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Closed for Memorial Day

All HFCU branches, drive-thrus, and HFCUVT Video Branch will be closed Monday, May 27 for Memorial Day.

Our call center, eBranch and M.A.R.S are available 24/7.


  • What is an ITM?

    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.

  • Why is Heritage Family Credit Union using ITMs?

    There are several benefits for our members!

    • Members will experience short lines and personal assistance every step of the way.
    • 95% of typical teller transactions are available via ITMs.
    • The addition of ITMs allows members to receive more consultive services in-branch.
  • Where are ITMs located?
  • Is there a fee to use an ITM?

    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.

  • Will transactions take longer at an ITM than it does at a teller line?

    ITM transactions take less time than transacting in-branch with a traditional teller.

  • Can I still use ATM features without a Virtual Branch Representative to assist me?

    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.

  • How do transactions at an ITM differ from transactions at am ATM?

    Table data for ATMs vs. ITMs
    ATMs ITMs Alert Me
    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.

  • Will the ITM only dispense twenty-dollar bills?

    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.

  • Can coins be deposited into the ITM?

    The ITM will not accept or process coins, similar to an ATM.

  • Will the ITM dispense coins? What if I want to cash a check that is not an even amount?

    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.

  • How does an ITM work?

    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.

  • When are the ITMs available?

    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.