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Teller transaction credit: what it means on your bank statement
A teller transaction credit is an in-person deposit — cash or check handed to a bank employee at a branch. It's the same as counter credit; the label just depends on which bank you use.
Teller transaction credit = an in-person deposit at a bank branch. Cash or check handed to a teller. Cash is available the same day; checks may have a 1–2 business day hold under Regulation CC. It is functionally identical to "counter credit" — different banks just use different labels for the same transaction.
How major US banks label teller deposits
Each bank records teller deposits using its own conventions. Here's what you'll see on the six largest US bank statements:
| Bank | Statement label | Notes |
|---|---|---|
| Bank of America | TELLER TRANSACTION CREDIT | Bank of America uses 'TELLER TRANSACTION CREDIT' for any in-person deposit, whether cash or check. Look for the branch number after the date. |
| Chase | TELLER DEPOSIT / COUNTER CREDIT | Chase shows 'TELLER DEPOSIT' for cash and 'COUNTER CREDIT' for check deposits handed to a teller. Both clear by next business day. |
| Wells Fargo | BRANCH/STORE DEPOSIT | Wells Fargo abbreviates teller deposits as 'BRANCH/STORE DEPOSIT' followed by the branch ID. |
| Citibank | COUNTER CREDIT / TELLER CREDIT | Citi alternates between 'COUNTER CREDIT' and 'TELLER CREDIT' depending on whether you used a deposit slip or a check. |
| U.S. Bank | BRANCH DEPOSIT | U.S. Bank groups teller deposits under 'BRANCH DEPOSIT' regardless of cash or check. |
| PNC | TELLER CASH/CHECK DEPOSIT | PNC explicitly distinguishes 'TELLER CASH DEPOSIT' from 'TELLER CHECK DEPOSIT' on the line item. |
What information gets recorded
When a teller processes your deposit, the bank logs more data than appears on your statement. The line item shows date, amount, and a generic descriptor — but the underlying record contains:
- Branch ID — the specific branch where the deposit was made.
- Teller ID — the employee who processed the transaction (used for internal audit trails).
- Deposit slip number — a sequential identifier you can request a copy of.
- Deposit composition — how much was cash vs. checks vs. money orders.
- Check images — the front and back of every check deposited (kept under federal record-retention rules for at least seven years).
If you need to investigate a specific teller transaction credit — for tax records, legal proceedings, or a deposit dispute — request a copy of the deposit slip from the branch where it was made. Most banks keep these for seven years and can produce them within a few business days.
Holds and clearing times under Regulation CC
Federal Regulation CC governs how long banks can hold deposited funds. The rules vary based on the deposit type and the issuer:
- Cash — available immediately. No hold.
- Government checks (US Treasury, state, payroll) — at least the first $5,525 must be available next business day.
- On-us checks (drawn on the same bank) — usually next business day.
- Local checks (other banks in the same Federal Reserve district) — typically two business days.
- New accounts (open less than 30 days) — banks may extend holds to 5–9 business days.
- Large checks ($5,525+) — banks may apply a hold of up to seven business days on the amount above $5,525.
Free tools for tracking deposits
- Spending analysis — total deposits and withdrawals by month with category breakdown.
- Proof of income checker — confirm regular teller deposits qualify as verifiable income.
- Counter credit guide — sister term, same transaction.
- Bank statement as proof of income — when teller deposits count for loan and rental applications.
- Billing descriptor lookup — decode any other deposit or charge label.
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