Retail Banker - Texarkana/St. Michaels

Farmers Bank & Trust; Texarkana (TX); On-site; USD 32,000 - 42,000; Full time

Job summary

Farmers Bank & Trust in Texarkana, TX seeks a Retail Banking Associate to handle customer transactions, including deposits, check cashing, loan payments, and money orders, while ensuring proper endorsements and positive ID verification.

You will open new accounts in compliance with bank policies, advise customers on products and services, resolve transaction discrepancies, and help with sign-on credentials, checks, and stop payments.

Qualifications

• 12–18 months related experience and/or training.
• High School or GED required.
• Confidential handling of customer information.

Responsibilities

• Accepts retail banking transactions including deposits, cashes checks, loan payments, money orders, and cash advances.
• Opens new accounts accurately and per bank procedures.
• Issues debit cards, online banking credentials, orders checks, and handles sign‑offs.
• Builds relationships and makes referrals to other departments.
• Represent the bank at community events and generate new business.

Skills

Cash handling

Customer service

Banking policies

Attention to detail

Education

High School or GED

Job description

Job Details

Job Location: St Michael Dr - Texarkana, TX 75503, General Purpose: Accepts retail banking transactions from customers, including deposits of cash and/or checks, check cashing, loan payments, money orders, cashiers checks, cash advances, etc. In the course of accepting these transactions, examines checks for proper endorsements, verifies legality of documents, and ensures positive identification of customers. Opens new accounts accurately and in compliance with bank policies and procedures. Performs other services for customers as needed.

Duties

Accepts cash and check transaction deposits, cashes checks, takes loan payments, sells money orders and cashiers checks, and processes cash advances. During the course of processing these transactions, examines checks for proper endorsements, verifies legality of documents and makes positive identification of customers. Assists customers with running coin through coin counters and exchanging for credit. Records all transactions promptly, accurately and in compliance with bank procedures. Balances currency, coin, checks in cash drawers and assists with ATM balancing as applicable.

Answers customer inquiries regarding interest rates, accounts, and products and services. Resolves customer issues with transaction discrepancies. Performs services for customers including address changes, issuance of debit cards, submission of debit card disputes, issuance of on-line banking sign-on credentials and helping with sign-on issues, ordering checks, and processing stop payments. Opens new accounts accurately and in compliance with bank policies and procedures. Build relationships with customers and non-customers, offering products and services that are best suited for their needs. Make referrals to other departments such as new accounts, treasury management, loans, mortgage, insurance, trust and financial services.

Participate in activities to generate new business including business calls and attending and/or working at special events. Represent the bank at community events and civic organizations. Maintain a working knowledge of all bank products and services.

Qualifications

Education:

• High School or GED, plus specialized schooling and/or on the job education in a specific skill area; e.g. data processing, clerical/administrative. equipment operation, etc.

Experience

12 to 18 months related experience and/or training.

Additional Information

Must provide excellent customer service consistent with Service with HEART standards, both to internal and external customers. Must maintain confidentiality of customers and bank information at all times. Must stay abreast of banking regulations, bank policies and procedures affecting retail operations. Required experience must be in a retail environment.