1. The Incoming Mail Division handles the general distribution of the mail, prepares the morning exchanges for the clearing house, receives and credits remittances, advising immediate credits and proving deferred credits.

2. The Transit Division remits checks by mail for payment, and advises deferred debits and deferred credits.

3. The Redemption and Return Items Division examines and returns unpaid cash items, attends to the afternoon clearing house exchanges, and handles redemptions.

4. The Adjustment Division handles lost items, traces errors, and makes adjustments.