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Do More than Ever Before

In addition to traditional ATM functionality, our Interactive Teller Machines (ITMs) let you video chat with a live teller to take care of any of your banking needs including deposits and withdrawals, cashing checks, making loan payments, and more.




ITMs are currently available at the following locations:
(We are adding more locations and will update this list as machines become available.)

  • Antioch
    - Inside bank lobby (M-Th 9-5:30; F 9-6)
    3448 Deer Valley Road
    Antioch, CA 94531
    (925) 776-2200
    Get Directions
  • Brentwood, Country Club
    - Inside bank lobby (M-Th 9-5:30; F 9-6)
    - Traditional outside walk-up ATM (24/7)
    2251 Balfour Road
    Brentwood, CA 94513
    (925) 308-7011
    Get Directions
  • Brentwood, Downtown
    - Inside bank lobby (24/7 - use your BAC debit card to access locked doors)
    - Outside at Drive-Thru (24/7)
    740 First Street
    Brentwood, CA 94513
    (925) 634-2111
    Get Directions
  • Concord
    - Outside walk-up (24/7)
    2090 Diamond Boulevard, Suite 10
    Concord, CA 94520
    (925) 609-1970
    Get Directions
  • Stockton - March Lane
    - Outside at Drive-Thru (24/7 - 2 units)
    2001 West March Lane
    Stockton, CA 95207
    (209) 473-6859
    Get Directions

• Lodi
- Inside bank lobby (7 Days; 6am-10pm)
1610 West Kettleman Lane
Lodi, CA 95240
(209) 367-9400
Get Directions


ITM Functionality At-A-Glance

Interactive Teller Machines offer the best features of an ATM plus the ability to work with a live bank staff member during business hours by simply pressing "Help".

  • Traditional ATM Functionality
    • Available 24/7 - Everyday (unless different hours are noted for specific location)

  • Full Service Banking with Video Bankers
    • Available Monday - Thursday: 8:30 a.m to 5:30 p.m.; Friday: 8:30 a.m. to 6:00 p.m.
      Video bankers can process most types of banking transactions



What's the difference between an ITM and an ATM?

No debit card required during business hours Debit card needed for all transactions
Deposit up to 50 items in under a minute
(smaller deposits processed in seconds!)
Deposit 1-10 items
Accepts checks, cash, or mixed deposits Accepts checks or cash deposits
Avoid debit card withdrawal limits Withdraw a maximum $500 per day
Transfer funds between accounts Transfer funds between accounts
Balance inquiries Balance inquiries
Use as an ITM or ATM Use as an ATM only
Place a stop payment  
Process nearly any banking transaction  



Frequently Asked Questions



What is an Interactive Teller Machine (ITM)?

An ITM is an innovative banking technology that allows you to conduct transactions you would typically perform in-branch via video conferencing at our branches. A live BAC Community Bank staff member can assist you virtually with your transaction during business hours.

Where are ITMs located?

We are rolling these machines out at our branches one-by-one. Visit our website at for current locations and other helpful information. So far, our ITM machines are available at:

• Antioch (lobby)
• Brentwood – Downtown (lobby)
• Brentwood – Downtown (drive thru)
• Concord (outside walk-up)

Additional locations coming in 2022:

• Brentwood – Country Club (lobby)
• Lodi (lobby)
• Stockton – March Lane (drive-thru)

How does an ITM work?

An ITM works like an ATM, but with the ability to transact with a live staff member through two-way video during business hours. The machine can work like an ATM, but during business hours you can simply press “Help” to do nearly anything that could be done in-person, even if you don’t have your debit card.

Why should I use an ITM?

ITMs allow us to serve you quickly, even on occasions when branch staff are assisting other customers. Plus, they are staffed by knowledgeable BAC Community Bank staff who are familiar with a full range of banking transactions and who are eager to help.

What transactions can be conducted at the ITM?

Almost any transaction that can be completed at a teller line can be completed at an ITM.

Examples include:

• Deposits of up to 50 items – checks, cash, or a mixture – in under a minute
• Smaller deposits processed in seconds
• No need for a deposit slip
• Make deposits with cash back
• Cash checks
• Cash withdrawals
• Exchange cash
• Get cash how you prefer: $100s, $20s, $5s, $1s (or any mixture)
• Transfer funds between accounts
• Balance inquiries
• Place stop payments
• Process nearly any banking transaction!

Who are the live BAC Community Bank staff members that I’ll be interacting with?

Our ITMs are staffed by knowledgeable BAC Community Bank staff who are familiar with a full range of banking transactions and who are eager to help. You may recognize a few of them, as they have worked in many of our branch locations.

What if I don’t have my debit card with me?

Just press “Help” during business hours, and a live staff member will assist you. Debit card not required.

Can I still use ATM features without a live teller to assist me?

Yes, if you prefer to complete an ATM transaction without the assistance of a live staff member, simply insert your debit card into the machine and follow the steps you would take with a typical ATM machine. During the ATM transaction, if you would like assistance, you have the option of speaking with a live employee during business hours by simply pressing “Help”.

If I am using my debit card, where do I enter my PIN?

Use the machine’s keypad, just like a regular ATM.

Can I still use the ATM function with a card issued by a different financial institution?

Yes. Our teller machines function as an ATM for cards that participate in the following networks:

• Visa
• Plus
• Mastercard
• Cirrus
• MoneyPass
• Accel

Can a non-customer use the ITM to cash a check?

At the moment, the ability to cash a check is only available to existing BAC customers. A non-customer cannot use the ITM for this transaction, and will need to approach a teller in the branch to cash a BAC check.

What currency bills can I deposit?

Although withdrawals are limited, deposits can accept any bill amount: $100s, $50s, $20s, $10s, $5s, $2s, $1s. Coin is not accepted.

Is there a fee to use an ITM?

No, working with a live staff member through an ITM is the same as going to a teller window inside the branch. There are no additional fees.
However, if you are using the machine as an ATM with a debit card issued by another institution, additional fees may apply.

Can I choose the denomination of currency when making a withdrawal?

Yes. Whether you are using the machine as a standard ATM or using the assistance of a live staff member, the lower screen will ask if you have a cash preference. You can choose specific denominations or split the cash however you like. These machines dispense all varieties of U.S. dollars, except $50, $10, and $2 bills.

Why is BAC Community Bank using Interactive Teller Machines?

There are a number of benefits for our customers:

• You’ll likely experience shorter lines, with live personal assistance every step of the way.
• You can complete up to 95% of typical teller transactions — like deposits, withdrawals and transfers — through an ITM.
• The addition of ITMs will allow customers to receive more consultative services in-branch.

What if I have more questions about Interactive Teller Machines?

• Speak with a local staff member at your branch,
• visit, or
• call us at 1-877-226-5820 for further assistance.