ITM is short for "Interactive Teller Machine." This innovative technology allows a member to conduct most teller transactions at the machine without a teller. Video assistance is available when needed during regular business hours. An HFCU employee can assist you virtually with the touch of a button.
There are several benefits for our members!
Using an ITM is the same as visiting the teller window. There are no additional fees for members. Non-members can use an ITM like an ATM and will be charged a $2.50 transaction fee and may see a fee from their institution as well.
ITM transactions take less time than transacting in-branch with a traditional teller.
Yes, if you prefer to complete an ATM transaction at any of the ITM locations, simply insert your card into the machine and follow the steps you would typically take with one of our ATMs. During the transaction, you can request assistance at any time.
|Make a withdrawal ($500 maximum)||Make a withdrawal ($5,000 maximum)|
|Make a deposit (holds apply*)||Make a deposit (ability to deposit into multiple accounts, holds apply*)|
|Make a transfer||Make a transfer|
|Balance inquiry||Balance inquiry (Share descriptions mirror eBranch nicknames)|
|Printed receipt||Printed or emailed receipt|
|Make a loan payment|
|Cash a check (holds apply*)|
|Active Teller Assist (ability to connect with a Video Branch Agent)|
|*An ITM will automatically place holds on any check amounts exceeding $500.00. For a check(s) over that amount, an ITM will automatically release the first $500.00 of funds, place the next $5,025.00 on a 2-business day hold, and the remainder will then typically be available after 7 business days. There is a $25,000 and 50 check deposit limit at the ITM. Any amount above $25,000 or 50 items will need to be processed with an in-branch employee.|
The ITMs will dispense one-dollar bills, ten-dollar bills, twenty-dollar bills, and fifty-dollar bills. Depending upon the amount you are withdrawing, you will be able to request your bill mix. You can withdraw up to $5,000 from your available balance.
The ITM will not accept or process coins, similar to an ATM.
The ITM will not dispense coins. When you cash a check, the ITM will treat the transaction as a deposit and a withdrawal. You will be asked which share you want to utilize for the transaction and the change will be deposited to that share.
When you’re ready to begin your transaction, simply touch the screen. You can either conduct a transaction like you would at any other ATM, or request to connect with a Virtual Branch Agent. You may be asked to scan your ID for identification.
Advanced ITM functionality will be available on our drive-thru ITMs from 7:00 AM to 9:00 PM EST Monday through Friday. ITMs provide ATM services only outside of these hours. Virtual Branch Agents are available to help conduct transactions from 9:00 AM to 5:00 PM EST Monday through Friday. Our in-branch ITMs are accessible during regular branch hours.