Take a savings deposit or withdrawal at the counter

Cashier & Teller Updated 14 Aug 2026 Version 1

Summary

Serve a member paying money in or taking money out of their savings account, from the teller screen.

About 3 minutes · 7 steps. Also called: counter deposit, cash withdrawal, client transaction, over the counter.

Prerequisites

  • Your till Open for the day. See Open your till, top it up, and close it.
  • The member in front of you, with their identity checked.

Step-by-step

  1. Sign in to CAMS.

  2. In the left menu, expand Transactions and click Teller. Check the header shows the till as Open before you post anything.

  3. On the New Transaction tab, click Client Transaction.

    The Choose Category cards on the New Transaction tab: Client Transaction, General Ledger, Till Administration and Bulk Transaction
    Figure 1: The Choose Category cards on the New Transaction tab: Client Transaction, General Ledger, Till Administration and Bulk Transaction

  4. Choose the type: Savings Deposit for money coming in, Savings Withdrawal for money going out.

  5. Search for the member and select their savings account. Read the member name and account number back to yourself before you go on — a posting to the wrong account is corrected afterwards, not undone.

  6. Enter the Amount and any reference or narration your Sacco asks for. Count the cash while you are on this screen, not after you submit.

  7. Submit, then open the History tab and check the transaction shows the amount you expected.

Note: Use Client Transaction for anything belonging to a member. General Ledger is for the Sacco's own money. A member's deposit posted through General Ledger lands in the Sacco's books, not the member's balance.

Common pitfalls & FAQ

  • My posting is not in History. It may be waiting for approval. Open the Requests tab — see Approve or reject a teller transaction request.
  • I picked the wrong account. Do not post a second transaction to cancel it. See Correct a transaction you posted in error.
  • The amount is more than the member has. A withdrawal cannot take a savings account below what the product allows. Check the balance first.
  • Nothing happens when I submit. The till must be Open, and the branch must be open too. Both show in the page header.
  • Which type is a loan payment? Neither of these. A repayment is its own type under Client Transaction.

Back to course: CAMS for Tellers