Interactive Teller Machine
ITM or Interactive Teller Machine looks similar to an ATM, but with one big difference -- you can speak with a DCFCU representative using live video. Our ITM is an excellent way for members to make quick transactions without waiting in the teller line.
Members can make the transactions below at the ITM using their DCFCU Debit Card without the need to speak to a representative:
- Account Balances for all DCFCU Accounts
- Withdraw up to $2,500 per day ($5,000 per day requires a live teller)
- Transfer funds
- Cash and Check Deposits
- HELOC Withdrawal (advance)
- Loan and Credit Card Payments from your Credit Union Account
ITM is available at the following branch location:
- Main Branch
- Kendall Branch
- South Branch
- Miami Gardens / Miami Gardens (Walmart In-Store)
- Downtown Branch
- Hialeah Branch
- Jackson Memorial Hospital (JMH) Branch
ITM vs. ATM
Credit Unions and Banks offer different types of technologies to help with financial transactions. ITMs and ATMs are both ways to help people with their banking. Let’s go over what they do and how they can help you.
What is an ATM?
Most people are familiar with ATMs. The name ATM stands for automated teller machine. It’s a form of technology that can help with essential banking functions, like check and cash deposits or cash withdrawals.
What is an ITM?
ITMs are newer to the financial industry than ATMs. ITM stands for interactive teller machine. ITMs have video screens that allow someone to interact with a teller in a video chat. This lets one perform a wider variety of banking functions just like you would if standing in front of the teller in the branch.
ITM vs. ATM: What Does Each Do?
While ATMs perform pretty consistent functions across the board, ITM functionality might vary across different financial institutions. One thing that is consistent is that ITMs offer services ATMs do not.
An easy way to remember is that ITMs are just another way to interact with a teller. You talk to a real teller through a video chat, so the ITM can do many of the same tasks that a teller can do.
An ATM is more transactional. You can view your accounts and, take out money or deposit cash and checks.
| ITM vs. ATM | ITM | ATM |
|---|---|---|
| Make Deposit |  |
|
| Withdraw Funds | |
|
| Check Account Balances | |
|
| Transfer Funds | |
|
| Make a Payment on Loans | |
|
| Pay Off Loans | |
How to use an ITM
To begin service, simply insert your DCFCU debit card into the machine and follow the prompts on the screen. You will be able to communicate with a representative via video chat. For greater privacy, you may choose to speak with our representative using the secure telephone attached to the machine. If you have any questions, our representative will be happy to guide you through your transaction.