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After the customer has set up an account, they can either deposit or withdraw money from their account depending on their individual requirements. These transactions are carried out at the counter of the bank branch. The person at the counter is usually referred to as a teller. The teller is authorized to accept and payout cash, issue bank checks, accept bill payments (e.g. electricity, gas, water, telephone), conduct foreign exchange, arrange money transfers between accounts and accept credit card payments.

　　在客戶開立賬戶以后，他們可以在賬戶上隨意存款和取款。這些業(yè)務在銀行網點的柜臺上進行。柜臺工作人員通常被稱為出納。出納有權接受和支付現金、簽發(fā)銀行支票、接受賬單支付(比如水、電、煤氣、電話等)，進行外匯交易、在賬戶間轉賬并接受信用卡付款。