How the teller processes the transfer is not relevant. In either case your customer called and spoke to a person so they did not initiate a transfer though electronic means.
1005.3(c) Exclusions from coverage. The term “electronic fund transfer” does not include:
(6) Telephone-initiated transfers. Any transfer of funds that:
(i) Is initiated by a telephone communication between a consumer and a financial institution making the transfer; and
(ii) Does not take place under a telephone bill-payment or other written plan in which periodic or recurring transfers are contemplated.
Sola Gratia, Sola Fides, Sola Scriptura, Solus Christus, Soli Deo Gloria!www.tcaregs.com