Think beyond an ATM

  • Complete view of all your accounts
  • Expanded transaction functionality

Two ways to use an ITM

Enhanced ATM access

The ATM experience allows for several enhanced ATM transactions, with your GECU debit card you can:

  • See a complete view of your entire relationship with GECU including loans, credit cards, certificates, and more – all of your accounts, at your fingertips.
  • Withdraw cash in denominations of $1, make deposits without an envelope or deposit slip, and get check images printed on your receipts. 
  • Transact between your accounts, and even make payments on a loan or credit card.

Unlock access to enhanced ITM features and your accounts around the clock!

To get started, simply insert your debit card.


Personal Teller assistance

During business hours, connect with a GECU team member for assistance with transactions you'd typically make with the help of a teller. Located in Blue Ash, OH, our Personal Tellers are available to assist during the following hours: 

Monday – Thursday: 8 am - 5 pm
Friday: 8 am - 6 pm
Saturday: 9 am - 2 pm

To get started, tap the screen to speak with a live teller.

Take a look

Find an ITM at a location near you

Branch/ATM/ITM locator

Our ITMs can be found at all GECU locations

Drive-thru ITMs

Bank from the comfort of your car! Visit a drive-thru ITM and use the self-service features or connect with a Personal Teller via two-way video - available one hour earlier than when our locations open.

24/7 ITM lobbies

Our newest locations - Oakley, Montgomery, Eastgate, and South Lebanon - feature a 24/7 ITM lobby; just swipe your GECU debit card for secure access to our ITMs inside our branch to complete transactions after hours..

ITM location overview:

  • Reading Road: Located inside the 24/7 vestibule
  • Eastgate: Located inside our 24-hour ITM lobby (with debit card access) and in the drive-thru lanes
  • GE Plant: Outside of our office in building 700 (restricted access)
  • Fairfield: Located inside and in the drive-thru lane
  • Mason: Located in the drive-thru lane
  • Loveland: Located inside and in the drive-thru lane
  • Oakley: Located inside our 24-hour ITM lobby (with debit card access) and in the drive-thru lanes
  • Montgomery: Located inside our 24-hour ITM lobby (with debit card access) and in the drive-thru lanes
  • South Lebanon: Located inside our 24-hour ITM lobby (with debit card access) and in the drive-thru lanes
  • Liberty Way: Located inside our 24-hour ITM lobby (with debit card access) and in the drive-thru lanes
  • Highland Heights, KY: Located inside and in the drive-thru lane
  • Florence, KY: Located inside and in the drive-thru lanes

General Electric Credit Union is a full-service financial institution headquartered in Cincinnati with branches in Ohio and Kentucky.

Frequently Asked Questions

An ITM is an Interactive Teller Machine. Not only can it do everything an ATM can do, but you can also speak with a local GECU Personal Teller via two-way video. Everything you expect from a traditional teller, but with contactless delivery of cash and greater accessibility.

Simply touch the screen to speak directly to one of our Personal Tellers! They’ll be happy to see you and assist you with all of your transactions. Or, you may choose to use the enhanced ATM feature, including the ability to: withdraw cash in denominations of $1, make deposits without an envelope or deposit slip, and get check images printed on your receipts.

Our Personal Tellers, and all GECU team members, are local and work in our Cincinnati area offices.

We are always looking for ways to provide our members with greater banking access and this is the next natural step in that direction! ITMs will allow us to serve you more efficiently, reduce lines and wait times, and extend our hours to make your banking easier. The hours for our walk-up and drive thru ITMs are: 8 am – 5 pm Monday through Thursday; 8 am – 6 pm Friday; 9 am – 2 pm Saturday.

Absolutely! Alongside our ITMs will be GECU Relationship Consultants who will be happy to assist you with all your financial needs, including: loans, accounts, Online Banking and mobile app assistance, and anything else you may need to discuss.

Yes, we do, and our ITMs make this an even greater experience! Now you can speak with our Personal Tellers via two-way video without ever having to leave your car. Cashing a check, making a loan payment, or depositing funds has never been more convenient.

ITMs can do everything an ATM can do and so much more! You can deposit cash, make a loan payment, cash your check to the penny, and speak with a Personal Teller with a simple tap of the screen.

Almost everything a traditional teller can do can also be done at the ITM. This includes: cash deposits, withdrawals, transfers, loan payments, balance inquiries, and check deposits. Relationship Consultants are available at our locations to assist with other items, such as: money orders, cash advances, cashier’s checks, notary services, and other account-related services.

Our ITMs are faster and offer more privacy than a traditional teller line, provide extended hours to better fit your schedule, and are easily accessible for hearing-impaired members.

No, in fact we’re happy to share that ITMs have created the need for new positions and opportunities for our team members. We are grateful to all of our team members and value what they bring to the member experience. Our Personal Tellers are excited to work with this new technology, while still serving our members “face-to-face” via video. You may even see a familiar face as some team members transitioned into this department from other areas!

During our business hours, a GECU team member at our locations will be available to offer further assistance.

Of course! You can use our headset or plug in your own headphones. Additionally, there is a chat feature you may use to communicate with one of our Personal Tellers.

Absolutely! The ITM privacy is that of a traditional teller environment, but even better! The ITM offers an array of privacy options, including:

  • Screen filter that only allows the person directly in front of the ITM (you!) to see the screen;
  • Phone handset that allows you to speak with the personal teller over the phone;
  • Chat functionality; and, other alternative privacy options.

We encourage you to speak with a Personal Teller for more details!

Yes, you can make your payment up to 8 pm and it will post the same day!

Another great advantage of our ITMs is that you can choose how you want your money. Our ITMs dispense in denominations of $100, $20, $5, and $1. When cashing a check, your change can be dispensed in a mixture of quarters, nickels, and pennies.

The ITM can dispense coin so you can cash your check to the penny. You can also withdraw quarters, nickels, and pennies. For depositing, coin machines are available at all traditional branches.

Yes, plus all ITM receipts offer the image of any check deposited on the back of your receipt.

Your ITM transactions will show up immediately after you log in Online Banking or the mobile app. In addition, images of any checks you deposit will show up within 24 hours.

All cash deposits made at an ITM will be made available immediately.

Similar to ATM check holds, all check deposits via ITM (not with a Personal Teller) will be placed on a minimum hold of 2 days. Extended holds may apply per our Funds Availability Policy.

Our Funds Availability Policy is the same with a traditional teller and our Personal Tellers through the ITM. Our policy is to make funds available to members the first business day after the initial deposit; however, extended holds may apply per our Funds Availability Policy.

Non-members can utilize the ATM functionality to withdraw from another financial institution and can make a Credit Card Cash Advance (fees from other financial institutions may apply). Membership is needed to fully experience everything an ITM can do. Thankfully, joining GECU couldn’t be easier. Visit any GECU location or open an account online.

General Electric Credit Union is a full-service financial institution headquartered in Cincinnati with branches in Ohio and Kentucky.

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