KENNETT SQUARE>>Ever wish you could go to your local ATM and cash checks? Or how about depositing checks at your ATM, getting cash back. Or even withdrawing say, $24.78 and receiving the exact amount. And doing it all after bank hours.

You can do just that if at the Kennett Square branch of Bank of America, which is the first bank in Pennsylvania to offer its customers video ATM.

“There are a lot of things you can’t do at ATMs,” said Bassam Awadalla, area executive with Bank of America. “For example, you can’t speak with someone live and ask questions, or make a loan payment or get cash in all kinds of denominations. Here, you can get 10s. 20s, 5s, 1s, and even get change. This is new technology.”

Specifically, the ATM with teller assist can:

- Cash checks and customers can get exact change.

-Allow customers to receive cash withdrawals in a variety of denominations.

-Allow customers to deposit checks with cash back.

-make Bank of America loan or credit card payments.

- Access with most U.S. government-issued photo IDs if ATM/debit card is not available.

-Receive available balances for Bank of America accounts.

“This is not a replacement (for a teller), it’s a value added feature,” Awadalla said. “This is new technology and it is very easy to use.”

The average transaction, Awadalla said, is about three minutes. The ATM was constructed for privacy. There is a hand-held phone for customers who want complete privacy. Teller assistance is available in both English and Spanish.

The experience is similar with talking with a live teller at a booth. Customers can present ID, show checks to the video teller and can have a conversation just like a live teller. It’s all done in real time.

Transactions can be completed outside of the bank’s normal hours. It’s available Monday through Friday from 7 a.m. to 10 p.m, and on weekends from 8 a.m. to 5 .m., excluding weekends.

The entire area is monitored live via security cameras, which inhibits inappropriate behavior, Awadalla said.

There is no additional cost for customers to use the video ATM, Awadalla said. He said the video ATM was made possible because of feedback from Bank of America customers, who want convenience.

“It provides our clients with options and convenience, and supplements the physical presence of tellers,” he said.

Awadalla demonstrated the video ATM on Wednesday. In seconds, the screen sprang to life and a video teller asked him what he needed. He inserted his bank card, got cash back, including change, and conducted a second transaction. He even chatted to the video teller about the weather. The experience lasted about three minutes.

“This is the future,” he said.

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