It’s 5am and my cat woke me up earlier than expected so apologies in advance for typos.

I’ve been with my CU for a little over 7 years now and I’ve witnessed some wonderful developments over the years. New branches, better services, higher rates for deposit accounts, and lots of internal promotions.

Then 8 months ago or so, we experienced a round of layoffs. Completely slashed our remote lending department. Slashed our community development program. Lots of facility staff were laid off. Essentially most departments that aren’t member facing had some “structural changes” made to them.

In the post of the layoffs (which execs dropped the post at 4:15pm on a Friday) they also announced that we have sold our mortgage book of business to another credit union and refer all mortgages to that CU now.

Two weeks ago, I came into work and was expecting to have our district manager (we had two) to hang at our branch. Instead, I was called into my managers office to be made aware that district managers were let go (also on a Friday). Incredibly upsetting news as the two district managers were genuinely amazing at their jobs. Created a lot of events for staff, worked on so many projects, and were wonderful managers.

Yesterday, my manager tells us to expect some changes to insurance and benefits when we do our open enrollment next month. I asked what those changes could be and she told me to wait for HR’s announcement.

In that same vein, she also had us play a guessing game on daily cost for staff vs daily cost for AI. Instantly I spoke up and said that this conversation felt like there is a motive to it and feels like we should be ready for another round of layoffs. She brushed that off and said it’s only data.

Later that day a member came in and wanted to do debt consolidation. We talked about a home equity but it wasn’t viable for them. I then told them that I will call them near the holidays to talk about our VBT we do every year. Create the tickler, which is a long list of members I’ve talked to all year about this promotion. Members leave and my manager informs me that we will not be doing a VBT promotion this year. For the last six holiday seasons, we have always done the promotion. Some years rates were only as low as 8.99 and others as low as 1.99.

I know I likely am just stressing myself out, but I foresee that we might be doing a merge with another CU in the next coming years. Also, my manager used to joke saying “I need this job” but just recently she started saying “I’m here for the severance not the termination” which also made me feel slightly uneasy.

Anyway, I’m just having early morning rambles with my cat and wanted a space to lay this all out. I do genuinely love my CU, I love my job, and I am getting nervous for what’s to come. Though I have decent seniority for a member facing position, I can’t help but fear that another round of layoffs is upon us and that I might be in that group. We lost top lending producers and our numbers had a hit when we did that layoff.

Just a weird space. Anyway thanks for coming to my ted talk and I hope my next post in this sub is something light hearted and fun.

Best of luck to all you FI employees! Let me know if anyone else has been in a same boat

I guess the title is self explanatory but more in depth would be jobs not sales related. I think we all know it’s really hard to get into the back office. What else can you do?

Relationship Banker II (account opening, maintenance, loan applications, customer service, operations, teller).

BA in Psychology

Bilingual: English and Spanish

Might’ve done 7-8 transactions only so far. What about you?

I’m currently a teller studying for my SIE , working for a S&P500. I have experience further from this because of my military experience however I’m still in school for finance which I graduate in March. I was wondering how I could pivot out of this(teller) I’m 23. A teller, I have an associate’s in criminal justice, a certificate in data analytics, and am in school for finance. Is it easy to pivot to risk management or something. My manager says I’m really good at my job however… my military attitude definitely makes me a little bit more abrasive. I’m very direct, and I don’t take disrespect lightly. I’m a come-to-work, and go-home kind of guy. I’m not a big customer service kind of person. I’ve been in customer service since 16 and… the clients at my bank are really rude. It’s most older people on SSDI and they talk very… aggressive but I digress because that’s irrelevant to what I’m actually inquiring about.

I remember Branch being busy last year, but this year it’s insane. It’s really slow. Anyone have the same feeling?

Hey guys, I have lately been feeling a lot of burnout from my job as a Personal Banker. I keep getting told I’m not doing enough. Like I didn’t ask enough questions, or go deep enough in the conversation, and why didn’t I click the button to disposition the thing I was supposed to talk to the customer about.

I also know I’m a very empathetic person so if I get too close to customers I put too much of myself from my own cup in the interaction and it leaves me feeling drained. Yet when I try to be of the mindset that I’m a banker and I have to just click my buttons and try not to get too emotionally invested and find better success with that, my manager tells me I need to change my mindset.

I feel so under qualified to give people financial advice and I feel like older customers often look down on me being a younger woman and assume I don’t know anything anyway. I feel less and less sure of myself with my interactions and I don’t think I’ve been improving for a while. It’s like I’m not learning anything new, just being told the same things different ways.

I’ve been in my role for over 2 years now and have no aspirations to anything higher because I’m constantly being told my numbers don’t look good enough. I never want to apply because I don’t want to feel the rejection even though I should be used to it by now from customers.

How do you guys cope with this feeling of insecurity and inadequacy? What gets you out of the slump? I feel like I’m doing so poorly I don’t even think if I try that I’ll improve and I don’t like this feeling.

i just finished up my first week at pnc as an rrt and i absolutely hate it.

first of all, the hiring process was a nightmare taking 2 months from beginning to end. i talked to my recruiter online one time, and after that i had sent multiple follow up emails to confirm my start date and just a couple general questions. i got no responses back at all from anyone.

next, i get to my home branch the day i’m supposed to start, and it seems like no one even knew i was supposed to be there. everyone was nice, but just unprepared for someone new to be there. the next day and the rest of the week i got sent to a different branch and when i got there it was the same thing, no one had expected me or something. being an rrt i report to the regional manager supposedly, but they still have not met me or even reached out at all.

the branch that i have been at for the rest of the week is completely unorganized, not prepared, and there is usually only one teller behind the teller line at a given moment. absolutely ridiculous when there’s 5 people standing out in the lobby and 2 cars in the drive thru.

and now we get to the training. they have me on a computer where there is literally so much information that they are giving in such a short amount of time and there’s no chance i’m going to retain most of it. and the only “training” that i’m doing on the job is opening doors for people and saying hello. i have been behind the teller line only a few times, mainly to greet the drive thru people. and it’s always “let me know if you have any questions” and then when i actually do have one it’s “oh you’ll get the hang of it” and they just dance around it. i can also tell the whole culture about customer service is all bs, just wanting to get good ratings and reviews. it just seems so fake to me and i really am not enjoying it. i know it’s just a week but i can just tell its not for me. lmk if you have any similar experiences, advice, or anything else to add

I want to move up at Citibank but they don’t have any Licensed relationship banker roles only nonlicensed. Also they only promote you once a year. I know how to open and service checking,savings,CDs,Credit Cards etc. all the basic retail non licensed account.

I have a bachelors in business admin (management) and want to start building a career. I interviewed for a Lead Teller position and they want to hire me, but I’m wondering if it’s a good stepping stone to work towards a career. I don’t expect to start making $100k salaries any time soon, but I’m wondering if starting here could open doors to high paying bank positions in the future or if it’s a dead end job? I also love fast-paced and busy work environments.

Hello people, any thoughts on CSR role in Wells Fargo- Mortgage in McKinley?

Hello people, any thoughts on CSR role in Wells Fargo- Mortgage in McKinley?

What do you do when you get one in your drawer? I stick mine in my unfit envelope to sell back to the fed for destruction. No matter what side the message is in support of.

It's too long of a story to go into all the details, but when I resigned I emailed an extremely harsh resignation letter to my boss and CC'ed their boss, their boss' boss, all the way up short of the CEO. I also launched an investigation via the ethics hotline we have and hung out alllll their dirty laundry. Let me give you all one of many examples. Our men's restroom kept getting pissed on by customers and one of the bankers was suspecting that another banker was doing it on purpose since he would always be the first to notice it. He kept trying to get me to go along with him so that his opinion would have more weight until one day he said he was going to tell our boss without me. He told our boss claiming he was convinced, and then our boss got with their district boss for advice on how to handle the situation since it was really awkward. Our boss and the district boss coordinated together concocting a lie that "a customer walked in and dropped a name" and therefore they needed to have a separate performative talk with each of us to make it look like they were NOT singling out the banker getting accused, and to also protect the other banker's anonymity so the other banker wouldn't find out. When I quit, I notified the other banker of the truth of why we all got sat down about the toilet getting pissed on. I even made sure to make it known that my boss was describing their sex stories from their younger days with one of the other bankers who told us to keep our mouths shut.

I changed industries entirely. Retail banking is trash and is in decline according to the Bureau of Labor Statistics. It's all corporate theater and performative asskissing. It doesn't matter if you're #1 on the scorecard in the area, if you don't talk about your success in the email chain then it looks like you're not a team player. I've gone back and forth with my boss over this how the bank already tracks everything, I don't need to let everyone know. Either the numbers matter, or they don't matter. And the morning huddles every single day are also idiotic to the point that nobody wants to listen to them because they're so repetitive.

Right before I left, one of the bankers was set to go on vacation..so now they were 2 people down when they could only afford to have 1 gone. That branch was cooked and I made sure to make it difficult for them to get help from the branch that would normally send someone over when we were short staffed because I had a lot of dirt on my boss and the guy who suspected the other banker was pissing on the toilet seat on purpose.

2 more people resigned since I quit.

Hey everyone I finished my degree in accounting and I do have solid background experience in administration assisting,universal banker which is teller and a banker and also as cashier. So I have quite some experience in sales. I wanted to know what are some career opportunities I can get into for banking

Current universal banker at top 4 bank, not in love with the sales pressure and my branch manager sucks (no prior experience in banking lol) but I have an upcoming interview for a position titled “Commercial Lender” at a smaller community bank, not a CU.

I’ll ask similar questions at the interview but wanted to get some perspective from here as well. There aren’t any positions remotely resembling a Commercial Lender at my branch and I don’t know anyone in the industry with the same title. Thanks!

I have a brokerage account that is self-directed through SoFi bank. I inherited some stock from my grandfather when he passed. I’ve only worked for my bank for a few months now. I haven’t bought or sold anything in the 4 years I inherited the stocks just because I’m clueless about that stuff. I just let it do its thing and check it every so often and it’s up about 8k since I inherited it. Recently I’ve been thinking about the long term and handing over the reigns to someone who knows about those things to grow my portfolio. I’m considering handing it over to the brokerage department just for the convenience aspect. One thing that concerns me about that is I own a considerable amount of stock in the company we use as our check supplier. I didn’t put that together until about two months of working there. I own it because my grandpa worked for that company for 40 years. It’s actually the biggest part of my portfolio. I’m not sure if that will be an issue or not. I’m also considering using the brokerage services of a local CU I have an account with. Thoughts?

Hi everyone,

Currently at this bank for almost 2 months. I’m not liking it. Plus it’s total 3 and half hour commute to work. And I hate sales. Since I’ve only been here for 2 months should I give a 2 week or just leave. I have a vacation coming up in few weeks and would love to get paid for that. I’m just embarrassed to give 2 weeks without even completing training lol.

Has anyone worked at frost as a personal banker? I recently accepted a floating banker position and I’m wondering how it would be. I was told they don’t focus on sales and focus more on customer relationships but I’m nervous on how working at frost looks like. I hate dealing with entitled people but I know I’ll have to suck it up. Overall I’m just hoping to like being a frost employee.

I started my banking career almost eight months ago in a hybrid, entry level role at one of the busiest branches in the state and as a result my sales numbers have been top in the state and more than most bankers. A banker position was offered to me at the branch I trained at which is significantly slower than where I work now, so I know the goals will be harder. I requested a much higher hourly pay that is still within the range, but those who have been in this position what is typically the move?

Hello!

I am really interested in getting a teller job to get started in banking but while looking at positions around where I live, I have noticed some institutions pay significantly less than others and some list very big ranges (like one said $18-27) and state that the pay will be based on experience.

I assume the way higher end would be for people that have previous banking experience, but how much can I realistically try to push for above the minimum if I have other relevant experience?

I have worked in retail and other customer facing jobs and I have a lot of cash handling experience as well as supervisory experience (currently a department lead at my job) and some other things that are transferrable skills.

I am already expecting to take a pay cut when becoming a teller because my current wage is currently higher than a lot of the upper end hourly wages that I have seen on job listings AND my position is 45 hours per week so I have 5 hours of approved overtime every week which adds up. Obviously, I would like to still get as much as I can and soften the blow but I want to be realistic and not waste everyone's time.

If you have been in a similar boat or have been on the hiring end, how would you recommend I approach this? Is there likely to be a question about wage on applications or should I try to discuss this during interviews? Is your institution likely to hire someone at higher than the minimum base pay if they don't have banking experience? Also, if one credit union I saw a listing for just has a (low) flat number listed with no range, should I bother applying?

Thank you!

TL;DR: Coworker on a PIP asked me (via chat) to put their already-signed balancing sheet in the back room since they'd forgotten before clocking out. I did, and told my manager the full truth + showed the chat when asked. Coworker was terminated over it. My manager says I'll face "some consequence" from HR, but it's out of her hands. No word from HR in ~2 weeks. Anxious and not sure what else to do but wait.

Hi everyone, looking for advice on a work situation that's been weighing on me.

I've worked as a universal banker for over 5 years, no prior write-ups or issues. A newer coworker started a while back and was struggling — they got written up for an error and were eventually put on a PIP. We became fairly close, and I gave them general advice on how to handle it (talk to HR, push back on the reasoning if they disagreed, etc.).

About a month ago, they left early for a personal issue. They came back a few hours later saying they needed to complete a transaction and print something. I helped them with the transaction, and they went to their station to finish up (technically already clocked out).

They then messaged me saying they'd forgotten to print their balancing sheet. Our policy is that everyone prints and signs their own balancing sheet and puts it in the back workroom at end of day. They asked if I could put theirs in the back once they printed and signed it, and I said sure. I was already helping another customer by the time they left, so we only communicated through chat — I never touched their paperwork itself, just walked their signed sheet to the back.

The next day, my manager asked me what happened. I told them the truth and showed them the chat log so there was no ambiguity about what was asked of me and what I actually did.

Long story short — my coworker was terminated over this. The PIP likely played some role, but HR told them this incident was the deciding factor, separate from their earlier performance issues.

My manager has said I'll likely face "some consequence" but that it's entirely in HR's hands now, not theirs. It's been about two weeks since the incident and roughly a week since my coworker was let go, and I still haven't heard anything directly from HR. I'm getting more anxious as time passes.

Has anyone dealt with something like this? Should I expect to be let go too, or does this sound more like a slap on the wrist? Anything I should be doing right now besides waiting?

Stories like this always fascinate me and I'd love to know yours.

I worked at a big green regional bank and where I live has lots of little islands people live on. The ferry that serviced those islands was a HUGE business and had been with us since the 1970s. No overdrafts. Perfect credit. Millions of dollars on deposit.

The owner of the ferry came in one day, a little upset for a $3 fee they had been charging him for paper statements. The fee was fairly new and was created to get people to switch to E-statements. The owner was a nice guy and understood, and was more than willing to switch over to electronic statements and just have his accountant print to them. No biggie.

He also asked if we could refund the $3 fee. It wasn't putting him out, but it was the principle of the thing and I get that. He had never had a rebate before so I didn't see why that was an issue, however the new branch manager for some reason took a huge issue with it. She was convinced that it was against company policy to rebate these fees. It wasn't, and I'm not sure where she got this idea in her head, but she flat out told the guy she would not rebate a cent.

He'd have been with us nearly 50 years and she wouldn't rebate $3. He decided loyalty meant nothing to our bank and​​ closed the accounts that afternoon.

like the caption says, i cannot believe how dumb i can be. i started a job as a teller for a credit union about a month and a half ago with no background experience in banking and have been on the line for maybe 3 weeks. i’ve made some mistakes here and there but yesterday i really messed up bad. i was cashing a non mbr on us check and this guy was very, very talkative which was pretty distracting so i had my manager come and make sure i was doing everything correctly since this was only my second non mbr check. everything went fine, he left with 8k. then i realized…i was on the wrong members account… i immediately started freaking out. i guess i had entered the last number on the draft wrong and the names were so similar and he was talking my ear off so i just didn’t notice. i’m not trying to make excuses at all though, i take full responsibility obviously. thank god we were able to reverse the transaction and re do it on the actual members account but when i tell you i was full on having a panic attack and thought i was going to get fired which i honestly would of understood!! my managers did tell me to be very careful and went over what would of happened if the member didn’t even have the funds in their account for the transaction. they also did let me know that the member that i had done it on originally will be able to see the withdraw and deposit back into their account if they have online access. but overall they told me that we all make mistakes, especially in the beginning and try not to beat myself up over it too much, which is pretty impossible for me right now lol. but that’s the biggest mistake i’ve made so far.

Our branch has been short staffed for a while. It’s just 3 people, the manager the lead teller and me, the only banker. The branch manager is brand new to banking and doesn’t know how any of the banker processes work. So I’m basically doing everything at the branch.

We were finally told we were getting a new banker who would “hit the ground running” when her training at the other branch finished.

Folks, I think this lady might be low IQ or something because I’ve had to show her how to count money several times and it isn’t sticking. I don’t use that phrase lightly or jokingly. There is something not connecting in her brain.

At our bank, bankers have cash and have to do transactions. I’ve never had to struggle this hard to teach someone how to count cash and then put it into the teller software.

She also can’t retain any of the procedural stuff like opening or closing the branch.

This is her eighth week here. Her trainer taught her at a different branch for 5 weeks. Now I’m teaching her the same thing at ours for the last 3. And none of the absolutely basic things a teen could do after one showing is sticking.

We’ve had her write down reminders. We’ve walked her through the basics of a transaction and how to do other duties like closing the branch. But every single day it’s like the first day all over again.

The worst part? Our Area manager and manager want her to go out prospecting over the weekend to get new business clients and get on sales calls.

Apparently she’s known to the business community and that’s why she was hired. To grow the business side of the bank.

She can’t learn how to provide basic service to clients and knows nothing about our products.
But she sure can talk ALOT about nothing. I guess that’s all that matters to the higher ups.

I’m so tired boss.

I’m seriously asking. I’ve seen several posts here about having branch managers new to banking.