CBT - Certified Bank Teller Cash Handling and Transactions Questions and Answers

Question 1

A customer makes a cash deposit of $6,000 in the morning and returns in the afternoon to deposit another $5,000 in cash.
According to the Bank Secrecy Act (BSA), which of the following actions must the teller take?

Accepted Answer

File a Currency Transaction Report (CTR) because the total cash amount for the day exceeds $10,000.

Answer

File a Suspicious Activity Report (SAR) because the transactions are structured to avoid reporting.

Answer

Inform the customer they cannot make the second deposit until the next business day.

Answer

Process the second transaction as usual with no special reporting required.

Question 2

When verifying the authenticity of a U.S. $20 bill, which security feature should a teller look for when holding the note up to a light source?

Accepted Answer

A faint watermark of Andrew Jackson's portrait.

Answer

A color-shifting numeral '20' in the bottom right corner.

Answer

A 3D security ribbon woven into the paper.

Answer

Red and blue fibers embedded throughout the paper.

Question 3

A customer presents a large, complex deposit with multiple checks and large amounts of cash right before closing time. The teller feels rushed and is unable to verify every item immediately. What is the most appropriate immediate action for the teller to take?

Accepted Answer

Politely inform the customer of the need for proper verification and follow the bank's dual-control or end-of-day deposit procedures.

Answer

Ask the customer to come back the next day when there is more time.

Answer

Accept the deposit but inform the customer that verification will occur later, and any discrepancies will be adjusted.

Answer

Refuse the deposit because it cannot be fully verified before closing.

Question 4

Which of the following is a primary principle of cash drawer management for a bank teller?

Accepted Answer

Maintaining sole responsibility for their assigned cash drawer and keeping it locked when away.

Answer

Keeping a high volume of cash on hand to handle any potential transaction.

Answer

Sharing a cash drawer with another teller during busy periods for efficiency.

Answer

Balancing the drawer only at the end of the week to save time.

Question 5

A teller is processing a withdrawal for a customer and counts out the money. What is the best practice for disbursing the cash to the customer to prevent disputes?

Accepted Answer

Count the bills a second time, out loud, in full view of the customer before handing them over.

Answer

Hand the stack of bills directly to the customer after counting it once.

Answer

Place the money on the counter and have the customer count it themselves.

Answer

Slide the money through the window slot immediately after the first count to speed up the transaction.

Question 6

During a transaction, a teller receives a bill that feels unusual and lacks the distinctive texture of genuine currency. What is the recommended first step?

Accepted Answer

Politely delay the transaction and discreetly follow the bank's protocol for suspected counterfeit currency, which typically involves notifying a supervisor.

Answer

Immediately confiscate the bill and detain the customer for questioning.

Answer

Return the bill to the customer and ask for a different one.

Answer

Quietly complete the transaction and report the customer to security afterward.

A customer makes a cash deposit of $6,000 in the morning and returns in the afternoon to deposit another $5,000 in cash.According to the Bank Secrecy Act (BSA), which of the following actions must the teller take?

A customer makes a cash deposit of $6,000 in the morning and returns in the afternoon to deposit another $5,000 in cash.
According to the Bank Secrecy Act (BSA), which of the following actions must the teller take?