A bank customer has a joint account and a personal account with us. She wants to transfer funds from one account to the other at teller, not through internet banking nor through ATM.
To make things worse, she didn't bring her check. In this case, what should a teller do, cash out from one account using withdrawal ticket and cash in to the other with deposit ticket? This case is triggering CTR reporting.
Can the teller use debit memo? This case was reported as an issue by internal audit long time ago, but on what ground?
What is the best way to handle the transfer at a teller station, if internet banking, ATM, check are not available.
Thank you.
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Seeing faults in others as your own.