Type the name and address of the recipient exactly as it appears on the job ad. Type the date in "Month date, year" format. Open with "Dear Mr. Smith," not "Dear Joe."
Write the introduction. In a sentence, state that you are applying for the job. For example: "I am enclosing my resume for the Customer Account Officer position at Community Bank."
Write the body. In a paragraph or two, describe how your education and experience fit the job requirements. For example: "I have a bachelor's degree in commerce from the University of Iowa. I have gained valuable customer service skills and relationship building experience at two different bank settings. At a busy Citizens Bank branch, I was able to achieve high customer satisfaction ratings as one of their tellers and customer service representatives. Over the past two years, I have also worked effectively with senior account managers and loan officers on residential mortgage loan applications at Bank of America."
Write the concluding section. In about a sentence, wrap up the letter on an optimistic and confident note. For example: "I believe that I can build on my education and experience and contribute effectively at Community Bank as a Customer Account Officer. I look forward to meeting with you and discussing the opportunity further."
Close the letter by typing "Sincerely" and your full name. Your contact information should follow if it's not at the top of the letter.
Spell check and proofread the letter. Attach the resume. Send it to the bank according to the instructions in the job ad. If the ad asks you to send the application letter by regular mail, do not send it to the general human resources email address instead. If you're to send it by email, keep the email brief. For example: "Dear Ms. Brown: I am enclosing my resume and a cover letter in response to the Bank Teller position at your bank. Sincerely, Joe Smith." Type the job title and reference number in the subject field.