Close the drawer before you leave
A teller opens the morning by counting the notes in the drawer. That count is a float. It is not a deposit, and it does not belong to a member. Daybook keeps it beside the book so the two are not mixed.
Through the day, cash in and cash out are rows. A membership fee, a share purchase, a savings deposit, a repayment, a withdrawal, a disbursement. Each row names the member and the channel. Cash hits the drawer. Bank and mobile money hit their own pots.
At close, count the drawer again. The difference from the morning float should equal cash in minus cash out. If it does not, find the row before anyone goes home. The next morning starts from the count you left, not from a story about what must have happened.
Bank and mobile money are not in that count. They have their own balances. A transfer from the drawer to the bank is a move between pots, and it should be written on the day it happens.