Despite the rapid expansion of mobile and digital banking, face-to-face interactions between bank tellers and customers remain important service encounters, particularly for transactions requiring assistance, clarification, problem resolution, and assurance. In such encounters, teller performance is not determined solely by transaction speed and accuracy but also by the quality of interpersonal communication. This study examines the role of teller communication quality in shaping customer perceptions and relationship outcomes in retail banking. Using an integrative literature review, the study synthesizes research on service encounters, interpersonal communication, frontline employee behavior, service quality, customer satisfaction, trust, and loyalty. The synthesis identifies six core dimensions of teller communication quality: communication clarity, active listening, empathy, assurance and credibility, relational warmth, and nonverbal congruence. The proposed framework suggests that teller communication quality enhances perceived service quality and directly strengthens customer satisfaction and trust. Perceived service quality further mediates the relationship between communication quality and satisfaction, while satisfaction and trust serve as mechanisms through which teller communication contributes to customer loyalty. Transaction complexity and service pressure are also proposed as contextual factors affecting the strength of these relationships. The study contributes to banking service literature by conceptualizing teller communication as a multidimensional strategic capability rather than merely a component of general service quality. Managerially, the findings imply that teller training should integrate transaction competence with communication competence, including active listening, plain-language explanations, empathy, complaint handling, and appropriate nonverbal behavior. Keywords: teller communication, interpersonal communication, customer satisfaction, customer trust, service quality, customer loyalty, retail banking, frontline employees