Personal Banking Representative Salary in the United States
How much does a Personal Banking Representative make in the United States?
As of July 01, 2026, the average salary for a Personal Banking Representative in the United States is $45,799 per year, which breaks down to an hourly rate of $22.
However, a Personal Banking Representative's salary can vary significantly. Here’s a look at the typical salary range:
Top Earners (90th percentile): $51,143
Majority Range (25th-75th percentile): $43,422 to $48,596
Key Factors That Influence Personal Banking Representative Salaries
A Personal Banking Representative's salary isn't a fixed number.
It's shaped by several important factors.
Below, we'll explore how your years of experience, geographic location, education, and company size can directly affect your earning potential.
How Experience Level Affects Personal Banking Representative Salaries?
Experience is a primary driver of a Personal Banking Representative's salary.
As you build your skills and take on more complex tasks, your compensation generally increases.
Here's how the average salary grows at different career stages:
Personal Banking Representative (1-3 years): $45,799
Personal Banking Senior Representative (3-5 years): $55,217
Personal Banking Manager (5+ years): $60,298
Job Role
Years of Experience
Average Salary
Personal Banking Representative
1-3 years
$45,799
Personal Banking Senior Representative
3-5 years
$55,217
Personal Banking Manager
5+ years
$60,298
$45,799Personal ...
$55,217Personal ...
$60,298Personal ...
View as Table
View as Graph
What Am I Worth?
How Do Personal Banking Representative Salaries Vary from State to State?
Your salary can change significantly depending on where you work.
States with a higher cost of living and strong industrial sectors
often pay more to attract Personal Banking Representatives.
For example, consider the average annual salaries in these key locations:
Top Paying Cities for Personal Banking Representatives
Salaries can also vary between different cities.
Major metropolitan areas or cities with a high demand for technicians often offer more competitive pay.
Here are a few examples of average annual salaries in different U.S. cities:
San Jose: $57,766
San Francisco: $57,134
Oakland: $55,930
San Jose, CA$57,766
San Francisco, CA$57,134
Oakland, CA$55,930
New York, NY$52,733
Paramus, NJ$52,091
Queens Village, NY$52,089
Passaic, NJ$52,046
Bergenfield, NJ$52,041
Stamford, CT$51,941
Huntington, NY$51,922
Newark, NJ$51,583
Bridgeport, CT$51,487
Vallejo, CA$51,396
New Brunswick, NJ$51,377
Petaluma, CA$51,350
Middlesex, NJ$51,263
Somerset, NJ$51,231
Santa Cruz, CA$51,171
Boston, MA$50,892
Monterey, CA$50,731
Seattle, WA$50,626
Santa Rosa, CA$50,617
Los Angeles, CA$50,603
Juneau, AK$50,484
Washington, DC$50,434
Orange, CA$50,271
Santa Ana, CA$50,150
Long Beach, CA$50,104
Anaheim, CA$50,095
Anchorage, AK$50,072
Santa Maria, CA$49,935
Everett, WA$49,925
Danbury, CT$49,764
Bremerton, WA$49,701
Tacoma, WA$49,536
New Suffolk, NY$49,535
Sacramento, CA$49,522
Santa Barbara, CA$49,472
Trenton, NJ$49,422
San Diego, CA$49,422
Brockton, MA$49,371
Fairbanks, AK$49,259
Lompoc, CA$49,142
Lowell, MA$49,105
Ventura, CA$49,097
Nashua, NH$49,087
Stockton, CA$49,083
Modesto, CA$48,748
Poughkeepsie, NY$48,648
Olympia, WA$48,561
Kennewick, WA$48,561
New Haven, CT$48,542
Lawrence, MA$48,377
Hartford, CT$48,332
Riverside, CA$48,323
New Bedford, MA$48,277
Richland, WA$48,277
Bakersfield, CA$48,213
San Bernardino, CA$48,194
New Britain, CT$48,190
Atlantic City, NJ$48,190
New London, CT$48,171
Norwich, CT$48,158
Portsmouth, NH$48,148
Boulder, CO$48,051
Portland, OR$47,988
Worcester, MA$47,984
Minneapolis, MN$47,842
Philadelphia, PA$47,778
Honolulu, HI$47,626
Saint Paul, MN$47,604
Vineland, NJ$47,594
Providence, RI$47,462
Chicago, IL$47,329
Bellingham, WA$47,274
Springfield, MA$47,237
Baltimore, MD$47,223
Chico, CA$47,109
Pittsfield, MA$46,985
Manchester, NH$46,898
Spokane, WA$46,697
Denver, CO$46,692
Albany, NY$46,477
Troy, NY$46,459
Nassau, NY$46,410
Schenectady, NY$46,362
Wilmington, DE$46,326
Burlington, VT$46,262
Salem, OR$46,243
Portland, ME$46,101
Yakima, WA$46,055
Rochester, MN$45,913
Reno, NV$45,891
Fresno, CA$45,891
Milwaukee, WI$45,849
Detroit, MI$45,804
Ann Arbor, MI$45,796
Allentown, PA$45,790
Colorado Springs, CO$45,712
Syracuse, NY$45,689
Carson City, NV$45,689
Houston, TX$45,625
Eugene, OR$45,602
Gary, IN$45,547
Springfield, OR$45,510
Bismarck, ND$45,501
Galveston, TX$45,469
Medford, OR$45,401
Fort Collins, CO$45,382
Concord, NH$45,359
Austin, TX$45,346
Mesa, AZ$45,249
Reading, PA$45,245
Phoenix, AZ$45,240
Dallas, TX$45,227
Saint Cloud, MN$45,183
Madison, WI$45,121
Utica, NY$44,998
Rochester, NY$44,924
Des Moines, IA$44,920
Raleigh, NC$44,915
Atlanta, GA$44,846
Battle Creek, MI$44,833
Salt Lake City, UT$44,819
Lancaster, PA$44,750
Harrisburg, PA$44,686
Kansas City, MO$44,640
Champaign, IL$44,631
Kansas City, KS$44,631
Fort Worth, TX$44,627
Columbus, OH$44,619
Boca Raton, FL$44,608
Pittsburgh, PA$44,590
Richmond, VA$44,572
Indianapolis, IN$44,562
Cleveland, OH$44,558
Las Vegas, NV$44,503
Cincinnati, OH$44,503
Petersburg, VA$44,434
Huntsville, AL$44,365
Lansing, MI$44,335
Lebanon, PA$44,329
Pueblo, CO$44,324
Appleton, WI$44,311
Buffalo, NY$44,292
Dayton, OH$44,278
Racine, WI$44,269
Charlotte, NC$44,265
Saint Louis, MO$44,251
York, PA$44,224
Elkhart, IN$44,224
Gastonia, NC$44,215
Billings, MT$44,204
Beaumont, TX$44,191
Lorain, OH$44,182
Benton Harbor, MI$44,173
Toledo, OH$44,164
Binghamton, NY$44,141
Rock Hill, SC$44,136
Rockford, IL$44,114
Springfield, IL$44,095
Elyria, OH$44,091
Fargo, ND$44,091
Flagstaff, AZ$44,059
Fort Lauderdale, FL$44,031
Duluth, MN$44,004
Miami, FL$44,004
Cheyenne, WY$43,972
Grand Forks, ND$43,972
Bangor, ME$43,871
Cedar Rapids, IA$43,820
Durham, NC$43,801
Louisville, KY$43,798
Grand Rapids, MI$43,788
Hialeah, FL$43,784
Casper, WY$43,720
Scranton, PA$43,665
New Orleans, LA$43,651
Virginia Beach, VA$43,646
Akron, OH$43,624
Peoria, IL$43,564
Sarasota, FL$43,555
Nashville, TN$43,523
Omaha, NE$43,523
Green Bay, WI$43,523
Baton Rouge, LA$43,500
Charleston, SC$43,491
Jamestown, NY$43,468
Davenport, IA$43,468
Tucson, AZ$43,445
Saint Petersburg, FL$43,417
Tampa, FL$43,408
Evansville, IN$43,381
Port Arthur, TX$43,381
Bradenton, FL$43,362
Santa Fe, NM$43,280
Orlando, FL$43,198
Clearwater, FL$43,184
Canton, OH$43,088
La Crosse, WI$43,088
Albuquerque, NM$43,060
Newport News, VA$43,056
High Point, NC$43,042
Ogden, UT$43,024
Corpus Christi, TX$42,987
Norfolk, VA$42,959
Laramie, WY$42,959
Rock Island, IL$42,932
Saginaw, MI$42,923
Jacksonville, FL$42,918
Salisbury, NC$42,909
Boise, ID$42,900
Moline, IL$42,877
Fort Myers, FL$42,863
Memphis, TN$42,854
Tulsa, OK$42,831
Waterloo, IA$42,804
Spartanburg, SC$42,758
Lincoln, NE$42,735
Fort Wayne, IN$42,726
Provo, UT$42,721
Cedar Falls, IA$42,666
San Antonio, TX$42,648
Greensboro, NC$42,630
South Bend, IN$42,625
Savannah, GA$42,575
Muskegon, MI$42,556
Birmingham, AL$42,552
Winston Salem, NC$42,529
Lake Charles, LA$42,419
Anderson, IN$42,410
Lexington, KY$42,396
Augusta, GA$42,382
Greenville, SC$42,382
Lima, OH$42,346
Wichita, KS$42,341
Tuscaloosa, AL$42,341
Columbia, SC$42,300
Springfield, OH$42,291
Asheville, NC$42,218
Bloomington, IN$42,185
Knoxville, TN$42,021
Shreveport, LA$42,016
Wilmington, NC$41,956
Roanoke, VA$41,956
Topeka, KS$41,874
Frankfort, KY$41,869
Oklahoma City, OK$41,837
Chillicothe, OH$41,819
Longview, TX$41,814
Melbourne, FL$41,810
Sioux Falls, SD$41,737
Mobile, AL$41,732
Terre Haute, IN$41,714
Altoona, PA$41,686
Amarillo, TX$41,654
Killeen, TX$41,640
Fayetteville, AR$41,604
Chattanooga, TN$41,590
Sioux City, IA$41,549
Idaho Falls, ID$41,540
Lynchburg, VA$41,503
Gainesville, FL$41,444
Portsmouth, OH$41,421
Little Rock, AR$41,411
Lafayette, LA$41,393
Youngstown, OH$41,393
Daytona Beach, FL$41,366
Clarksville, TN$41,361
Pensacola, FL$41,356
Temple, TX$41,353
Hopkinsville, KY$41,219
Erie, PA$41,210
Florence, SC$41,192
Charleston, WV$41,118
Great Falls, MT$41,095
Macon, GA$41,031
Tallahassee, FL$41,027
Fayetteville, NC$41,018
Waco, TX$41,008
Helena, MT$40,976
Pine Bluff, AR$40,959
Vincennes, IN$40,903
Lubbock, TX$40,885
Alamogordo, NM$40,857
Twin Falls, ID$40,816
Rapid City, SD$40,802
Jackson, MS$40,720
Huntington, WV$40,717
Greenville, MS$40,715
Parkersburg, WV$40,669
Montgomery, AL$40,660
Wichita Falls, TX$40,615
Springfield, MO$40,615
Biloxi, MS$40,592
Monroe, LA$40,546
Johnstown, PA$40,514
Sumter, SC$40,495
Columbus, GA$40,491
Pascagoula, MS$40,404
Abilene, TX$40,404
Kingsport, TN$40,285
Albany, GA$40,285
Gulfport, MS$40,271
Alexandria, LA$40,120
Fort Smith, AR$40,005
El Paso, TX$39,882
Las Cruces, NM$39,676
Harlingen, TX$39,559
Pocatello, ID$39,552
Florence, AL$39,492
Brownsville, TX$39,483
Mcallen, TX$39,387
Dothan, AL$39,323
Columbus, MS$39,051
Altus, OK$38,838
Lawton, OK$38,751
Pierre, SD$38,586
What Skills Can Increase a Personal Banking Representative's Salary?
Demanded Skills for the Role:
Customer Service (Mentioned in 14.99% Job Postings): Customer service is the provision of service to customers before, during and after a purchase. The perception of success of such interactions is dependent on employees "who can adjust themselves to the personality of the guest". Customer service concerns the priority an organization assigns to customer service relative to components such as product innovation and pricing. In this sense, an organization that values good customer service may spend more money in training employees than the average organization or may proactively interview customers for feedback. From the point of view of an overall sales process engineering effort, customer service plays an important role in an organization's ability to generate income and revenue. From that perspective, customer service should be included as part of an overall approach to systematic improvement. One good customer service experience can change the entire perception a customer holds towards the organization.
Financial Services (Mentioned in 1.67% Job Postings): A services provided by the finance industry, which encompasses a broad range of businesses that manage money. These services involve banking, brokerage, mortgages, credit cards, payment services, real estate, investment funds, taxes and accounting.
Product Knowledge (Mentioned in 0.99% Job Postings): Product knowledge is the ability to communicate information and answer questions about a product or service. It is considered an important knowledge area for any role that puts you in front of customers, investors or the media.
See More Skills
Skills
Demand Percentage
Customer Service
14.99%
Financial Services
1.67%
Product Knowledge
0.99%
What skills can make your compensation higher?
Mastering certain specialized skills can lead to a significant increase in pay.
Here are examples of skills and the potential impact they can have on a Personal Banking Representative's salary.
Client Relationship: Can increase your salary by up to 15%.
Presentation: Can increase your salary by up to 12%.
CSR: Can increase your salary by up to 10%.
Skill
Salary
Salary % Increase
Client Relationship
$52,669
15%
Presentation
$51,295
12%
CSR
$50,379
10%
Building Relationships
$50,379
10%
Products and Services
$49,463
8%
Microsoft Word
$49,005
7%
Get Latest Data
Personal Banking Representative Salary by Company Size: Startups vs. Enterprise
Personal Banking Representative salary potential scales significantly with company size.
Data shows that Enterprise companies (5,000+ employees) pay the highest average salary at around $48,579.
While startup companies pay approximate $41,257.
Personal Banking Representative Salary by Company Size
Company Size
Employees
Average Salary
Startup
1~50
$41,257
Growth Stage
51~500
$43,594
Established
501~5000
$46,967
Enterprise
5000+
$48,579
Personal Banking Representative Salary by Industry: Top Paying Sectors
For Personal Banking Representative roles, the industry you choose can impact your earning potential
by as much as 20% (the gap between the highest and lowest paying industries).
Data shows that the highest-paying industry, Financial Services,
offers compensation 10% above the average. Conversely,
Personal Banking Representative positions in Edu., Gov't. & Nonprofit typically offer lower base pay,
as this sector often view Personal Banking Representative as a support function rather than a direct revenue driver.
The top paying industry for a Personal Banking Representative
Industry Sector
Average Annual Salary
Average Hourly Rate
Pay vs.Avg
Financial Services
$50,379
$24.0
10%
How Education impacts a Personal Banking Representative's Salary?
Your level of education can impact your salary potential.
While many Personal Banking Representatives enter the field with a High School Diploma or Technical Certificate degree,
higher education can lead to more specialized and higher-paying roles.
According to our 100% employer-reported salary data,
the median salary for a Personal Banking Representative with a High School Diploma or Technical Certificate is between
$42,289
and $45,175).
Personal Banking Representative Salaries by Degree Level
Typical Education for Personal Banking Representative
No Diploma0.5%
High School25.7%
Associates12.2%
Bachelors56.2%
Masters5.2%
Doctorate0.2%
view as table
Degree Level
% of user with this level of education
No Diploma
0.5%
High School
25.7%
Associates
12.2%
Bachelors
56.2%
Masters
5.2%
Doctorate
0.2%
view as graph
Personal Banking Representative Salary: Hourly Rate, Weekly Pay, and Monthly Pay
Understanding how a Personal Banking Representative's annual salary breaks down can help with budgeting.
Below, you can see the average hourly rate, weekly pay, and monthly pay for this role.
Use the buttons to switch between different pay periods.
Hourly
Monthly
Weekly
Yearly
Table View
Last Updated on July 01, 2026
$43,422
Average$45,799/year
$48,596
$3,619
Average$3,817/month
$4,050
$835
Average$881/week
$935
$21
Average$22/hour
$23
Annual Salary
Monthly Pay
Weekly Pay
Hourly Wage
75th Percentile
$48,596
$4,050
$935
$23
Average
$45,799
$3,817
$881
$22
25th Percentile
$43,422
$3,619
$835
$21
Personal Banking Representative Salary Growth & Career Path
Promotions are the fastest way to increase your earnings.
As a Personal Banking Representative, you have the following paths for advancement.
The table below compares the salary raises for common next-step roles.
By comparing these figures, you can choose the career path that best meets your financial goals.
Personal Banking Representative Salary Growth and Career Path
Next Step Role
Estimate Salary
Projected Raise
Universal Banker III
$49,455
8%
Personal Banking Representative, Sr.
$55,217
21%
Salaries of jobs related to Personal Banking Representative
Salaries for a Personal Banking Representative can change over time,
reflecting shifts in market demand and the overall economy.
The median salary decreased from $36,232 in 2023
to around $36,018 in 2025,
reflecting changes in demand, location, experience, and the wider economy.
For a detailed analysis of Personal Banking Representative salary trends,
.
Average Annual Salary of Personal Banking Representative Over Time
2022
$???
2023
$36,232
2024
$36,216
2025
$36,018
2026
$???
2027
$???
Year
Average Annual Salary
2022
View More
2023
$36,232
2024
$36,216
2025
$36,018
2026
View More
2027
View More
Most common benefits for Personal Banking Representative
Social Security
401(k)
Disability
Healthcare
Pension
Time Off (days)
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Common company salaries for Personal Banking Representative
Here are companies hiring for Personal Banking Representative and their salaries, click below for more details.
N
$97,099/per year
New York Police Department
Edu., Gov't. & Nonprofit
the United States
S
$95,962/per year
State of New York - Metropolitan Transportation Authority
Edu., Gov't. & Nonprofit
the United States
U
$94,615/per year
US Department of Transportation
Edu., Gov't. & Nonprofit
the United States
U
$93,141/per year
US General Services Administration
Edu., Gov't. & Nonprofit
the United States
L
$92,342/per year
Los Angeles County
Edu., Gov't. & Nonprofit
the United States
D
$92,011/per year
Department of Justice - Federal Bureau of Prisons
Edu., Gov't. & Nonprofit
the United States
U
$91,967/per year
US Department of Commerce
Edu., Gov't. & Nonprofit
the United States
U
$91,755/per year
US Department of Energy
Edu., Gov't. & Nonprofit
the United States
F
$91,673/per year
Federal Bureau of Investigation
Edu., Gov't. & Nonprofit
the United States
N
$90,276/per year
Naval Sea Systems Command
Edu., Gov't. & Nonprofit
the United States
T
$88,975/per year
The US Immigration and Customs Enforcement
Edu., Gov't. & Nonprofit
the United States
S
$88,721/per year
San Diego County
Edu., Gov't. & Nonprofit
the United States
T
$88,664/per year
The TTB
Edu., Gov't. & Nonprofit
the United States
L
$87,569/per year
Lutheran Services
Edu., Gov't. & Nonprofit
the United States
M
$85,066/per year
Maryland Inc
Edu., Gov't. & Nonprofit
the United States
S
$83,780/per year
State University of New York
Edu., Gov't. & Nonprofit
the United States
N
$82,969/per year
New York State
Edu., Gov't. & Nonprofit
the United States
P
$82,703/per year
Puerto Rico Department of Education
Edu., Gov't. & Nonprofit
the United States
U
$80,526/per year
US Central Command
Edu., Gov't. & Nonprofit
the United States
H
$80,286/per year
Health and Safety Executive Northern Ireland
Edu., Gov't. & Nonprofit
the United States
A
$79,270/per year
Air Force Reserve
Edu., Gov't. & Nonprofit
the United States
A
$78,505/per year
American Automobile Association (AAA)
Edu., Gov't. & Nonprofit
the United States
S
$76,678/per year
State of Florida - Department of Health
Edu., Gov't. & Nonprofit
the United States
N
$75,183/per year
New York State Department
Edu., Gov't. & Nonprofit
the United States
S
$75,106/per year
State University System of Florida
Edu., Gov't. & Nonprofit
the United States
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FAQ about Personal Banking Representative
1. Where can a Personal Banking Representative earn the most?
A Personal Banking Representative's earning potential can vary widely depending on several factors, including location, industry, experience, education, and the specific employer.
According to the latest salary data by Salary.com, a Personal Banking Representative earns the most in San Jose, CA, where the annual salary of a Personal Banking Representative is $57,766.
2. What is the highest pay for Personal Banking Representative?
The highest pay for Personal Banking Representative is $51,143.
3. What is the lowest pay for Personal Banking Representative?
The lowest pay for Personal Banking Representative is $41,258.
4. What are the responsibilities of Personal Banking Representative?
Responsible for providing in-branch services to customers. Identifies customer needs and uses current knowledge of bank products and services to explain, promote, and cross-sell products and services. Processes basic branch service transactions and refers customers to the right resource to facilitate other banking requests. Provides solutions to account issues, answers customer inquiries, and provides education and training on banking self-service technology. Requires a high school diploma or equivalent. Typically reports to a supervisor. Works under moderate supervision. Gaining or has attained full proficiency in a specific area of discipline. Typically requires 1-3 years of related experience.
5. What industry pays the highest salary for Personal Banking Representative?
The Financial Services industry offers the highest average compensation for Personal Banking Representative roles,
with salaries approximately 10% above the market median.
Where Does Our Salary Data Come From?
Salary.com provides salary estimates, histograms, trends, and comparisons using data from employer job postings and third-party sources.
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