By Bear State Bank

Meet the ITM. It’s Like an ATM with a Smart Mouth.

Think of ITMs as the next generation of ATMs, only better. As the name suggests, ITMs offer you the option of actually interacting with a live teller via a video screen.


Bear State Bank has nine currently in use and plans to roll out more in the future.

Rogers, AR
2000 Promenade Blvd.
Rogers, AR 72758

Waldron, AR
181 Hwy 71 Bypass
Waldron, AR 72958

Harrison, AR // Northtown Branch
1401 Hwy. 62/65 N.
Harrison, AR 72601

Harrison, AR // Downtown Branch
124 S. Willow
Harrison, AR 72601

Jonesboro, AR // Downtown Branch
319 East Street
Jonesboro, AR 72401

Hot Springs, AR // Plaza Branch
1880 Airport Road, Suite A
Hot Springs, AR 71913

“Once a customer interacts with our team member paired with the technology, they love it,” according to Yurik Paroubek, Chief Technology Officer for Bear State Bank. “A common comment we hear is that this is how they’ll conduct their transactions from now on. You get the convenience of technology plus the benefit of a personal interaction.”

Let’s look at 5 ways ITMs are superior to ATMs.


1. Lets Talk About It.

ITMs allow you to interact with a real person via a video screen. It’s not a requirement, just an option. You can use ITMs to perform all the transactions currently offered by ATMS, plus more.

2. You Can Feel that Jingle Jangle in Your Pockets.

ITMs can dispense money anyway you want it, including loose coins. Most ATMs can only disburse bills in $20 increments.

3. No Debit Card. No Worry.

Let’s say you lost your debit card or it is snuggled somewhere out of sight in the bottom of your purse. Just push the button and ask for help. The ITM Video Concierge can perform about 90 percent of the functions available to you in the bank lobby.

4. More Face Time.

Customers benefit from extended hours with human assistance as banks can make ITM tellers available after hours. iTM banking hours are 8am to 8pm. This gives you more flexibility in scheduling transactions at times convenient for you.

5. Faster Transactions.

An ITM teller can get you in and out of a bank quicker. ITMs don’t have to count cash or physically enter the amount of each check as the machine does it. This makes for quicker transactions and less time standing in line.


What’s Next?

More ITMs are coming to Bear State Bank, and you can learn where and when by checking our Facebook page. Moving forward, anytime a traditional ATM needs to be replaced, we’ll use hardware capable of serving as both an ITM and ATM. In some cases, it makes sense to just use the ATM functionality. In others, our customers are better served by the additional functions available with ITMs.

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