Teller Withdrawal

Overview

The teller withdrawal operation enables tellers to pay out cash to customers from their deposit accounts. This is a customer-facing transaction where the teller disburses physical cash and debits the customer's account balance.

Key Distinction

This operation involves physical cash paid out from the till and debited from a customer's deposit account. The till balance decreases by the withdrawal amount. This is different from:

Remove Cash from Till - Internal till cash removal (no customer involved)
Withdrawal Transactions - Channel-based withdrawals (ATM, mobile - no physical cash at till)

BPMCore Command

Command: InitiateWithdrawalCommand
Handler: AdministrationCoreDepositTransactionCommandHandlers
Transaction Type: CoreTransactionType.Withdrawal (when channelCode is a teller channel)

Transaction Characteristics

Characteristic	Details
Customer Involvement	✅ Yes - Customer present at counter to receive cash
Till Cash Impact	✅ Yes - Till balance DECREASES by withdrawal amount
Account Impact	✅ Yes - Customer account balance DECREASES
Physical Cash	✅ Yes - Cash paid out to customer
GL Posting	✅ Yes - Dr Customer Account / Cr Till GL
Notifications	✅ Yes - Customer receives withdrawal confirmation
Transaction Type	`CoreTransactionType.Withdrawal`
Channel Type	Teller channel (e.g., `TELLER`, `BRANCH_TELLER`)

Flow Diagram

Request Parameters

{
  "commandType": "InitiateWithdrawalCommand",
  "accountEncodedKey": "string",
  "amount": 0.00,
  "channelCode": "TELLER",
  "notes": "string",
  "serviceId": "string",
  "serviceDescription": "string",
  "transactionType": 2
}

Parameter Details

Parameter	Type	Required	Description
`accountEncodedKey`	string	✅ Yes	Customer account number or encoded key to withdraw from
`amount`	decimal	✅ Yes	Amount to withdraw (must be positive)
`channelCode`	string	✅ Yes	Teller channel code (e.g., `TELLER`, `BRANCH_TELLER`)
`notes`	string	⚠️ Optional	Additional notes or remarks
`serviceId`	string	⚠️ Optional	Service identifier for categorization
`serviceDescription`	string	⚠️ Optional	Description of purpose for withdrawal
`transactionType`	integer	✅ Yes	Must be `2` for `CoreTransactionType.Withdrawal`

Channel Configuration

The channelCode must be configured as a teller channel in the system. This determines:

Till GL account for posting
Transaction fees (if applicable)
Withdrawal limits
Audit trail categorization

Validation Rules

1. Account Validations

Validation	Description	Error Code
Account Exists	Account must exist in system	`NOT_FOUND`
Account Active	Account must not be in Locked or Dormant state	`ACCOUNT_IS_RESTRICTED`
Not Frozen	Account must not be frozen	`ACCOUNT_IS_RESTRICTED`
Not Locked	Account must not have transaction locks	`ACCOUNT_IS_RESTRICTED`
Account Type Check	Check account type-specific withdrawal rules	`INVALID_OPERATION`

2. Balance Validations

Validation	Description	Error Code
Sufficient Balance	Account balance ≥ withdrawal amount + minimum balance	`INSUFFICIENT_FUNDS`
Minimum Balance	Withdrawal won't breach minimum balance requirement	`MIN_BALANCE_BREACH`
Available Balance	Balance minus holds/liens ≥ withdrawal amount	`INSUFFICIENT_AVAILABLE_BALANCE`
Overdraft Check	If overdraft enabled, respect overdraft limit and expiry	`OVERDRAFT_LIMIT_EXCEEDED`

Overdraft Handling

The system supports temporary overdrafts with:

Overdraft Limit: Maximum negative balance allowed
Expiry Date: Overdraft facility expires after this date
Calculation: Available Balance = Account Balance + Active Overdraft Limit

3. Amount Validations

Validation	Description	Error Code
Positive Amount	Amount must be > 0	`INVALID_AMOUNT`
Withdrawal Limit	Amount ≤ account tier withdrawal transaction limit	`WITHDRAWAL_LIMIT_EXCEEDED`
Daily Limit	Amount + today's withdrawals ≤ daily limit	`DAILY_LIMIT_EXCEEDED`
Precision Check	Amount must have valid decimal places	`INVALID_PRECISION`

4. Till Validations

Validation	Description	Error Code
Till Open	Teller's till must be in OPENED state	`TILL_NOT_OPEN`
Till Assignment	Teller must be assigned to till	`TILL_NOT_ASSIGNED`
Till Sufficient Cash	Till balance ≥ withdrawal amount	`TILL_INSUFFICIENT_CASH`
Minimum Till Balance	Till balance after withdrawal ≥ minimum required	`TILL_MINIMUM_BREACH`
Branch Match	Account and till must be in same branch	`BRANCH_MISMATCH`

5. Channel Validations

Validation	Description	Error Code
Channel Exists	Channel code must be configured	`CHANNEL_NOT_FOUND`
Channel Active	Channel must be active	`CHANNEL_INACTIVE`
Operation Allowed	Channel must allow withdrawal operations	`OPERATION_NOT_ALLOWED`
Teller Channel Type	Channel must be teller-type channel	`INVALID_CHANNEL_TYPE`

State Transitions

GL Postings

Teller Withdrawal Entry

Account	Dr/Cr	Amount	Description
Customer Deposit Account	Dr	Withdrawal Amount	Customer account debited
Till GL Account	Cr	Withdrawal Amount	Cash removed from till

Example

Customer withdraws $2,000 cash from Savings Account (101-001). Till GL is 1010-TILL-001:

Dr  101-001 (Customer Savings)          $2,000.00
    Cr  1010-TILL-001 (Till Cash)                   $2,000.00
Narration: Withdrawal of $2,000 from account 101-001 via TELLER

Till Balance Impact

Always remember: Teller withdrawals DECREASE the till balance. The physical cash paid to the customer is removed from the till drawer.

Response Structure

Success Response

{
  "isSuccessful": true,
  "message": "Withdrawal processed successfully",
  "data": {
    "transactionId": "TXN-20250119-002345",
    "accountNumber": "101-001",
    "accountBalance": 8000.00,
    "withdrawalAmount": 2000.00,
    "tillBalance": 48000.00,
    "transactionDate": "2025-01-19T14:15:00Z",
    "reference": "WDL-002345",
    "narration": "Withdrawal of $2,000 from account 101-001 via TELLER"
  }
}

Error Response

{
  "isSuccessful": false,
  "message": "Insufficient balance",
  "errorCode": "INSUFFICIENT_FUNDS",
  "statusCode": "51",
  "availableBalance": 1500.00,
  "requestedAmount": 2000.00,
  "minimumBalance": 100.00
}

Common Use Cases

1. Regular Cash Withdrawal

Scenario: Customer needs cash for daily expenses

Flow:

Customer provides withdrawal slip with account number and amount
Teller verifies customer identity (ID, signature, biometrics)
Teller enters withdrawal details into system
System validates account balance and till cash availability
Withdrawal processes immediately
Teller counts cash in front of customer
Customer receives cash and receipt with remaining balance

2. Large Amount Withdrawal

Scenario: Customer needs $10,000 for business payment

Flow:

Customer preferably notifies branch in advance
Teller checks if till has sufficient cash
If till is low, request cash from vault first
Verify customer identity with enhanced checks
Process withdrawal transaction
Count large amount using cash counting machine
Provide customer with receipt and currency authenticity report

3. Emergency Withdrawal from Fixed Deposit

Scenario: Customer needs to break fixed deposit early

Flow:

Customer requests early withdrawal from fixed deposit
System calculates penalty (if applicable)
Process withdrawal from fixed deposit account
Deduct penalty amount
Pay out net amount to customer
Close or update fixed deposit account

4. Overdraft Withdrawal

Scenario: Customer has temporary overdraft facility

Flow:

Customer requests withdrawal exceeding available balance
System checks if overdraft facility exists and is not expired
Calculates: Available = Balance + Overdraft Limit
If withdrawal ≤ available, process transaction
Account goes into negative balance (overdraft)
Customer receives cash and overdraft usage notification

Integration Points

Teller Deposit - Opposite operation: accept cash from customer
Teller Transfer - Transfer funds before withdrawal
Remove Cash from Till - Internal till cash removal (NOT customer withdrawal)
Account Search - Look up customer account for withdrawal
Withdrawal Transactions - Channel withdrawals (ATM, mobile)
Vault Withdrawal - Replenish till from vault

Account Types Supported

Account Type	Withdrawal Allowed	Special Rules
Savings Account	✅ Yes	Check withdrawal limits and frequency
Current Account	✅ Yes	Usually no limits or restrictions
Fixed Deposit	⚠️ Conditional	Early withdrawal may incur penalty
Savings Plan	⚠️ Conditional	May require plan closure first
Overdraft Account	✅ Yes	Can withdraw beyond balance up to overdraft limit

Business Rules

Withdrawal Limits

Limit Type	Configuration	Enforcement
Minimum Withdrawal	`DepositProductConfig.MinimumWithdrawal`	Per transaction
Maximum Transaction	`AccountTier.WithdrawalTransactionLimit`	Per transaction
Daily Withdrawal Limit	`AccountTier.DailyWithdrawalLimit`	Per day aggregate
Monthly Frequency	`AccountTier.MaxWithdrawalsPerMonth`	Monthly count

Withdrawal Frequency Limits

Some account types (especially savings accounts) may have frequency limits:

Daily Frequency: Maximum withdrawals per day (e.g., 3)
Monthly Frequency: Maximum withdrawals per month (e.g., 6)
Penalty for Excess: Fee charged for withdrawals beyond limit

Minimum Balance Calculation

The system enforces minimum balance during withdrawals:

Available for Withdrawal = Account Balance - Minimum Balance - Active Holds

With Overdraft:
Available for Withdrawal = Account Balance - Minimum Balance - Active Holds + Overdraft Limit

Processing Times

Scenario	Processing Time
Standard Withdrawal	Instant (real-time)
Large Amount (> threshold)	Requires supervisor approval
Frozen Account	Rejected immediately
Dormant Account	Requires reactivation first
System Downtime	Queued for processing

Narration Templates

Withdrawal narration is generated using configurable templates:

Customer Narration:

`Withdrawal of ${context.amount} from ${context.accountNumber} via ${context.channelName}`

Channel Narration:

`Withdrawal of ${context.amount} from ${context.accountNumber} via ${context.channelName}`

Transaction ID:

`${context.transactionKey}`

These templates can be customized in the DepositProductConfig.NarrationTemplates.

Audit Trail

All teller withdrawals create comprehensive audit records capturing:

Transaction Details: Amount, account number, transaction ID
Teller Information: Teller ID, till ID, branch ID
Customer Information: Customer ID, account details, identity verification method
Cash Details: Currency, denomination breakdown (if captured)
Timestamps: Request time, processing time, cash disbursement time
System Information: IP address, terminal ID, session ID
Before/After State: Account balance before/after, till balance before/after
Approval Information: Supervisor approval (if required)
Narration: Customer and internal narrations

Error Handling

Common Errors

Error	Cause	Resolution
`TILL_NOT_OPEN`	Teller's till is closed	Open Till first
`INSUFFICIENT_FUNDS`	Account balance too low	Verify balance with customer, suggest transfer from another account
`TILL_INSUFFICIENT_CASH`	Till doesn't have enough cash	Request cash from vault
`ACCOUNT_IS_RESTRICTED`	Account locked, frozen, or dormant	Check account status, contact supervisor or branch manager
`WITHDRAWAL_LIMIT_EXCEEDED`	Amount exceeds transaction limit	Split into multiple transactions or request limit increase
`DAILY_LIMIT_EXCEEDED`	Customer exceeded daily limit	Customer must return next day or request limit increase
`NOT_FOUND`	Account doesn't exist	Verify account number with customer
`OVERDRAFT_LIMIT_EXCEEDED`	Withdrawal exceeds available + overdraft	Reduce withdrawal amount

Withdrawal Rejection Scenarios

Scenario	Action Taken	Customer Impact
Account Locked	Reject immediately	Customer must unlock account first
Frozen Account	Reject immediately	Customer must contact branch manager
Dormant Account	Reject immediately	Account must be reactivated
Insufficient Balance	Reject immediately	Customer must reduce amount or deposit first
Till Empty	Reject with suggestion	Replenish till from vault or direct customer to another teller

Security Considerations

Customer Identity Verification

Identity Verification Required

Teller withdrawals ALWAYS require customer identity verification:

Low Amount (< $1,000): Basic ID + Signature verification
Medium Amount ($1,000 - $5,000): ID + Signature + Account verification questions
Large Amount (> $5,000): ID + Signature + Biometric + Manager approval
Very Large (> $10,000): Enhanced due diligence + Source of funds inquiry

Authorization Requirements

Teller must be authenticated and authorized
Till must be open and assigned to teller
Customer must present valid identification
Signature must match bank records
Large withdrawals require supervisor approval (configurable threshold)
Manager override for withdrawals exceeding limits

Fraud Prevention

System checks for unusual withdrawal patterns
Velocity limits prevent rapid successive withdrawals
Alerts on withdrawals exceeding customer's typical behavior
Cross-reference with customer profile and transaction history
Flag dormant accounts suddenly activated for large withdrawals
Real-time monitoring for suspicious activity
Integration with fraud detection systems

Compliance Features

Automatic reporting for large cash withdrawals (regulatory threshold)
Enhanced due diligence for high-risk customers
Purpose of withdrawal documentation for large amounts
Anti-money laundering (AML) screening
Politically Exposed Person (PEP) checks
Currency Transaction Report (CTR) generation

Performance Considerations

Till Cash Management

Till Cash Shortage Prevention

Monitor till balance throughout the day. When till is running low:

Request Cash from Vault - Replenish till from branch vault
Transfer Between Tills - Balance cash across tills
Proactive Monitoring: Set alerts when till balance drops below threshold
Peak Hour Planning: Ensure adequate cash during busy periods

Cash Counting and Disbursement

Amount Range	Recommended Practice
< $1,000	Manual count once by teller
$1,000 - $5,000	Double-count by teller in front of customer
$5,000 - $10,000	Machine count + manual verification
> $10,000	Machine count + supervisor verification + customer confirmation

Cash Denomination Management

Maintain adequate mix of denominations
Avoid paying out only large bills
Request smaller denominations from vault when needed
Track denomination distribution in till

Teller Deposit - Process customer deposits
Teller Transfer - Transfer between customer accounts
Account Search - Look up accounts for withdrawals
Till Management - Till operations overview
Withdrawal Transactions - Channel withdrawals
Transaction Reversal - Reverse incorrect withdrawals
Vault Management - Vault cash operations

Best Practices

Always verify customer identity before processing withdrawal
Check till cash availability before committing transaction
Count cash twice in front of customer for amounts > $500
Provide immediate receipt upon cash disbursement
Monitor till balance and request replenishment proactively
Verify large withdrawal purpose for compliance
Secure cash handling: Keep till drawer locked when not in use
Report suspicious activity immediately to supervisor
Document approval for limit override or large withdrawals
Balance customer service with security: Be friendly but vigilant

Overview​

BPMCore Command​

Transaction Characteristics​

Flow Diagram​

Request Parameters​

Parameter Details​

Validation Rules​

1. Account Validations​

2. Balance Validations​

3. Amount Validations​

4. Till Validations​

5. Channel Validations​

State Transitions​

GL Postings​

Teller Withdrawal Entry​

Example​

Response Structure​

Success Response​

Error Response​

Common Use Cases​

1. Regular Cash Withdrawal​

2. Large Amount Withdrawal​

3. Emergency Withdrawal from Fixed Deposit​

4. Overdraft Withdrawal​

Integration Points​

Related Operations​

Account Types Supported​

Business Rules​

Withdrawal Limits​

Minimum Balance Calculation​

Processing Times​

Narration Templates​

Audit Trail​

Error Handling​

Common Errors​

Withdrawal Rejection Scenarios​

Security Considerations​

Customer Identity Verification​

Authorization Requirements​

Fraud Prevention​

Compliance Features​

Performance Considerations​

Till Cash Management​

Cash Counting and Disbursement​

Cash Denomination Management​

Related Documentation​

Best Practices​

Overview

BPMCore Command

Transaction Characteristics

Flow Diagram

Request Parameters

Parameter Details

Validation Rules

1. Account Validations

2. Balance Validations

3. Amount Validations

4. Till Validations

5. Channel Validations

State Transitions

GL Postings

Teller Withdrawal Entry

Example

Response Structure

Success Response

Error Response

Common Use Cases

1. Regular Cash Withdrawal

2. Large Amount Withdrawal

3. Emergency Withdrawal from Fixed Deposit

4. Overdraft Withdrawal

Integration Points

Related Operations

Account Types Supported

Business Rules

Withdrawal Limits

Minimum Balance Calculation

Processing Times

Narration Templates

Audit Trail

Error Handling

Common Errors

Withdrawal Rejection Scenarios

Security Considerations

Customer Identity Verification

Authorization Requirements

Fraud Prevention

Compliance Features

Performance Considerations

Till Cash Management

Cash Counting and Disbursement

Cash Denomination Management

Related Documentation

Best Practices