We are going to be replacing all of our ATM machines with ITMs within the year. I'm trying to get straight in my head, which transactions will be considered EFT and which will not. If the customer scans their debit card to initiate a transaction, then would that be considered an EFT? What if they scan their debit card and then they request the help of a virtual teller? Would it be an EFT? If the customer simply walks up to an ITM and immediately requests a virtual teller and scans an ID, I would assume that would not be considered an EFT, even though the transaction is being completed at a terminal? I'm starting to really confuse myself and any guidance would be appreciated!
Thanks so much.