If a runner presents a deposit but fails to show adequate authorization, what should the teller do?

In situations where a runner presents a deposit without proper authorization, the appropriate course of action is to politely refuse the request. Authorization is crucial in financial transactions to ensure that no unauthorized access to an individual's account occurs. By declining the request, the teller helps protect the account holder’s funds and upholds the bank's policies regarding account security.

When someone other than the account holder attempts to make a deposit, it is essential to verify that they have explicit permission to do so. Accepting a deposit without proper authorization can lead to issues such as fraud, disputes over ownership of funds, and potential legal ramifications for both the bank and the individuals involved.

While it might seem practical to ask the runner to call the account holder for authorization, this approach might not guarantee that the authorization is legitimate or that the bank's policies are fully followed. Hence, directly refusing the transaction is the safest and most compliant action a teller can take. This preserves the integrity of the transaction process and protects the bank and the account holder alike.