1. To deposit money, fill out a small form and submit the money to a teller. This transaction is generally completed in 5-10 minutes.
2. To withdraw, write a check and submit it to a bank teller. This check will be processed by 4-5 different employees. The vetting process generally takes 30-45 minutes, until money is received.
When making deposits it is best to arrive before 1pm. When making a withdrawal it is best to arrive before 12pm. Arrival time to deposit should take place before 12pm. Iraqi banks generally say they have daily inventory after that time and will not perform these services.