Frequently Asked Questions (FAQ)


Accessing an ITM is easy using one of the following ways:

  • Card Access: Swipe your AmeriCU Visa® Debit Card to access your accounts.
  • Touch the screen to talk to a Teller and be assisted with your transaction.

Yes! Business members can access their accounts using the Teller Assisted or Self-Service options.

While the ITM is available 24/7 in any AmeriCU vestibule or drive thru, a live AmeriCU representative will only be available during business hours.

Using an ITM, you can:

  • Deposit Money
  • Take Out Cash
  • Deposit Checks
  • Check Account Balances
  • Transfer Between Accounts
  • Make Loan Payments
  • Perform Cash Advances
  • Receive 24/7 Service

Yes! The ITM can accept cash deposits in bulk instead of one bill at a time. (Up to 30 bills)

Yes! The ITM can accept check deposits in bulk instead of one check at a time. (Up to 10 checks)

No, the ITM can read the check amount and will confirm the value with you.

Yes- AmeriCU members can cash a check. It is recommended that when using self-service, you choose the “Deposit with Cashback” option through your Savings share.

ITMs cannot print official checks. Official checks can still be printed at the Teller Line of any AmeriCU Financial Center.

Yes, printing official checks at the Teller Line will still be subject to fees. We allow up to 2 free official checks printed per month per member account. After that, a $5.00 fee will be assessed per official check.

The ITM can disburse $1, $5, $20, and $50 bills.

The ITM can accept $1, $5, $10, $20, $50, and $100 bills.

There are no limitations to the dollar amount of cash that can be deposited at an ITM, only the number of bills the machine can accept at one time.

The ITM cannot accept or disburse coin at this time.

Yes, the ITM will prompt you to select “Yes” or “No” prior to completing the transaction, unless a receipt preference has been set. Alternatively, you may ask an AmeriCU representative for one once you’ve completed your transaction.

Yes, you can see all your shares and accounts at the ITM, however, you may not be able to transact on all share types.

No, the ITM will remain in service. If the ITM is out of a specific denomination, it will substitute different denominations. If it cannot fulfill the requested withdrawal amount, it will prompt you to select another dollar amount.

When the ITM is in Stand By mode:
Deposits, payments, withdrawals and transfers connected to the card inserted in the machine will still be available. A 360 view of all accounts will not be available.

Yes, the ITM will return the check if the transaction has not been completed.

Yes, the ITM will time-out if a Member walks away without “Logging Off” their transaction. The machine will make a beeping sound to alert you that your card has been left in the machine. A message will also display that asks, “Do you want to continue?” If this is chosen, it will require your PIN to be entered again to ensure that only you, the account owner, can transact.

Yes! The ITM will function as an ATM for nonmembers. Fees may apply. Currently, nonmembers can check their balances and transfer or withdrawal funds from their accounts at other financial institutions. For cashing AmeriCU checks, non-members will be required to go to a live Teller.

Share deposits and withdrawals are completed in real time.

All payments are posted in “real time”, with the exception of credit cards and mortgages, which can take up to 2 additional business days to reflect the payment in the balance. For these, the effective date will be the date the payment was transacted on.

AmeriCU Interactive ATMs will display all accounts associated with your social security number (SSN), including primary and joint accounts. Not to worry! Your primary savings and checking account associated with your debit card will always display first. Just something to note when you’re performing a transaction!

Your AmeriCU debit card is eligible for Cardless Access to your checking and savings accounts. You cannot use your AmeriCU credit card or non-AmeriCU Credit Union cards. 

No. Your access code can only be used once to gain access to the ATM. You can complete multiple transactions with PIN re-entry, but if you sign out and need to perform another transaction, you will need to request another access code. 

30 minutes from the time you request it. 

You may have entered the access code incorrectly or it may have expired. If you enter the code correctly and it still doesn’t work, you’ll need to request a new access code for use. 

While rare, Cardless Access may be down for maintenance or temporarily unavailable on the Interactive ATMs. 

No. Cardless Access is only available on AmeriCU’s Interactive ATM machines.  

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