Video Teller Machines - VTM

An VTM is a modern banking terminal that combines the convenience and service of an ATM with expanded capabilities of completing more complex teller transactions with a live teller via video chat. It's like going to a Teller Window in the lobby!

The following transactions can be completed using an VTM:

• Make cash and/or check deposits
• Withdrawal cash
• Check your account balance (balance inquiry)
• Exchange larger bills for smaller bills
• Complete transfers
• Cash checks
• Make a loan or credit card payment

The following transactions CANNOT be done using an VTM:

• Request a statement copy
• Have a debit card printed
• Make HSA contributions and distributions
• Obtain a Corporate Check
• Coin counting or coin deposits
• Receive or complete a Wire Transfer
• Open a new account
• Apply for a loan

It's so easy! You simply drive up to an available VTM and touch the screen to activate your session. You can use the machine as either an VTM (video with a live video teller) or as an ATM for cash withdrawal or to check your balance. To use the machine as an ATM, simply swipe your debit card and follow the prompts on the screen.

LLCU VTMs are available 24/7, however, the ability to connect to a live video teller and completing more complex transactions is limited to regular business hours as follows:

• Mon.-Thurs.:  8:00a.m. - 5:30p.m.
• Friday:  7:30a.m. - 6:00p.m.
• Saturday:  8:00a.m. - 12:00p.m.

For any time outside of these regular hours, the machine will transition to ATM mode and offer typical ATM transactions such as cash withdrawal and balance inquiry.

No, there is no fee to use an VTM. It is the same as going to a lobby teller window for your transaction.

Yes, your conversation with the video teller is as private as it would be if you were standing at a teller window in one of our lobbies. However, if you are still concerned about anyone near you hearing your conversation, the VTM does have the capability for you to privately chat with the video teller using the touchscreen chat keyboard.

*IMPORTANT NOTE: Every VTM exchange with a live video teller is recorded for security purposes.

No, transaction slips are not needed with VTM transactions. The entire transaction is completed digitally.

Yes, you will need to show your valid state-issued I.D. such as a current Driver's License or State I.D. to complete your more complex VTM transaction, just as you would if you visited a teller window inside a lobby. When it is time to show your I.D., the live video teller will instruct you on where to place your I.D. on the machine.

The maximum amount of cash you can deposit to an VTM is $3,000.00 daily. There is currently no limit on check deposits when using an ITM.

There is a daily limit of cash withdrawals of $3,000.00 when using an VTM.

Also, please note that if you are using the machine in basic ATM mode, there is a daily cash withdrawal limit of $500.00.

While looking at online banking, you'll find that any checks cashed through an VTM will be labeled as an VTM transaction. 

An VTM can dispense currency of the following denominations: $50, $20, $5, and $1. It will dispense the fewest amount of bills possible. However, the teller can change the number of each denomination being dispensed, based on your request. Tellers can also dispense coins including quarters and nickels (no dimes or pennies). If you are cashing a check that would return coin requiring dimes or pennies, you will have the option to deposit remaining coin into your account, or come into the lobby to receive coin. Coin cannot be exchanged after it is dispensed (VTMs will not accept change for deposit).

Yes! You can if it is during our regular business hours and by clicking to connect with a video teller to assist with your transaction.

Yes, you can make both loan payments and credit card payments using an VTM during regular business hours. Simply connect with a live video teller to assist you with making your payment.

Yes, by connecting directly to a live video teller during regular business hours, your business account(s) can be accessed using an ITM.

The VTM Video Tellers for LLCU are current staff members who are expertly trained to operate the VTMs and provide you with fast, friendly service. Our Video Tellers are currently located at one of our Decatur branches. Eventually, some of our video tellers will work from various other LLCU branches within central Illinois.

Those valued staff members will remain at their current branch but will simply transition to the serving members in the lobby at a teller window.

Eventually, all LLCU branches will have at least one VTM. For now, we are gradually rolling them out to each branch location. As of the fall of 2025, LLCU has VTMs at the following branch locations:

• Prosperity Place Branch in Decatur
• Pana Branch (S. Locust St.)
• Effingham North Branch (Thelma Keller Ave.)

Yes, if you would prefer to complete a simpler ATM transaction without the assistance of a live teller, simply insert your card into the VTM and follow the same steps you would with an ATM. Note that during an ATM transaction on an VTM machine, you will only be able to do simple transactions such as a cash withdrawal or balance inquiry. But, if at any time during your ATM transaction you would like further assistance (during regular business hours), you will have the option to connect to a live video teller at any time.

Shared Branching transactions cannot be completed on an VTM. Those must be done in the lobby at a teller window during normal business hours.

Non-members are able to use the VTM machine in ATM mode for cash withdrawal at any time. Any non-member who has already had a "non-member entity" created will also be able to use the ITM for more complex transactions. 

VTMs improve both the speed and quality of our service provided to members. They ensure that members in our drive-up lanes receive efficient, personal assistance every time. Additionally, LLCU strives to provide our members with enhanced convenience and the best technology available. Adding VTMs allows us to better serve our members.

Eventually, we will be able to provide even greater convenience to our members by placing stand-alone ITMs at more remote locations or towns that do not currently have an LLCU branch, meeting our members where they need us with personalized service and friendly faces of live video tellers.

We are standing by, ready to answer your questions. Simply call our Member Solutions Center at 1-844-222-7788 or visit llcu.org and talk to us via live chat - during our regular business hours.