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Stone Cold Steve Tuna

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Posts posted by Stone Cold Steve Tuna

  1. It’s become required that we wear name tags at my work a week or two ago. When I worked at Macy’s I had one as well. I would get bored and tape the Tommy Hilfiger logo over my name and would introduce myself to people as Tommy.

    • Brohoof 1
  2. It depends which job you wind up with. There is a difference between a credit union and a bank. A bank is for profit, owned by share holders. A credit union is not for profit and owned by its members. If you're a teller, you're handling the front line customers or members of your work place. You'll be expected to perform transfers, withdrawals, deposits, negotiate checks and understand check holds. You'll also be required to have an understanding of the Bank Secrecy Act if you're working in the United States. It's... fascinating. 

    Spoiler

    It's not.

    Some financial institutions are more lax about this than others, but at the end of the night you'll likely be expected to count your box and "prove" it. Basically your box will keep track of your transactions throughout the day- deposits, withdrawals, etc. And it will add or subtract funds as needed. You will count all the money in your box and ensure that you have zero variance. 

    You'll also be required to understand check holds, why they exist, and when and where they apply. All institutions have different check hold policies. What I hold for 2 business days you might clear, or what I might clear you hold for two business days.

    If you work at a desk, then your work will be different. You'll be working with fewer customers/members generally speaking throughout the day, but the people you do work with you'll be with for longer. There is no box to prove at the end of the day, but you have other responsibilities. You'll be opening and closing accounts, making debit cards, negotiating loans, etc. In either field you'll probably also be expected to have some sales experience too.

    Of course this all can change or vary depending on the institution you work for. 

    • Brohoof 4
  3. Credit cards are good for establishing credit. The better your credit score, the better your interest rates will be generally speaking. This is helpful when it comes to loans and mortgages. Loans and mortgages themselves can also have an effect on your credit. 
     

    if you can see yourself as responsibly paying your cards or money owed on time, they’re good for you. 

    • Brohoof 3
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