You must be at least 18 years old to work as a bank teller at most banks in the United States
Bank tellers handle cash, process transactions, and access customer accounts. Because of these responsibilities, federal banking regulations and most state laws require tellers to be 18 or older. Some banks may hire 17-year-olds with a high school diploma or GED, but this is rare and depends on the specific bank's policy and your state's labor laws.
A few regional banks and credit unions occasionally hire younger workers for limited teller roles — such as processing deposits only, without access to the full system — but they still typically require you to be at least 16 or 17. Even when banks do hire younger workers, they usually place strict limits on what you can do and how many hours you can work during the school year.
Key Takeaways
- The standard minimum age for a bank teller position is 18 years old across most major banks and credit unions.
- Some banks may hire 17-year-olds if you have a high school diploma or GED, but this varies by institution and state.
- Younger workers (16–17) may find limited teller roles at smaller banks or credit unions, though access to systems and cash handling will be restricted.
- Your state's labor laws set rules about work hours during school, so check your state's requirements before applying.
- Banks conduct background checks and verify your Social Security number, so you will need valid identification and a clean record.
Why banks require tellers to be 18
Banks set the 18-year-old minimum because tellers work with cash, customer financial information, and banking systems. Federal law does not explicitly ban younger workers from these roles, but banking regulations hold institutions liable for errors and fraud. Banks use the 18-year threshold as a legal safeguard — it aligns with the age of majority in most states and reduces their risk.
Additionally, tellers must pass a background check and have a valid Social Security number on file. Banks verify your identity and run criminal history checks before hiring. If you are under 18, you may not yet have the documentation banks require, or your state's labor laws may restrict the hours you can work in a position that requires evening or weekend shifts.
What happens if you are 16 or 17
If you are 16 or 17 and interested in banking work, look for entry-level positions that do not require you to be a full teller. Some banks hire younger workers for roles like file clerk, data entry, or customer service representative — positions that do not involve handling cash or accessing sensitive systems. These jobs let you gain experience in a bank setting and build a resume before you turn 18.
Credit unions sometimes offer more flexibility than large banks. Call your local credit union and ask whether they hire workers under 18 for any position. Be prepared to show proof of age (a driver's license or state ID), your Social Security number, and permission from a parent or guardian if required by your state. Your state's labor department website lists the specific rules for minors working in your area — check it before you apply anywhere.
What you need to bring when you apply
When you turn 18 and apply for a teller job, bring a valid government-issued ID (driver's license, passport, or state ID card) and your Social Security card or a document showing your number. Banks verify your identity before they hire you, so these documents are non-negotiable.
You will also need to complete an I-9 form, which proves you are authorized to work in the United States. If you do not have a Social Security number yet, you can obtain one through your local Social Security office — the process takes about two weeks. Some banks will hold a job offer while you get your number, but do not count on it; get your number before you start applying.
How background checks work for tellers
All banks run a background check before hiring a teller. This check includes a criminal history search, a credit check, and verification of your employment history. The bank will ask you to sign a form authorizing the check — you cannot be hired without your consent.
A criminal record does not automatically disqualify you, but certain convictions (especially those involving theft, fraud, or dishonesty) will. Banks are also cautious about hiring someone with a very poor credit history, since tellers handle money. If you have concerns about your background, ask the bank's hiring manager what their specific policy is before you formally apply.
Typical hours and scheduling for tellers
Bank tellers usually work during banking hours, which are typically 9 a.m. to 5 p.m. on weekdays, with some Saturday hours at many branches. Full-time teller positions are 35 to 40 hours per week. Part-time roles are common and may range from 15 to 25 hours per week, often scheduled around customer traffic patterns.
If you are still in school, ask the bank about part-time or after-school scheduling. Many banks are willing to work around school hours, especially if you are reliable. However, if you are under 18, your state's labor laws may limit how late you can work on school nights or how many hours you can work during the school week — check your state's rules before accepting a job offer.
Pay and benefits for entry-level tellers
Bank teller pay varies by location, bank size, and whether the position is full-time or part-time. Entry-level tellers typically earn between $12 and $16 per hour, though this can be higher in cities with higher costs of living or at larger banks. Some banks offer benefits like health insurance, 401(k) matching, and paid time off, but part-time tellers often do not receive these perks.
Many banks also offer tuition reimbursement or educational programs for employees, which can help if you plan to pursue further education or move into management. Ask about these programs during your interview — they can add real value to an entry-level position.
Frequently Asked Questions
Can I work as a bank teller if I am 17 with a high school diploma?
Some banks will hire 17-year-olds with a diploma or GED, but it is not standard. Call the banks in your area and ask their specific policy. Even if they hire you at 17, your state's labor laws may restrict your work hours during the school year, so check your state's requirements first.
What if I have a criminal record — will a bank hire me?
A criminal record does not automatically disqualify you, but banks are cautious about hiring tellers. Convictions involving theft, fraud, or dishonesty are red flags. Contact the bank's human resources department before you apply and ask what their policy is on criminal history.
Do I need a high school diploma or GED to be a bank teller?
Most banks require a high school diploma or GED as a minimum. Some may hire without one if you have relevant work experience, but this is uncommon. Having your diploma or GED before you apply will make you a stronger candidate.
Can I work part-time as a teller while I am in college?
Yes. Many banks hire part-time tellers and are willing to work around college schedules. Part-time roles typically range from 15 to 25 hours per week. Let the bank know your availability during the interview so they can schedule you accordingly.
How long does the hiring process take for a bank teller?
The hiring process usually takes one to three weeks from your first interview to your start date. This includes the background check, reference verification, and paperwork. Some banks move faster; others take longer depending on how busy they are.