Will new accounts clerks be replaced by AI?
Updated
New accounts clerks score 53 of 100 for AI exposure. The largest share of their task time, 52%, is work AI speeds up while they stay in charge. AI can take over 29% outright, and 19% stays with people.
- 29% AI can do it
- 52% AI helps
- 19% Needs a person
High exposure
Higher than 81% of the 923 occupations we scored.
Task by task
We graded 15 tasks, listed here from most to least exposed. AI can do 5 of them today, speeds up 7 and leaves 3 to people.
| Task | AI exposure |
|---|---|
| Compile information about new accounts, enter account information into computers, and file related forms or other documents. Entering and filing account data is highly automatable routine work. | 80% AI can do it |
| Duplicate records for distribution to branch offices. Copying and distributing records is routine digital work. | 78% AI can do it |
| Obtain credit records from reporting agencies. Pulling credit reports is a software request with consent. | 72% AI can do it |
| Process loan applications. Document extraction and checks automate well; underwriter reviews decisions. | 68% AI can do it |
| Inform customers of procedures for applying for services, such as ATM cards, direct deposit of checks, and certificates of deposit. Explaining application steps is routine information AI handles well. | 65% AI can do it |
| Answer customers' questions and explain available services, such as deposit accounts, bonds, and securities. Explaining services is AI friendly, but securities advice needs review. | 60% AI helps |
| Investigate and correct errors upon customers' request, according to customer and bank records. AI can compare records and flag errors; staff approve fixes. | 55% AI helps |
| Refer customers to appropriate bank personnel to meet their financial needs. AI can suggest the right staff member for each need. | 50% AI helps |
| Schedule repairs for locks on safe-deposit boxes. Scheduling is clerical, but vendor calls still need people. | 50% AI helps |
| Collect and record customer deposits and fees and issue receipts, using computers. Cash collection is physical; receipt recording is automatable. | 35% AI helps |
Show the other 5 tasks
| Task | AI exposure |
|---|---|
| Interview customers to obtain information needed for opening accounts or renting safe-deposit boxes. Live interviews need a person, though AI can prefill forms. | 35% AI helps |
| Execute wire transfers of funds. Systems execute transfers, but authorization and fraud checks stay human. | 35% AI helps |
| Perform foreign currency transactions and sell traveler's checks. Physical currency handling and in person exchange dominate this task. | 22% Needs a person |
| Perform teller duties as required. Physical cash handling at the window needs a person. | 15% Needs a person |
| Issue initial and replacement safe-deposit keys to customers, and admit customers to vaults. Handing keys and admitting people to vaults needs physical presence. | 5% Needs a person |
How new accounts clerks compare
All occupations (923)
Office and administrative support (51)
Pay and outlook in the US
- Median pay
- $47,670 a year, May 2025
- People employed
- 36,860 in the US, May 2025
- Projected change in jobs
- -6.5% from 2024 to 2034
Skills to build
- Conduct in person account interviews at the branch desk
- Check applications for errors in Microsoft Dynamics GP
- Explain deposit account and CD services to walk-in customers
- Handle teller cash collection and issue receipts
- Verify wire transfer authorizations and fraud checks
- Manage safe-deposit key issue and vault admission logs
Safer roles nearby
A related occupation with a lower score.
Questions about new accounts clerks and AI
Will AI replace new accounts clerks?
Partly. About 5 in 10 working hours go to tasks AI can already do, mostly entering account data and filing forms, plus duplicating records for branch offices. What stays with people is the live interview, cash at the teller window, and handing over safe-deposit keys.
Which new accounts clerk tasks will AI take over?
Entering account information and filing related forms leads, with an exposure score of 80, because it is routine digital work. Duplicating records for branch offices scores 78 for the same reason. Pulling credit reports scores 72, since it becomes a software request once the customer consents.
Which new accounts clerk tasks stay human?
Issuing safe-deposit keys and admitting customers to vaults stays human, with an exposure score of 5, because it needs physical presence. Teller duties score 15, since cash handling at the window needs a person. Foreign currency exchange scores 22 for the same reason.
How can new accounts clerks stay valuable as AI takes on more of the job?
Move toward the tasks AI handles least. Run the live customer interview yourself, then use Microsoft Excel to check the prefilled data before filing. Learn Microsoft Dynamics GP well enough to catch errors that automated entry leaves behind, and keep the cash and wire steps with you.
Related jobs
Next steps for new accounts clerks
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