Bank representative vs personal banking representative

The differences between bank representatives and personal banking representatives can be seen in a few details. Each job has different responsibilities and duties. Additionally, a bank representative has an average salary of $34,417, which is higher than the $33,833 average annual salary of a personal banking representative.

The top three skills for a bank representative include bank products, customer service and bank policies. The most important skills for a personal banking representative are bank products, profiling, and customer inquiries.

Bank representative vs personal banking representative overview

	Bank Representative	Personal Banking Representative
Yearly salary	$34,417	$33,833
Hourly rate	$16.55	$16.27
Growth rate	-12%	-3%
Number of jobs	105,192	41,795
Job satisfaction	-	5
Most common degree	Bachelor's Degree, 53%	Bachelor's Degree, 62%
Average age	39	41
Years of experience	-	12

What does a bank representative do?

A bank representative works to assist clients, aiming to provide optimal banking services and build positive client relationships. Their duties include greeting and identifying the clients' needs, answering inquiries, giving clear instructions, and discussing banking terms. They also process client requests such as withdrawals, deposits, payments, and even handling applications. Moreover, a bank representative may also conduct market research and analyses, generate leads, and reach out to potential clients through calls and correspondence to offer products and services.

What does a personal banking representative do?

Personal banking representatives typically earn $39K per year. This position requires a high school diploma or GED at a minimum, but employers prefer a bachelor's degree in finance, business, or a related field. They may also ask for experience in customer service, cash-handling, or banking. Personal banking representatives are required to provide bank client support, assist with account management, process checks, and find products and services that will be the best fit for their clients.

Bank representative vs personal banking representative salary

Bank representatives and personal banking representatives have different pay scales, as shown below.

	Bank Representative	Personal Banking Representative
Average salary	$34,417	$33,833
Salary range	Between $28,000 And $41,000	Between $26,000 And $42,000
Highest paying City	Albany, NY	-
Highest paying state	New York	-
Best paying company	Advancial Federal Credit Union	-
Best paying industry	Finance	-

Differences between bank representative and personal banking representative education

There are a few differences between a bank representative and a personal banking representative in terms of educational background:

	Bank Representative	Personal Banking Representative
Most common degree	Bachelor's Degree, 53%	Bachelor's Degree, 62%
Most common major	Business	Business
Most common college	-	-

Bank representative vs personal banking representative demographics

Here are the differences between bank representatives' and personal banking representatives' demographics:

	Bank Representative	Personal Banking Representative
Average age	39	41
Gender ratio	Male, 34.1% Female, 65.9%	Male, 33.4% Female, 66.6%
Race ratio	Black or African American, 9.2% Unknown, 3.4% Hispanic or Latino, 22.4% Asian, 7.3% White, 57.1% American Indian and Alaska Native, 0.6%	Black or African American, 9.7% Unknown, 2.9% Hispanic or Latino, 22.5% Asian, 9.2% White, 54.9% American Indian and Alaska Native, 0.8%
LGBT Percentage	7%	11%

Differences between bank representative and personal banking representative duties and responsibilities

Bank representative example responsibilities.

Used CRM software for KYC purposes, managing and analyzing customer data throughout life cycle.
Open new accounts for existing and/or new clients, including money market savings, CDs, and IRA accounts.
Complete maintenance request including address changes, check orders, stop payments, warnings, account closings and ATM card captures.
Originate and sign internal debit and credit documents.
Complete customer account paperwork for loans, fraudulent activity, unauthorize activity and weekly ATM balancing reports.
Advise patients of insurance/hospital information, prepare admission forms and enter patient data into the patient data accounting system.

Personal banking representative example responsibilities.

Develop and maintain relationships with business partners to increase cross-sell opportunities and achieve sales goals.
Open new bank accounts, order debit and ATM cards for new and existing customers.
Coach associates in cross-selling of products, create work schedules and implement procedures to reduce expenses.
Inform customers of procedures for applying for services such as ATM cards, direct deposit of checks, and certificates of deposit
Maintain customer relationships while continually assessing cross-selling opportunities.
Advise patients of insurance/hospital information, prepare admission forms and enter patient data into the patient data accounting system.

Bank representative vs personal banking representative skills

Common bank representative skills

Bank Products, 12%
Customer Service, 11%
Bank Policies, 9%
Cross-Sell, 6%
Excellent Interpersonal, 5%
Cash Handling, 5%

Common personal banking representative skills

Bank Products, 18%
Profiling, 14%
Customer Inquiries, 11%
Financial Products, 9%
Financial Services, 9%
Customer Issues, 7%

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Bank Representative
Bank Representative vs Personal Banking Representative

Updated January 8, 2025

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