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In  addition to establishing pricing mechanisms , banks also devote attention to the actual structuring of each loan as regards the time frame for payment. The purpose of the loan influences that the time frame. A loan made to a manufacturers so that he can buy raw material to meet a seasonal need usually is a short-term loan, generally unsecured; a loan made to a corporation so that it can make a major addition to its factory is a longer term credit. Wherever possible, the bank seeks a definite schedule of amortization; that is, of reduction of the principal through periodic payments. Installment loans have always been made on this basis, but the concept also can be applied to other credits. A schedule of amortization prevents as commercial loan from staying on the bank’s books indefinitely, and also contributes to liquidity for the bank.

Some loans are structured on the basis of a so-called balloon payment. In such cases the borrower makes a specified number of smaller, regular reductions to the loan’s principal and then makes a large final payment.

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When a bank negotiates with a customer regarding the level of balances in an account as compensation for credit or services, and when a bank calculates its own daily funds position, the bank always must identify the amount of float. Uncollected funds have no value to the bank because they cannot be put to profitable use in loans and investments. Similarly, they have no value to the customers, who usually are not allowed to draw against them. For these reasons, successful check processing and collection systems are designed to meet two basic objectives.

They must ensure that all deposited or cashed checks will be presented to drawees with speed accuracy. Every drawee must then decide whether to honor the checks sent to it, and must return any unpaid items within strict time limits.

They must reduce the daily amount of uncollected funds in the banking system, so that both the banks of deposit and their customers can have available working capital.

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In the annual crime statistics published by the Federal Bureau of Investigation, one of the most distressing figures shows regular increases in the number of bank holdups. Every banking office is a source of temptation to the would-be robber. During holdups, individual displays of heroism by tellers are not expected and should not be contemplated or encourage. Bank robbers are always unpredictable, often irrational, and frequently desperate.

Most banks are required by law to equip their premises with cameras and burglar alarms. Nevertheless, in a robbery attempt the teller is always the first line of defense, and no type of security system can be more effective than the actions he or she takes during a holdup. For example, during attempt, tellers should make every effort to remain calm and take note of the robber’s height and weight, scars, and any other identifying features. Tellers can activate silent alarms by using a foot pedal or device in the cash drawer. Anything given to the teller, such as a holdup note, should be kept so that fingerprints or other identifying evidence can be checked.

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