Interactive ATMs are Here!

An Interactive Teller Machine, or ITM, looks and operates as an ATM, with added functionality- including the option to chat directly with an AmeriCU representative, and perform virtually any transaction as if you were right at the teller line! Bank at your convenience with the flexibility of an ITM. Live Tellers provide extended service to our members outside of traditional banking hours – they’re available Monday – Friday from 9 AM – 5 PM, and on Saturdays from 9 AM – 12 PM.

Cardless ATM Access

New! Cardless Interactive ATM Access!

You can now access AmeriCU Interactive ATMs without your debit card! We’ll send you a secure access code through the AmeriCU app that will allow you to access your accounts and perform the transactions you need – withdrawals, deposits, transfers, talking with a live teller, and more! Follow the steps below:

  1. Login to the AmeriCU app and select ‘Cardless ATM’ under ‘More’.
  2. Request a secure access code.
  3. Use the access code at any AmeriCU Interactive ATM when you tap the Cardless Access Code button on the main screen.
It’s that easy! If you haven’t already, you can click here to download the AmeriCU app.

Cardless Interactive ATM Access in 3 Easy Steps

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1. Login to the AmeriCU app and select ‘Cardless ATM’ under ‘More’

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2. Request a secure one-time access code.

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3. Visit an AmeriCU Interactive ATM and click the Card Free Access button on the welcome screen and input the code from your mobile device.


Services offered at the ITMs include:

  • Making loan payments
  • Cashing checks
  • Deposit up to 50 checks and 200 bills
  • Transfer funds between accounts
  • Withdraw cash in a variety of denominations
  • Cardless transactions, all with enhanced authentication.
ITM Drive Thru

ITM Updates:

Soon, Drive Thru tubes will be replaced with ITMs at all of our Financial Center locations – but that doesn’t mean you need to step inside to conduct your transactions! Before you insert your card you can click the “Talk to Teller” button on screen and a live representative can assist you with any transaction you’d typically complete in the teller line! You can speak aloud to the Teller, or if you wish pick up the attached phone for some additional privacy.

NOTE: 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! Questions? Let’s connect! Click “Let’s Talk” in right-hand corner to get started.

Let's Connect

Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!

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Locations + ATMs

Wherever you are, you’re never far from AmeriCU! With 20 Financial Center locations throughout Central and Northern New York, over 30,000 surcharge-free ATMs nationwide, and access to a nationwide Shared Branching network, we make it easy to connect.

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Online + Mobile Banking

Access your accounts from your desktop or mobile, without ever having to visit a Financial Center, and take advantage of a variety of eServices.

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Always on the go? Or, maybe you prefer the comforts of home. Whatever your lifestyle, AmeriCU can connect you wherever you are!

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