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How Much Cash Should a Server Carry?

Published in Server Cash Management 3 mins read

To ensure smooth service and efficient transactions, a server should typically carry a cash bank ranging from $50 to $100 at the start of their shift. This "bank" primarily consists of small denominations, making it easy to provide change for customers paying with larger bills.

Why a Cash Bank is Essential for Servers

Having an adequate cash bank is crucial for several reasons, directly impacting a server's efficiency and customer satisfaction:

  • Facilitates Change: The primary purpose is to quickly make change for guests, especially those paying with $20, $50, or even $100 bills for smaller tabs.
  • Improves Service Speed: Being able to make change on the spot eliminates the need to ask a manager or fellow server for assistance, speeding up the checkout process.
  • Enhances Professionalism: A well-prepared server who can handle transactions seamlessly appears competent and provides a better overall dining experience.
  • Minimizes Errors: Having your own bank reduces the chances of errors that can occur when relying on a communal till or frequently asking others for change.

Assembling Your Server Bank

The key to a functional server bank is a good mix of small bills. While the exact composition may vary based on the type of establishment and average check size, here's a common breakdown for a $70-$90 bank:

  • $1 Bills: 10-15 bills (e.g., ten $1 bills = $10)
  • $5 Bills: 5-7 bills (e.g., six $5 bills = $30)
  • $10 Bills: 2-3 bills (e.g., three $10 bills = $30)
  • $20 Bills: 0-1 bill (e.g., one $20 bill = $20, if needed for breaking larger notes early)

This ensures you have enough small currency to break down larger denominations effectively without running out of ones and fives.

Best Practices for Managing Your Cash

Maintaining your cash bank effectively throughout a busy shift is key to success:

  • Start Prepared: Always begin your shift with your full, organized cash bank.
  • Keep it Organized: Utilize a server wallet or apron with multiple compartments to keep different denominations separate and easily accessible.
  • Replenish as Needed: As you make change, you'll accumulate larger bills. Periodically "break down" these larger bills by exchanging them for smaller ones from the house bank or a manager, ensuring you maintain your base of small bills.
  • Secure Your Bank: Always keep your cash bank secure in your apron or a designated safe place. Never leave it unattended.
  • Understand Restaurant Policy: Be aware of your establishment's specific policies regarding server cash banks. Some restaurants provide a starting bank, while others expect servers to bring their own.

A well-maintained cash bank is a fundamental tool for any server, contributing significantly to a smooth, efficient, and profitable shift.