How much room is there after an offer? - any advice?

I received an offer as a bank teller and I think the pay is a little low. Thank you in advance. The benefits are decent. What wording worked?

Most employers expect a short conversation. Mine did not even blink.

Thanks for writing this out. I went through something close to it 10 months ago, and it got easier once I kept a simple log of every call and form.