Bank Staff Instructions

INCLUDED IN THIS PACKET

• 1 Staff Name Tag
• 1 Dry Erase Marker
• 1 Pen/Pencil
• 1 Receipt Book
• $5,000 Cash
• “CLOSED” Sign
• “EBT” Sign

• Staff Instructions
• Bank Transaction Form

This simulation is broken up into four 15-minute “weeks” representing one month in the life of a refugee family.

TASKS

You have five major tasks:

1. Collect Transportation Passes (1 per family) when they arrive at your table.
2. Cash Checks
3. Collect loan payments for those with loans listed on the Record of Payments list.
4. Accept Savings Account Deposits or Withdrawals
5. Carry out Luck of the Draw Cards

Morality Alignment

TRUE NEUTRAL = Money-Oriented, but still honest people. Will not try to take advantage of people, but not inclined to be charitable either.

RESPONSIBILITIES

1. TRANSPORTATION PASSES
   1. Collect 1 pass per family per visit. Those without transportation passes should be turned away.
2. GUARD YOUR MONEY
1. You could be robbed at any time. Call the police if you have any trouble and close for 5 minutes to balance your money.
2. If you run out of money, a floater can go around for you to other businesses to collect some.
3. CASHING CHECKS
   1. If a family comes to you with a paycheck to cash, ask them if they have a bank account. If they say “no”, tell them “Sorry, the bank cannot cash your check. You can try Quik Cash.”
   2. If someone comes to you with a paycheck to cash, but they owe you money on a loan, take as much of their paycheck as possible to pay yourself back. Give them any remaining money.
4. REDEEM TANF CASH BENEFITS
   1. Families may wish to get cash for their TANF (Temporary Assistance for Needy Families) cash benefits, which are states on their EBT cards.
   2. These funds can be cashed out or used for loan payments or deposited into a savings account.
   3. Check their ID to make sure the name is the same on the EBT card.
   4. Ensure they have a balance left on their TANF benefits, charge a $5 fee, and cash out their benefits.
   5. On the back of the EBT card, make sure to subtract the amount of money you can the person including the fee in the TANF section.
   6. Record the transaction in the Brank Transaction form.
5. COLLECTING PAYMENTS
   1. If someone comes to cash a check but owes money to the Bank, take as much as possible out of their check to pay yourself back.
   2. Record any payments made on the Bank Transactions form on your webpage.
   3. If the person does not pay in full, ask them when they plan to pay the rest.
6. SAVINGS ACCOUNTS
   1. Only two families (B – Afridi, and G – Yassin).
   2. If they bring in their bank statement to make a deposit or withdrawal, mark the new balance on their bank statement.
   3. Keep track of this on the Bank Transaction sheet.
7. LUCK OF THE DRAW CARDS
   1. If a person comes to you with a luck of the draw card, follow the card directions and then keep the card.
   2. Keep track of this on the Bank Transaction sheet.

REMINDERS:

• If someone has RED on their nametag, you may NOT speak English to them unless they have a translator present. YOU MAY MIME/GESTURE AS MUCH AS YOU LIKE (and so can they!)
• If someone has YELLOW on their nametag, you may only speak TEN words in English to them throughout your interaction unless they have a translator present. YOU MAY MIME/GESTURE AS MUCH AS YOU LIKE (and so can they!)

TL;DR:

Cash checks, give cash to TANF beneficiaries, take loan payments, take and reject loan applications, do withdrawals and deposits. Don’t forget to guard the money – you could be robbed at any time! If you are robbed – call the police and immediately close the bank for 5 minutes so nobody can use your services while you balance the accounts. Don’t cheat people out of their money – this is a reputable bank after all!