Which bank has the best retail branch counter services?

gt94sss2

KTF wrote:

I always use the fancy ATMs (which seem to be unique to Nationwide) that Nationwide have in branch to pay in money/cheques and then do all the day to day stuff using their online banking so I have no need to go to the counter at all these days.

Quite a few banks have their own versions of these - I have seen them at branches of HSBC and Halifax among others.

Regards
Sunil

Gordon_the_Moron

Most banks have them at some branches at least, my local Natwest has one, a bit stupid really, 2 cash machines inside and 2 outside, the only one that allows deposits is inside so only available during opening hours.

Nationwide has more fancy features than most transferring between accounts and such, some just allow deposits. There's even a deposit machine (can't remember which bank its from) at our nearest Asda. If I worked at Asda I'd have an account with them just for that so I could drop cash in and BACS it.

regularsaver1

Moggles wrote:

Granted. On the other hand, some cashiers seem determined to engage each of their customers in a lengthy conversation (I sometimes wonder whether it's written into their contracts), seemingly oblivious to the growing queue of disgruntled customers who wait to be served.

I bank with the Halifax, but visit other banks from time to time on behalf of family members so I'm not singling out any particular institution. Banks seem to me to be obsessed with sales targets these days and this is one reason why counter service has deteriorated.

I vouch for what you say -

when I was a cashier - it was make sure you balance but get fair share of leads too!!!! as well as the must say 5 things to customer about their wait, use their name, ask if there was anything else we could do ect - (these tyhings are what are looked for on a mystery shop)

I know cashiers that have said they are trying to concentrate, so they balance, yet they are told they must get leads - so in order to do that must talk!

I think that cashiers have a much harder job than a lot of roles in the bank, yet they are paid the least and are lower down on scale. not fair really

regularsaver1

so Gordon the Moron - natwest do not give cashiers targets for leads?

I might mention this to cahsiers at my branch!

kenshaz

Leads and targets,only went in to pay a cheque into my Halifax high interest current account it needs to be fed with a £1000 each month,ended up with a financial review,trying to sell me an underperforming trust,with loads of bias.The people I feel sorry for are the ordinary punters who has no access to this site.Why does the cashier have to create a lead ,why not just talk because the customer has an interesting personality,we are real and deserve eye contact and genuine responses,without being marketing objects

Gordon_the_Moron

regularsaver1 wrote:

so Gordon the Moron - natwest do not give cashiers targets for leads?

I might mention this to cahsiers at my branch!

I didn't say that, but if you go in and pay in £10 to a current account or a small credit card bill you may well not get asked about other services, also if someone says no to something it only takes seconds longer, if they need a financial review then they still aren't with the cashier that much longer as they end up in a back room with someone trying to sell them services. I think their job IS harder than that of a cashier, I would really struggle trying to persuade a customer to take an advantage current account or some other bank services knowing what garbage deals they are. Just saying something like have you looked at Advantage Gold isn't actually selling it to the customer. If you think trying to sell things to customers is all bad, I will point out I had a customer the other day (who had never had a credit card and said she never wanted one as they were the worst type of debts) say to me that 0% offers on credit cards were a scam as they ended up paying more in interest than they saved with the 0% offer, I explained to them how to use the offers to their advantage by stoozing and tarting... she went away with a credit card. I've sold the product to the customer, does it matter to me if they use it like you, I and most of the other visitors to this site do?

At the end of the day my advice to anyone is, don't take any service from your bank without checking firstly that you can't get the same better or cheaper from another bank or building society and secondly if it is something they charge for like a fee on a current account is it worth it.

M_Thomson

kenshaz wrote:

Why does the cashier have to create a lead ,

Because they have too! They are told they must do that by the company they work for.

BASFORDLAD

Anyone got any experiane of Clysdale Bank

regularsaver1

I had to get at least 10 leads a day when I was a cashier, of a mixed variety.

at the end of the day - if you work in a bank, it is a sales job. if you don't like sales, it isn't the job for you. cashiers have to do leads to keep their job, as well as balance. Sounds like you would not enjoy selling Gordon?

as a cashier, you don't say much about the product anyway

But with sales - it is about seeling to a need. and doing business the right way - responsibly

ie with my mortgages I have to do a reasonability calculation for their job role and income ect

Gordon_the_Moron

I don't mind selling things, it just annoys me recommending products that are so pathetically uncompetitive, I still do it though, its my job.

Selling someone who wouldn't even have an overdraft on her account because she didn't want to go into spiralling debt a 0% credit card after explaining how to stooze and providing a direct debit form to avoid late payment fees was quite funny the other day though.