A drive up interactive teller machine

ITMs

Citizens Bank has introduced Interactive Teller Machines -- or ITMs -- at our Muskego and East Brook (East Troy) offices. An ITM is basically an ATM but with expanded capabilities plus the option to get live, on-screen help from a representative during business hours.


ITMs are easy to use! Insert your debit card or select an option on the screen to get started, then just follow the prompts to complete your banking. Get help from one of our Customer Service Representatives during our Virtual Teller hours.




















Interactive Teller Machine

Frequently Asked Questions

An ITM, or Interactive Teller Machine, is essentially a “branch in a box” that uses a combination of touch screens and video technology to offer a virtual version of the in-person banking experience. Physically, it looks similar to an ATM but includes a video screen and other technological elements that allow for live interaction with a Citizens Bank Customer Service Representative (CSR). ITMs are designed to give you an alternate way to do your banking, not replace in-branch tellers.

ITMs perform many of the same functions as a standard ATM, such as cash withdrawals and balance inquiries. For more complex transactions, you can initiate a live video chat with one of our customer representatives directly on the screen. Our representatives can assist you with:

  • Deposits
  • Withdrawals
  • Account transfers
  • Loan payments

Citizens Bank currently has drive-up ITMs at two branches to serve customers:

  • Muskego Branch
    • S75W17358 Janesville Rd. Muskego, WI 53150
  • East Brook Branch (coming mid-June 2025)
    • 2541 E. Main St. East Troy, WI 53120
  • Convenience – Complete transactions quickly, from your vehicle, and avoid waiting in line
  • More Transaction Types – ITMs offer more services than traditional ATMs, including customized bill denominations
  • Personalized Customer Service – Speak with a live CSR for help from a real person

In addition to standard ATM functions, Citizens Bank’s ITMs allow you to:

  • Make deposits
  • Withdraw funds
  • Transfer funds between accounts
  • Make regular or principal-only loan payments

Note: If a deposit is split between accounts, your statement will reflect one deposit followed by a transfer.

Non-customers may use the ITM for basic ATM transactions only. Open an account to enjoy full ITM functionality!

Check Cashing

Citizens Bank Customers: Checks must be deposited into an account before funds can be withdrawn. If you require immediate cashing, please visit a teller inside the branch.

Non-Customers: Checks issued through Citizens Bank may only be cashed in person, in a branch.

Yes, ITMs are always open for basic ATM transactions.

Transactions can be completed with live CSR assistance:

Monday–Friday: 8:00 AM – 5:30 PM

Saturday: 9:00 AM – 1:00 PM

Outside these hours, the machine will operate in ATM-only mode.

Important:

Deposits made to an ITM after 4:00 PM may be processed on the next business day.

Withdrawals made from an ITM before 5:30 PM will be considered same-day transactions.

If you use:

  • Your Citizens Bank Debit Card and PIN: You will have access only to the accounts linked to that debit card.
  • Your Citizens Bank account number and full Social Security number: You will have access to all accounts for which you are an owner.

Tip: Full account numbers can be found in the Citizens Bank Mobile App.

  • Fast Cash Option: Dispenses $20 bills only
  • Manual Withdrawals: You may select from $50, $20, $5, or $1 denominations

The following cash withdrawal limits apply:

  • Single transaction limit: $500
  • Daily limit: $2,500 

Please call our Customer Service Representatives at 262-363-6500 or speak with any Citizens Bank employee if you encounter technical issues or need assistance using an ITM. We’re happy to help!