ITM Frequently Asked Questions

What is an Interactive Teller Machine (ITM)?

An ITM is an innovative new banking technology that allows you to conduct teller transactions via video conferencing at the drive-thru without entering a branch. A Bank of Oak Ridge employee located in Oak Ridge will assist you virtually with each transaction.

Watch our 2-minute ITM video to learn more.

Where are ITMs located?

You’ll find ITMs in the drive-thru at all of our convenient locations.

How does an ITM work?

When you’re ready, simply touch the screen to be connected directly to one of our interactive tellers. You’ll be asked to scan your ID for identification, and a digital signature will authorize your transaction requests.

What transactions can be conducted at the ITM?

Almost any transaction that can be completed at a teller line can be completed at an ITM. Examples include:

Checking/savings deposits
Checking/savings withdrawals
Balance inquiries
Account transfers
Check cashing
Loan payments
Exchange bills
Order checks
HSA contributions
HSA distributions

Why should I use an ITM?

ITMs allow us to serve you on your schedule, with extended teller transaction hours from 8 a.m. to 6 p.m., Monday through Friday, and 9 a.m. to 1 p.m. on Saturdays. They offer an alternative to waiting in line while providing safe, secure transactions.

Is there a fee to use an ITM?

No, using an ITM is the same as going to the teller window. There are no additional fees.

Is my conversation with an interactive teller private?

Yes, your conversations are as private as if you were standing in line inside the bank.

Who are the tellers I’ll be interacting with?

All Bank of Oak Ridge interactive tellers work out of our corporate center in Oak Ridge. You may recognize a few of them, as they have worked in all of our locations.

When are Interactive Teller Machines available?

ITMs will be available 8 a.m. to 6 p.m., Monday through Friday, and 9 a.m. to 1 p.m. on Saturdays. ITMs provide ATM services outside of these hours.

Can I still use ATM features without a live teller to assist me?

Yes, if you prefer to complete an ATM transaction without the assistance of an interactive teller, simply insert your card into the ITM and follow the steps you would take with a typical ATM machine. During the ATM transaction, if you would like assistance, you have the option of speaking with the teller at any time.

Why is Bank of Oak Ridge using Interactive Teller Machines?

There are a number of benefits for our clients:

You’ll likely experience shorter lines, with live personal assistance every step of the way.
You have access to our extended ITM drive-thru banking hours of 8 a.m. to 6 p.m. at all of our locations.
You can complete up to 95% of typical teller transactions—like deposits, withdrawals, transfers, and payments—via ITMs.
The addition of ITMs will allow customers to receive more consultative services in-branch.

What if I have more questions about Interactive Teller Machines?

Contact Client Connect at 336-644-9944 or speak with your relationship manager.