The one time phone call to a teller is not covered EFT under Reg E.
1005.3(c)(6)(i) Exclusions from coverage. The term “electronic fund transfer” does not include:
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.
However, note item (ii). Are your tellers automatically performing the transfers based on a written agreement each month without the customer calling in? If so, those would be covered EFTs and require a written authorization.