How to Become a Personal Banker

Personal Banker Roadmap

Personal Banker Job Description

Personal bankers offer products and services to banking customers, meeting both personal and branch set goals. A huge part of being a personal banker is attracting and maintaining both new and current customer relations. As a personal banker, you spend much of your time with banking software, overseeing client accounts, helping customers over the phone, opening new accounts, assisting clients with their banking needs. At other times, you may perform teller duties as well, and handle deposits and withdrawals, and be responsible for the balance of cash flow, vault count, and ledger sheets depending upon where and whom you work for.

Do you enjoy walking into a bank, and seeing smiling faces, and well dressed people? Aside from wishing you had more money, don't you feel good interacting with the employees of the bank? They dress the part: smart dress, light, genuine smile, clean and well groomed. Just the sight makes lifts your spirits. As a personal banker, you will be required to dress professionally in a clean, well groomed manner, emulating the same feeling for your banking customers.

Education Requirements

In order to become a personal banker, you will need a high school diploma or GED equivalent. However you will benefit greatly if you have taken some college courses, or even better, having a bachelor's degree.

To excel on the path to become a personal banker, some institutions may require you to have taken courses in personal banking or have a certification in Banking and Finance with the American Institute of Banking (AIB) or other post secondary education equivalent to demonstrate proficiency as a personal banker.

Additional Skills Needed

Being comfortable with talking to people and being able to discern what a client is looking for in their financial banking needs is a huge must in being successful as a personal banker. In this way, you may offer products and services accurately, and not selling a service the client may not truly need. Everyone feels better when everyones needs are met in an authentic way; a win win for you both. Sales and services doesn't include selling "snake oil" in this day and age. It's about being a personal banker who personally assists each individual client, with unique financial needs and desires.

When applying for a position as a personal banker, you may consider having an edge over other applicants by having a bachelor's degree, especially if you desire setting your career path as a personal banker and establishing yourself in the banking profession.

Experience Requirements

In order to become a personal banker, you will need a high school diploma or GED equivalent. However you will benefit greatly if you have taken some college courses, or even better, having a bachelor's degree. Many people advance into personal banking from first becoming a bank teller.

Having sales experience is almost always a must as a personal banker. Some banks require one year of sales experience, as well as one or two years experience as a teller or other banking position in order to become a personal banker.

As with other jobs, you will need excellent communication skills, both written and verbal.

After 3-5 years of experience as a personal banker, you may be eligible for promotion into managerial positions like Branch Managers, Assistant Branch Manager Sales, Business Bankers, Loan Officers and Financial Advisors or other career paths and you may consider attaining an MBA or other advanced degree to make you a better candidate.


There are a couple organizations that support your personal banking career. These are:


If you enjoy personal banking, after a period of time in the personal banker role, you may have the opportunity to obtain your FINRA Series 6, 63, and Life Insurance licenses. Plus, many successful personal bankers develop skills to move into roles such as:

  • Branch Managers
  • Assistant Branch Manager Sales
  • Business Bankers
  • Loan Officers
  • Financial Advisors


If you are curious about these other jobs, you may consider looking at how to become a financial advisor and how to become a loan officer. In order to become a manager, you may want to pursue an MBA. There are many types of MBA programs. Likely choices would be accounting or finance.

Personal Banker Jobs

Most personal bankers will work for large banks. However, you may also consider jobs at credit unions. Most of the large banks have job postings directly on their websites. For example, if you are interested in building a career at Chase, there are plenty of Personal Banker Opportunities with JP Morgan. Another example is Personal Banker career options with Wells Fargo. You may also take a look at Personal Banker positions on

Personal Banker Salary

According to the Bureau of Labor Statistics, personal bankers earning range anywhere from $12.76 to $25.72 in 2008. That puts your salary in the range of $24,000 to $48000 per year. Of course, your earnings will be determined by your banking employer, and will vary depending upon what tasks you are expected to perform as a personal banker. You must also consider the benefits package available with the bank you choose to work for. Benefits packages may include health benefits, life insurance, disability insurance, sick leave, paid holidays and a matching 401k retirement plan.

Other Resources for Becoming a Personal Banker

Earnings as a Personal Banker