Maybe I'm wrong here, but I don't see this being an EFT. You used the debit card to identify the transaction, which was a teller transaction, the transaction itself was not an EFT. The term Electronic Funds Transfer is defined:
b) Electronic fund transfer. (1) Definition. The term “electronic fund transfer†means any transfer of funds that is initiated through an electronic terminal, telephone, computer, or magnetic tape for the purpose of ordering, instructing, or authorizing a financial institution to debit or credit a consumer's account. The term includes, but is not limited to:
(i) Point-of-sale transfers;
(ii) Automated teller machine transfers;
(iii) Direct deposits or withdrawals of funds;
(iv) Transfers initiated by telephone; and
(v) Transfers resulting from debit card transactions, whether or not initiated through an electronic terminal.
I don't see using a debit card as ID for a branch employee transaction would be covered.
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