Transfer Between Tills.
Transaction Impact
State Changes
Impact Summary
| Component | Impact | Details |
|---|---|---|
| Source Customer Account | � Balance DECREASED | Source account debited with transfer amount |
| Destination Customer Account | � Balance INCREASED | Destination account credited with transfer amount |
| Teller Till | ❌ NO IMPACT | No physical cash involved - electronic transfer only |
| GL Accounts | 📊 Dr: Dest Account, Cr: Source Account | Account-to-account transfer posted |
| Transaction State | ✅ SETTLED | Transfer immediately completed |
| Notifications | 📧 TWO SENT | Debit notification (source) + Credit notification (destination) |
| Customer Presence | ✅ REQUIRED | Customer must be present at counter for teller-assisted transfer |
4. Loan Repayment via Teller Flow
Transaction Impact
Payment Application Order
Impact Summary
| Component | Impact | Details |
|---|---|---|
| Teller Till | 💰 Cash INCREASED | Till cash increased by payment amount |
| Customer Loan Account | 💳 Balance DECREASED | Loan outstanding reduced |
| Loan State | 🔄 May Change | In_Arears → Active, or Active → Closed |
| GL Accounts | 📊 Multiple Entries | Separate entries for Penalty, Interest, Principal |
| Payment Application | 📋 Hierarchical | Penalty → Interest → Principal |
5. Cheque Deposit Flow
Transaction Impact
Cheque Lifecycle States
Impact Summary
| Component | Impact | Details |
|---|---|---|
| Teller Till | 💰 NO IMPACT | Cheques don't affect till cash (non-cash instrument) |
| Customer Deposit Account | 🔒 Hold Placed | Amount held, not immediately available |
| Cheque Register | 📋 Status: PENDING | Cheque tracked until clearing |
| GL Accounts | 📊 Suspense Entry | Dr: Cheque Suspense, Cr: Pending Deposit |
| After Clearing (T+3) | ✅ Funds Available | Hold released, balance increased |
| If Bounced | ❌ Hold Reversed | Amount removed, customer notified |
6. Add Cash to Till (Vault → Till)
Transaction Impact
Impact Summary
| Component | Impact | Details |
|---|---|---|
| Branch Vault | 💰 Cash DECREASED | Vault cash reduced |
| Teller Till | 💰 Cash INCREASED | Till cash increased (opening float/top-up) |
| GL Accounts | 📊 Dr: Cash-in-Till, Cr: Cash-in-Vault | Internal cash movement |
| Transaction Type | 🔄 Internal | No customer account impact |
7. Remove Cash from Till (Till → Vault)
Transaction Impact
Impact Summary
| Component | Impact | Details |
|---|---|---|
| Teller Till | 💰 Cash DECREASED | Till cash reduced (excess removal/end-of-day) |
| Branch Vault | 💰 Cash INCREASED | Vault cash increased |
| GL Accounts | 📊 Dr: Cash-in-Vault, Cr: Cash-in-Till | Internal cash movement |
| Transaction Type | 🔄 Internal | No customer account impact |
Transaction Validation Matrix
Required Validations for Each Transaction Type
| Validation | Withdrawal | Deposit | Account Transfer | Loan Repayment | Cheque |
|---|---|---|---|---|---|
| Branch is OPEN | ✅ | ✅ | ✅ | ✅ | ✅ |
| Till is OPENED | ✅ | ✅ | ✅ | ✅ | ✅ |
| User is Active | ✅ | ✅ | ✅ | ✅ | ✅ |
| Account is Active | ✅ | ✅ | ✅ (both) | ✅ | ✅ |
| Sufficient Account Balance | ✅ | N/A | ✅ (source) | N/A | N/A |
| Sufficient Till Cash | ✅ | N/A | ❌ No till cash | N/A | N/A |
| Currency Match | ✅ | ✅ | ✅ | ✅ | ✅ |
| Amount > 0 | ✅ | ✅ | ✅ | ✅ | ✅ |
| Transaction Limits | ✅ | ✅ | ✅ | ✅ | ✅ |
| Same Customer (Ownership) | N/A | N/A | ✅ | N/A | N/A |
| Cheque Validity | N/A | N/A | N/A | N/A | ✅ |
Till Cash Management Validations
For internal till operations validations (add cash, remove cash, till-to-till transfer), see Till Transaction Validations.
Till State Requirements
Till Must be OPENED
GL Account Postings Summary
Double-Entry Accounting for Each Transaction
| Transaction Type | Debit (Dr) | Credit (Cr) |
|---|---|---|
| Customer Withdrawal | Cash-in-Till GL | Customer Deposit Account GL |
| Customer Deposit | Customer Deposit Account GL | Cash-in-Till GL |
| Customer Account Transfer | Destination Account GL | Source Account GL |
| Loan Repayment (Penalty) | Cash-in-Till GL | Loan Penalty Income GL |
| Loan Repayment (Interest) | Cash-in-Till GL | Loan Interest Income GL |
| Loan Repayment (Principal) | Cash-in-Till GL | Customer Loan Account GL |
| Cheque Deposit (Initial) | Cheque Suspense GL | Pending Deposit GL |
| Cheque Cleared | Cheque Clearing GL | Customer Deposit Account GL |
Till Cash Management
For internal till operations (add cash, remove cash, till-to-till transfer), see Till Accounts Documentation.
BPMCore Command Reference
Customer-Facing Teller Transaction Commands
| Transaction | BPMCore Command | Handler |
|---|---|---|
| Customer Withdrawal | WithdrawFromTellerTillCommand | AdministrationCoreTelleringTransactionCommandHandlers |
| Customer Deposit | DepositToTellerTillCommand | AdministrationCoreTelleringTransactionCommandHandlers |
| Customer Account Transfer | InitiateTransferCommand | AdministrationCoreDepositTransactionCommandHandlers |
| Loan Repayment | LoanRepaymentWithTellerCommand | AdministrationCoreTelleringTransactionCommandHandlers |
| Account Search | TelleringAccountSearchCommand | AdministrationCoreTelleringTransactionCommandHandlers |
Internal Till Operations
For till cash management commands (add cash, remove cash, till-to-till transfer, open/close till), see Till Accounts Developer Guide.
Common Error Scenarios
Validation Failures
Best Practices
1. Till Management
- ✅ Always open till at start of day
- ✅ Verify opening float matches expected amount
- ✅ Close till at end of day and balance
- ✅ Remove excess cash to vault regularly
2. Transaction Processing
- ✅ Verify customer identity before processing
- ✅ Count cash twice (give and receive)
- ✅ Print receipt for every transaction
- ✅ Use correct transaction reference
3. Security
- ✅ Never share till access
- ✅ Lock workstation when away
- ✅ Report discrepancies immediately
- ✅ Follow dual-control for large amounts
4. End-of-Day Procedures
- ✅ Balance till cash vs system records
- ✅ Resolve any discrepancies before closing
- ✅ Transfer excess cash to vault
- ✅ Close till in system
Related Documentation
- Deposit Accounts - Customer deposit accounts
- Loan Accounts - Customer loan accounts
- Vault Management - Branch vault operations
- Enums - State enumerations and values
Handler: AdministrationCoreTelleringTransactionCommandHandlers