Vulnerable
Last Update: 6/19/2026
AI Resilience Score for New Accounts Clerks:
11.9%
Median Score
Meaningful human contribution
Measures the parts of the occupation that still require a human touch. This score averages data from up to four AI exposure datasets, focusing on the role’s resilience against automation.
Low
Long-term employer demand
Predicts the health of the job market for this role through 2034. Using Bureau of Labor Statistics data, it balances projected annual job openings (60%) with overall employment growth (40%).
Low
Sustained economic opportunity
Measures future earning potential and career flexibility. This score is a blend of total projected labor income (67%) and the role’s inherent ability to adapt to economic and technological shifts (33%).
Low
This reflects the reliability of your score based on the number of data sources available for this career and how closely those sources agree on the outlook. A higher confidence means more consistent evidence from labor experts and AI models.
This result is backed by strong agreement across multiple data sources.
Contributing sources
AI Resilience Report forNew Accounts Clerks
$46,610 median salary•2,300 annual openings•SOC Code: 43-4141.00
New Accounts Clerks are much less resilient to AI impacts than most occupations, according to our analysis of 5 sources.
New Accounts Clerks are labeled "Vulnerable" because the most routine parts of the job, like processing account applications, verifying information, and walking customers through standard forms, are exactly the kinds of repetitive, rule-based tasks that AI handles very well. Already, 50% of consumer checking accounts are being opened digitally, and banks are rolling out AI tools to automate the onboarding process that clerks once managed manually.
Learn more about how you can thrive in this position
View analysis
Chat with Coach
Latest news
More career infoAnalysisChatNewsMoreLearn more about how you can thrive in this position
View analysisChat with CoachLatest newsMore career infoAnalysisChatNewsMoreThis role is vulnerable
New Accounts Clerks are labeled "Vulnerable" because the most routine parts of the job, like processing account applications, verifying information, and walking customers through standard forms, are exactly the kinds of repetitive, rule-based tasks that AI handles very well. Already, 50% of consumer checking accounts are being opened digitally, and banks are rolling out AI tools to automate the onboarding process that clerks once managed manually.
Read full analysisAnalysis of Current AI Resilience
New Accounts Clerks
Updated Quarterly
How is AI changing New Accounts Clerks jobs?
If you're considering a career as a New Accounts Clerk, here's the honest picture: many of the routine parts of the job are already being automated, but humans still play an important role. Wells Fargo said that less than three years after it launched its AI-powered virtual assistant Fargo, the assistant has helped customers with more than 1 billion transactions. CEO Charlie Scharf noted the bank made it significantly easier to open accounts in its mobile app, and in 2025, 50% of consumer checking accounts were opened digitally.
Behind the scenes, banks are also automating account-opening workflows. Tearsheet reported in February 2026 [1] that Goldman Sachs is deploying AI agents for client onboarding — a task that had resisted automation because of regulatory complexity. The good news?
The ABA Banking Journal's 2026 outlook [2] emphasizes that AI is enhancing financial-services teams rather than replacing them, with regulators stressing that human judgment and oversight remain essential. History supports this — when ATMs spread from the 1980s to 2010, bank teller employment actually grew from around 500,000 to nearly 600,000 because tellers shifted to relationship work.
Sources
How fast is AI adoption growing for New Accounts Clerks?
Adoption is moving fast in banking because the economics are compelling: digital onboarding is cheap, available 24/7, and customers like it. The U.S. Bureau of Labor Statistics projects overall employment of financial clerks (which includes about 38,900 new accounts clerks) to decline 5 percent from 2024 to 2034 [3]. The World Economic Forum's Future of Jobs Report 2025 [4] similarly lists clerical roles among the fastest-declining jobs by 2030.
However, strict KYC rules, fraud risk, and the need to explain complex products to nervous customers slow full automation. Skills that stay valuable: empathy, problem-solving on tricky account errors, financial education, and trust-building — exactly the human touches AI still can't replicate.
Sources
Will AI replace New Accounts Clerks?
Yes. We do think that eventually AI will replace much of this work as it's done today, but the skills you build in this role have real value beyond it.
Our 11.9% AI Resilience Score reflects just how exposed this job is. Banks are already automating the core tasks: Wells Fargo reports that 50% of consumer checking accounts are now opened digitally, and Goldman Sachs is deploying AI agents for client onboarding [1]. The Bureau of Labor Statistics projects financial clerk employment to decline 5% through 2034 [3], and the World Economic Forum lists clerical roles among the fastest-declining jobs by 2030 [4].
That said, strict regulations, fraud risk, and the need to guide nervous customers through complex decisions still require human judgment. Regulators continue to stress that oversight and accountability cannot be fully handed to machines [2]. Those moments are where you prove your worth right now.
More importantly, this job is a real entry point into financial services. The empathy, compliance awareness, and customer trust you develop here transfer directly into relationship banking, fraud investigation, financial counseling, and compliance roles. Think of a new accounts position less as a destination and more as a launch pad into parts of banking that AI is much slower to touch.
Sources
Help us improve this report.
Tell us if this analysis feels accurate or we missed something.
Share your feedback
Latest AI news for New Accounts Clerks
As students aspiring to become New Accounts Clerks, it's crucial to understand the evolving landscape shaped by AI. Articles highlight that while AI is set to automate many clerical tasks, such as data entry, it also emphasizes the importance of developing skills that AI cannot easily replicate. For instance, the report from Australia's government predicts high-skill roles will thrive, suggesting that clerks who adapt by enhancing their analytical and interpersonal skills will find resilience in their careers. Staying informed and proactive can position you favorably in a changing job market.
Which jobs are most at risk from the irresistible rise of artificial intelligence?
thespinoff.co.nz • 6/15/2026
AI is transforming the world of work. Is it coming for your job? A new study identifies 82 roles at risk of disruption.
Accounting firms’ AI investments moving beyond ‘just clerical tasks’
www.accountantsdaily.com.au • 6/13/2026
New research from The Access Group has revealed the “inevitability of going past AI being a nice-to-have” for daily operations for...
New Analysis Reveals the 50 Jobs Most Exposed to AI Automation – Some Face Over 96% Task Replacement
www.barchart.com • 11/18/2025
"Cover image for the AI Automation Risk Report, featuring a blue-toned illustration of a humanoid robot next to a clipboard with checkmarks...
AI will augment high-skilled jobs but hit clerical work hardest, Australia's government predicts
www.businessinsider.com • 8/14/2025
Australia's labor market report forecasts generative AI will automate clerical jobs but augment high-skill roles, like managers and...
Which Jobs Are AI-Safe? Microsoft’s Surprising Data
www.forbes.com • 8/7/2025
Is your job at risk? Microsoft's new study identifies which careers are considered AI-safe jobs and which may disappear as automation grows.
More Career Info
Career: New Accounts Clerks
They help people set up new bank accounts by collecting information, filling out forms, and answering questions about account options and services.
Parent Careers
Employment & Wage Data
Median Wage
$46,610
Jobs (2024)
38,900
Growth (2024-34)
-13.2%
Annual Openings
2,300
Education
High school diploma or equivalent
Experience
None
Source: Bureau of Labor Statistics, Employment Projections 2024-2034
Task-Level AI Resilience Scores
AI-generated estimates of task resilience over the next 3 years
1
Schedule repairs for locks on safe-deposit boxes.
2
Execute wire transfers of funds.
3
Interview customers to obtain information needed for opening accounts or renting safe-deposit boxes.
4
Answer customers' questions, and explain available services such as deposit accounts, bonds, and securities.
5
Process loan applications.
6
Refer customers to appropriate bank personnel to meet their financial needs.
7
Perform teller duties as required.
Tasks are ranked by their AI resilience, with the most resilient tasks shown first. Core tasks are essential functions of this occupation, while supplemental tasks provide additional context.
