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The interactive tellers at PCSB are being closely watched by other bankers, according to Data Business Equipment, an NCR reseller.

´╗┐Interactive bank tellers help rural banks expand service

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"The one snag is that we can't offer customers a pen when they need one," said PCSB teller Amanda Graves, 31, of Clarinda. "And that's the only snag."

Clarinda Police Chief Keith Brothers uses an interactive teller at a PCSB Bank branch in Clarinda in March. He says the devices are convenient and a lot safer for bank personnel.(Photo: Bryon Houlgrave/Register photos)

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Duluth, Ga. based NCR estimates the potential market for video enabled interactive tellers at $4 billion. and Canada signed up as customers as of March 19 and about 400 interactive teller machines in service. It's sold more than 1,000 units since launching the new product in February 2012.

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"When we heard about the interactive teller it just clicked in our mind," Alvarez said. "It's just the perfect solution and the timing is right."

Industry experts are already lauding interactive tellers as a solution to the departure of banks from rural markets. The new devices allow human tellers to ask customers if they'd like their withdrawals in Benjamins or Grants or other denominations, verify their identity, and accept stacks of up to Fendi Travel Bag Replica

The remaining human tellers will be more efficient, spending about 80 percent of their time with customers via interactive tellers instead of the current 60 percent, he said.

The potential savings for an industry where branch personnel account for 45 percent of expenses is a big attraction for the chief financial officers who run their banks' balance sheets, Reider said. NCR estimates that it costs banks about $2 for each interactive teller transaction, versus $4 for a traditional teller transaction and $1.25 for a traditional ATM transaction.

NCR Corp. is rolling out the devices at an opportune time as national and regional banks abandon their least profitable locations in the wake of the financial crisis. In the banking industry that typically means those with the least foot traffic rural banks and those in high crime areas.

The interactive tellers have allowed PCSB to open earlier and close later. It's also open on secondary holidays now, like Presidents Day and Columbus Day. The new hours have produced more than 1,700 additional transactions in the past four months, according to PCSB co owner Cindy Alvarez.

"It's a no brainer," said Johnson, 38, of Gravity. "We've bought into the idea that this is the future of community banking. As rural populations decline it becomes more and more difficult to maintain a traditional brick and mortar facility in them, but it's very possible with this technology. This is our solution to the problem."

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PCSB, which is one of the state's oldest and smallest community banks, was the first in Iowa to deploy interactive tellers, and among the first in the United States. It now has five of the devices and expects Bags Fendi 2016

"The ATM on steroids and the ramping up of remote services is really important," said Jim Chessen, chief economist of the American Bankers Association. "The main thing about the video tellers is that you still have a face to face connection without the expense of having someone that's just serving a single branch. It's a more efficient way to handle walk in traffic in areas where it's less intense."

Sussex County Federal Credit Union in Delaware and Dollar Bank in Pittsburgh were among the first financial institutions to deploy interactive tellers outside Iowa.

Johnson estimates PCSB, which changed its name from Page County State Bank in June, has a two year lead on the competition. He said it tickles him that the family owned bank, which was founded in 1866, is leading the way in Iowa with the new technology.

"These interactive tellers are perfect for rural communities and less populated areas," said Patrick Jury, chief executive officer of the Iowa Credit Union League.

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The devices, which some industry experts compare to an ATM on steroids, are the latest in bank automation. They allow customers to interact with live tellers working from remote call centers via real time video. However, they're meant to enhance human tellers instead of replacing them, as ATMs do.

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"It's a machine, but it's not, because it's run by people," said James Johnson, chief operations officer of Clarinda based PCSB.

to deploy 11 by the end of this year.

James Johnson said the bank's call center tellers have handled 56.5 percent more transactions than those in the traditional lobby and drive through windows since it installed its first four interactive terminals in November. That's partly because the tellers working them spend less time waiting for customers. One teller can staff up to three machines depending on the time of day.

Steven Reider, president of the Bancography financial services consulting firm in Birmingham, Ala., says the big negative for the new machines is job destruction. more than 100,000 positions. However, that's still far short of the complete replacement of human tellers by ATMs that was once projected for the banking industry.

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PCSB put a fifth machine into operation this month and plans to install three more at its new branch in Corning population 1,600 when Fendi Wallet Female it opens in June. Five of the bank's 17 tellers now work out of its call center in Clarinda, population 5,500. Corning is about 30 miles from Clarinda.

If a customer should find the new gadgets daunting and need assistance, the human teller is there to guide them through the process. On screen. Just like on a video phone call.

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