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CAKE | Restaurant Management System & POS

How Server Banking Works

Learn how to use server banking.

If you’re a new restaurant operator or you're thinking about using server banking, we’ve got some tips for you to help you make the right decision.

This is a great choice for restaurants that have a POS system and offer table side service. It essentially allows each server to maintain his or her own personal cash drawer without having to have a traditional cash drawer like a bartender would have. This can help cut down on shrinkage or loss.

Example: When an employee carrying a bank with 1 $10 bill, 1 $5 bill, and 5 $1 bills ($20 total) is given $40 from the customer for a $33 total on the customer’s order, the employee may reach into his “bank” to return $7, without having to visit the cash drawer. This limits the number of individuals that will need access to a cash drawer. 

The best practices for this are: 

  • Require that each server bring their own “Bank”, typically $20-$40 is the industry standard.
  • This is simply so that they can make change during their shift if necessary. This is not a part of their tip money and at the end of the shift they will still have this bank or “money to make change."
  • In the POS, all orders and closed transactions that a server inputs are tracked under their name.
  • At the end of their shift, a report is printed and tells the server whether they are owed money for tips or if they owe money to the restaurant based on this report.


CC tips accrued:                        $100

Cash transactions collected:   $60

Total due to the Server:            $40


CC tips accrued:                          $100

Cash transactions collected:     $150

Total due to the Server:            - $50 (A negative amount means they owe the restaurant $50)

Note: The system accounts for the fact that the server has collected cash for cash sale transactions. Since that money is already included in the server's total transactions for the shift the difference is what is due.