Will AI replace tellers?

Parts of the job are being automated. About 4h 14m of an 8-hour shift goes to tasks that AI or robots already do largely on their own. The rest still needs a person. The breakdown: 7m done by people with AI help, 4h 14m that robots have done in real workplaces. The other 3h 38m (46%) stays with people. Separately, BLS expects about 13.2% fewer of these jobs by 2035 (all jobs: +3.5%).

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Time card for tellers showing a typical 8-hour shift: 3h 38m done by people, 7m done by people with AI, 4h 14m by robots.
Each mark is 5 minutes of a typical shift for tellers, colored by who does that task today. Estimates from O*NET tasks and Anthropic Economic Index data. How it's made

Receive and pay out money. Keep records of money and negotiable instruments involved in a financial institution's various transactions.

Time card

Untick tasks you don't do, or set your own times.
MineTask, by time spentHumanWith AIAIRobot
Receive checks and cash for deposit, verify amounts, and check accuracy of deposit slips.1h 13m a shift · Robots deployed · e.g. Envelope-free deposit-automation ATMs (Peoples Exchange Bank ATM fleet)
Cash checks and pay out money after verifying that signatures are correct, that written and numerical amounts agree, and that accounts have sufficient funds.1h 5m a shift · Robots deployed · e.g. AmeriCU Credit Union Interactive Teller Machines (ITMs)
Balance currency, coin, and checks in cash drawers at ends of shifts and calculate daily transactions, using computers, calculators, or adding machines.36m a shift · Robots deployed · e.g. Teller cash recyclers at Cooperative Center Federal Credit Union, Berkeley CA
Enter customers' transactions into computers to record transactions and issue computer-generated receipts.36m a shift · No AI or robot evidence found
Count currency, coins, and checks received, by hand or using currency-counting machine, to prepare them for deposit or shipment to branch banks or the Federal Reserve Bank.29m a shift · Robots deployed · e.g. Teller Cash Recycler (branch deployments)
Resolve problems or discrepancies concerning customers' accounts.29m a shift · No AI or robot evidence found
Answer telephones and assist customers with their questions.29m a shift · No AI or robot evidence found
Examine checks for endorsements and to verify other information, such as dates, bank names, identification of the persons receiving payments, and the legality of the documents.22m a shift · No AI or robot evidence found
Process transactions, such as term deposits, retirement savings plan contributions, automated teller transactions, night deposits, and mail deposits.22m a shift · Robots deployed · e.g. NCR SelfServ ATM with Scalable Deposit Module (SDM) / deposit automation
Explain, promote, or sell products or services, such as travelers' checks, savings bonds, money orders, and cashier's checks, using computerized information about customers to tailor recommendations.22m a shift · No AI or robot evidence found
Carry out special services for customers, such as ordering bank cards and checks.15m a shift · No AI or robot evidence found
Obtain and process information required for the provision of services, such as opening accounts, savings plans, and purchasing bonds.15m a shift · No AI or robot evidence found
Monitor bank vaults to ensure cash balances are correct.7m a shift · Robots only in factory cells
Prepare and verify cashier's checks.7m a shift · Robots deployed · e.g. Image-deposit ATMs with inline check scanning (Digital Check Clear Inline)
Identify transaction mistakes when debits and credits do not balance.7m a shift · No AI or robot evidence found
Sort and file deposit slips and checks.7m a shift · Robots only in factory cells
Receive and count daily inventories of cash, drafts, and travelers' checks.7m a shift · Robots deployed · e.g. Teller cash recyclers deployed on bank/credit union teller lines
Order a supply of cash to meet daily needs.7m a shift · No AI or robot evidence found
Arrange monies received in cash boxes and coin dispensers according to denomination.7m a shift · Robots deployed · e.g. Glory Vertera / RBG teller cash recyclers
Receive mortgage, loan, or public utility bill payments, verifying payment dates and amounts due.7m a shift · Robots deployed · e.g. Chase deposit-automation ATM (bill payment / pay with cash function)
Count, verify, and post armored car deposits.7m a shift · Robots only in factory cells
Perform clerical tasks, such as typing, filing, and microfilm photography.7m a shift · Observed in AI use
Compute financial fees, interest, and service charges.7m a shift · No AI or robot evidence found
Process and maintain records of customer loans.7m a shift · No AI or robot evidence found
Compose, type, and mail customer statements and other correspondence related to issues such as discrepancies and outstanding unpaid items.time not estimated · No AI or robot evidence found
Quote unit exchange rates, following daily international rate sheets or computer displays.time not estimated · No AI or robot evidence found
Issue checks to bond owners in settlement of transactions.time not estimated · Robots deployed · e.g. Capital One Cashier's Check Kiosk (CCK)
Inform customers about foreign currency regulations and compute transaction fees for currency exchanges.time not estimated · No AI or robot evidence found

On the floor

  1. Rolling outWells Fargo
    Wells Fargo branch goes from three tellers to one as AI app expands

    A teller at Wells Fargo's Artesia, NM branch said it once always had three tellers and now has one at the front, with customers directed to the Fargo virtual assistant. CEO Charlie Scharf said he expected job cuts in 2026 as the bank rolls out AI.

    KUNM

Straight answers

Will AI replace tellers?

Parts of the job are being automated. About 4h 14m of an 8-hour shift goes to tasks that AI or robots already do largely on their own. The rest still needs a person. The breakdown: 7m done by people with AI help, 4h 14m that robots have done in real workplaces. The other 3h 38m (46%) stays with people. Separately, BLS expects about 13.2% fewer of these jobs by 2035 (all jobs: +3.5%).

What parts of the job can AI already do?

AI shows up regularly in 1 of 28 tasks, about 7m of a typical shift. The biggest ones:

  • Perform clerical tasks, such as typing, filing, and microfilm photography. (7m a shift, people use AI to help)
Can a robot do this job?

For some tasks, yes. Robots have done 9 of this job's tasks in workplaces like this one, about 4h 14m of a typical shift. 4 more tasks have only been done in factory setups built around the machine, so they stay with people here.

  • Receive checks and cash for deposit, verify amounts, and check accuracy of deposit slips. (1h 13m a shift; e.g. Envelope-free deposit-automation ATMs (Peoples Exchange Bank ATM fleet), in use)
  • Cash checks and pay out money after verifying that signatures are correct, that written and numerical amounts agree, and that accounts have sufficient funds. (1h 5m a shift; e.g. AmeriCU Credit Union Interactive Teller Machines (ITMs), in use)
  • Balance currency, coin, and checks in cash drawers at ends of shifts and calculate daily transactions, using computers, calculators, or adding machines. (36m a shift; e.g. Teller cash recyclers at Cooperative Center Federal Credit Union, Berkeley CA, in use)
  • Count currency, coins, and checks received, by hand or using currency-counting machine, to prepare them for deposit or shipment to branch banks or the Federal Reserve Bank. (29m a shift; e.g. Teller Cash Recycler (branch deployments), in use)
What parts of the job are still done by people?

3h 38m of a typical shift, or 46%, goes to tasks with no AI or robot evidence yet. The biggest:

  • Enter customers' transactions into computers to record transactions and issue computer-generated receipts. (36m a shift)
  • Resolve problems or discrepancies concerning customers' accounts. (29m a shift)
  • Answer telephones and assist customers with their questions. (29m a shift)
  • Examine checks for endorsements and to verify other information, such as dates, bank names, identification of the persons receiving payments, and the legality of the documents. (22m a shift)
  • Explain, promote, or sell products or services, such as travelers' checks, savings bonds, money orders, and cashier's checks, using computerized information about customers to tailor recommendations. (22m a shift)
What are companies actually doing?

We track 1 sourced company move that affects this job. Most recent:

  • Feb 4, 2026: Wells Fargo branch goes from three tellers to one as AI app expands (Rolling out)
How much do tellers make?

The median pay is about $43,030 a year ($20.69 an hour), 16% below the median for all U.S. jobs ($50,980). Source: BLS, May 2025.

Is this job growing or shrinking?

BLS projects a decline of 13.2% from 2025 to 2035, compared with 3.5% growth for all jobs. That's about 295,000 jobs in 2035. Even so, it expects about 27,000 openings a year, mostly from people retiring or changing careers. These projections don't single out AI as a cause.

How many people do this job?

About 329,000 people in the U.S., roughly 0.21% of all workers (BLS, May 2025).

What do you need to become one?

High school diploma, some training. O*NET rates this job at level 2 of 5 for preparation.

What should I learn to stay ahead?

Based on official skill ratings and the tasks that stay with people:

  • Skills that matter more here than in most jobs: Mathematics, Service Orientation, Social Perceptiveness, Active Listening
  • Get strong at the parts of the job that stay with people (listed above), which take 3h 38m of a typical shift
  • Tools employers list: Microsoft Office software, Microsoft Excel, Microsoft Outlook, Microsoft PowerPoint, Microsoft Windows
  • Learn to use AI well on the tasks where it already shows up in this job (listed above)
What similar jobs could I move into?

These use similar skills, with less of a typical shift touched by AI or robots:

  • New Accounts Clerks (2h 19m touched, $48k median pay)
  • Credit Authorizers, Checkers, and Clerks (1h 22m touched, $50k median pay)
  • Bookkeeping, Accounting, and Auditing Clerks (1h 58m touched, $51k median pay)
How solid are these numbers?

Each task carries its own evidence label. For this job: 1 observed in real AI use, 10 with robots in real deployments, 17 with no AI or robot evidence found. The minutes per task are estimates, not measured hours, and "no evidence" doesn't prove a task is safe.

Tools in demand

  • Microsoft Office software
  • Microsoft Excel
  • Microsoft Outlook
  • Microsoft PowerPoint
  • Microsoft Windows
  • Microsoft Word

Also called

Account Representative, Bank Representative, Bank Teller, Banker, Bilingual Spanish Teller, Bilingual Teller, Branch Operations Specialist, Branch Teller, Cash Management Services Teller, Cashier, Collection Teller, Commercial Teller, Coupon Clerk, Customer Relationship Specialist