ITMs

ITM stands for Interactive Teller Machine. Think of these machines as a new and improved ATM, with the additional option of having a real person inside via live video chat! This gives you the opportunity to do even more transactions from inside your vehicle at the drive through. Even outside of business hours (when a live video chat is unavailable), you'll still have more transactional options than with regular ATMs.

Yes! The ITM will function just like an ATM, but with way more options including the ability to speak and/or video chat with a live NorthRidge Member Service Representative that will be working in our Virginia, MN branch office.

Yes! We are removing the tubes from the drive throughs. The ITMs will allow you to deposit cash or checks, make withdrawals (in a variety of bill denominations), transfer funds, make changes on your accounts, and more.

The ITM will function similarly to any touch-screen ATM you may have used before, but with more options. You can still complete a simple withdrawal by inserting your card and receiving cash (cash will be available in a variety of denominations of bills!). You can also make a loan payment, deposit a check, start a loan application, speak with a live NorthRidge Member Service Representative and more!

Nope! We created and staffed a whole new department of Virtual Member Service Representatives to service our members at the ITMs. Adding ITMs to our fleet of services is creating MORE jobs!

Eventually, yes! There is some construction involved to prepare our drive throughs for these new machines, so the process may take up to a year to have ITMs in all 5 branches. Our new Hibbing building and Ely will be first.

Of course! We are not replacing any service or staff by adding ITMs. We are adding additional services. Our branches will still have the same staffed hours as always!

This is a two-part answer, because on one hand - YES, usually! On the other hand, sometimes no.
There are two ways to deposit checks at our new ITMs and they function very differently, so read carefully!

When making a check deposit with the ITM function (as in, you are speaking to a live teller), your check will usually be available right away, this is the same as walking into the branch! Remember, the ITM is the new drive-through, you are speaking with our team in real-time once you touch the screen!

When making a check deposit with the ATM function (as in, you are not speaking to a live teller), your check can be held for up to 3 business days based on the electronic deposit funds available policy. If you are stopping by after hours to deposit a check, your best options would be the night-drop deposit or to complete a mobile check deposit.