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TRUITY CREDIT UNION · One on One With a Professional

• 0:12
  Good morning, good morning, good morning, and welcome, welcome, welcome.
• 0:15
  It is the time now for what I want with the pros. It's
• 0:17
  actually two on one today because I'm being double deemed, but it's okay because
• 0:21
  we're among friends. Truity Credit Union is in the house today. We have
• 0:25
  Erican Chance here with us. How you doing, gentlemen, doing well?
• 0:29
  Well. I understand that I'm going to be in for a little bit of
• 0:33
  a lesson. You know, I have kids and I have grandkids, and
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  they're all about that tech thing. Okay, okay, now this one.
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  I know they don't know this. Now we all know what an ATM is,
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  right, automatic teller. I'm going to pose this question here, gentlemen,
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  what is an IM well, an IM or an interactive teller machine.
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  It really represents the future of banking. So you can always access it as
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  a standard ATM, which you're used to now, but it offers a lot
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  more personal and complex types of transactions that you can do through these machines,
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  as well as offers one on one personal service where you can speak with an
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  interactive teller machine specialist and you can speak with them one on one live,
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  so you're actually talking to a teller. This is not you know, just
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  a right so like a voice, a lot of voice going thank you very
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  very much for your deposit. Yes, so No, you'll be able to
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  interact with a Interactive Teller specialist face to face through video and they'll be able
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  to answer questions and guide you through any of your transactions or questions you might
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  have while using that IM, all from the convenience of your vehicle. And
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  then for our non members, it'll still be available to function as a standard
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  atm Well, hot Dog membership has its benefits exactly. I like this.
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  I like this. So where can we find these? I the Interactive Teller
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  Machine. So our first IM is going to be available at our Washington South
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  location here in Bartowsville, in the south end of Bartosville. You'll be able
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  to access it like I said, twenty four to seven and use our self
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  service options, but you can also speak with our live representative Monday through Friday
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  from eight am to seven pm, as well as on Saturdays, you'll be
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  able to talk to them from nine am to one pm, and you can
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  access like I said, you can use it self service at any point throughout
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  the day. Okay, Eric, my question is for you because this always
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  comes up whenever you got something new, you got something technological. How private
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  is my conversation? So it's going to be very private. It's you know,
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  as Chance said, you're going to talk to an agent through two way
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  video. This is going to be really no different than if you were to
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  walk to the teller line, or if you were in our drive through working
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  with a teller, or even just an ATM. It's got a very similar
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  feel to an ATM. You're right in that area with that ATM, so
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  it's a close proximity. So it is just like having a conversation with a
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  teller viewer to walk into one of our branches. Okay, what about my
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  transactions? We're talking about electronics now, you know everybody gets a little nervous,
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  but how secure is secure? So you're absolutely secure through these itms.
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  Your transactions are processed the exact same way as you would go into a teller
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  line in a lobby or or one of our drive throughs. And for security
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  purposes, we always document and record our transactions. Okay, yeah, I
• 3:29
  got one here for you. I got one here for you. Can you
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  read for this sary? What happens when I cashould check, or make a
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  deposit at an ITM. Can I even do that? First of all?
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  Yes, And that's that's the nice thing about this is so typically our ATMs,
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  right now, you go in, you get cash out. With the
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  it TM, you can do that, but you can do a little bit
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  more. So you're going to access that IM through your debit card and pin
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  and then you say, hey, I want to make a deposit, whether
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  that be cash or check. If it's cash, there's going to be a
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  cash slot. You're going to put your cash in. The itm's going to
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  take that in, it's going to verify those bills, it's going to count
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  those bills. Then it's going to display what it counted on those bills for
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  you. It'll show all that before you continue. You say okay, and
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  then you decide if you're making a deposit, if you need any cash back,
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  if you're making a loan payment, a transfer, and the same thing
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  with a check. There's a separate check slot, and on this specific ITM,
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  you can put fifty checks in at one time. It'll take them in
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  and what's really cool about it is it will actually show you the image of
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  those checks on the screen. The front and back to verify everything's good and
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  what the ITM is picking up and reading and if you had to make any
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  adjustments or needed to talk to a specialist, you know, say there is
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  an issue, you could ask for help, get a specialist. They could
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  review that at that time with you. And then once everything's good, you
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  go about your transaction. You know, if you're cashing that check, depositing
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  it, making payments, and then at the end you're going to get a
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  receipt. The really cool thing on your receipt with the checks is it's going
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  to give you small image of your check print it on that receipt for verification
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  that you took that check to that im made a deposit or a payment shut
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  the front door. That is something else that is just absolutely blowing my mind
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  here. That is just cool. Yeah, that is just so cool.
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  So chance is there any delay when I use these machines? You know,
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  do you have to like, you know, wait like a couple of minutes
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  for everything to catch up or how close is this with real time? So
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  it's gonna be completely real time, no delay at all. It's gonna be
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  exactly kind of what you're used to talking to a teller in a lot of
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  error drive through. You know it'll be your transactions will go through instantly.
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  You'll be able to see them on your app just like you normally can.
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  If you're ever unsure or concerned about the availability of your money though, like
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  Eric said, you can always just chime into one of our interactive tellers and
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  they can give you any information that you may want on that. This is
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  like the perfect hybrid human in machine kind of a match made in Credit Union
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  Heaven is right. So why are we going with this type of technology here
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  in little Low Bartlesviille. This is a great question. So Churity is committed
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  to, you know, using technology to benefit our members and make that experience
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  you know, better for them in any way that we can. It's very
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  similar to you know our online banking, our mobile banking, our bill pay,
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  our remote deposit, capture with checks. It falls right in that same
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  vein there with all of that, and so this is just a way we
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  can expand our services to our members, reach out to maybe some underserved areas
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  and if we ever expand and again, you know, this is just another
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  way that makes it a little easier and you can do business right from your
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  car if need be. And then as we had said before that you know,
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  even if it's later in the hours, you have the ability to still
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  use it as an ATM. So we're not getting rid of anything. We're
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  just adding a little bit more for our members' benefits. Well, you know,
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  I just kind of got caught up with a thing called an app.
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  Yeah, you know, so you know I'm not totally in the dust here,
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  no, but but that was a cool thing. And then, uh,
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  you know online banking. I've been doing a little bit of that,
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  that bill pay thing. Oh, thank you you saved You saved my Friday
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  night. Yeah, I mean I could actually you know, see what my
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  family looks like. Yeah, instead of going ah being the study, I'll
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  be writing checks from here to Hialia. But that that really makes thing.
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  The combination makes things really really And now you've taken another step earlier. Now
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  we can connect. But are there like the hours. It's not like twenty
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  four to seven, is it. So the the im will be twenty four
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  to seven as far as if you want to use it for there's a self
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  service functionality of that, so you'll have that. But the agents do have
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  certain hours that they're there yeah, available to you and then chance you know
• 8:01
  those hours. Yeah, so the hours that you'll be able to actually call
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  in and talk to a representative is going to be Monday through Friday from eight
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  am to seven pm, which is extended from our regular business hours as they
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  are right now, and then of course Saturdays from nine am to one pms.
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  There you go. So, yeah, you kind of have twenty four
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  access to use it. But if you're needing you know, an agent,
• 8:24
  then they're there during those hours. So that's fine, that's fine. Got
• 8:28
  to sleep right. Yeah, Now, all the live representatives of Truity Credit
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  Union, they're all employees. We're not like farming people out in Indiana saying
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  you know, hey Bill, you got it this week. These are people
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  right here at home. Yeah. Absolutely, all of our ITM specialists are
• 8:48
  Truity Credit Union employees located right here in bartiswea Oklahoma, So it's we're not
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  we're not outsourcing jobs at all. So this is great. This is all
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  homegrown and this is a technology that's right here in our own backyard, the
• 9:01
  front yard, and we can use it. And being a member for says
• 9:09
  the benefit where you can use the live functionality, Yes, and it's really
• 9:11
  not that hard to become a member of the Credit Union, is there.
• 9:15
  No, No, it's very simple. I mean, if you ever have
• 9:18
  questions about becoming a member of the great just come in and see one of
• 9:20
  our consultants. I mean, I always tell people we can find a way
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  to make you a member. Oh, you know, and then, like
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  you said, there are those benefits of being a member. So I got
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  to ask you Chance, how fun is it to be a part of this
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  technology team. Oh, it's been great, a really great learning experience and
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  just being able to be in from the ground floor on such a big part
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  of the future of retail banking as a whole. It's really exciting and I'm
• 9:45
  really looking forward to the future of what this is going to look like as
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  we grow. No, Eric, you know, you've been in the in
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  the banking bus a little bit, but you've seen just a lot of evolution.
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  Yeah, and every time something new comes up, well that that can
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  be just about a every week now, it seems like, Yeah, it
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  does seem like that. I remember thinking back when I first started. The
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  things that were new now are old, and some of those things are being
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  phased out, and you know, we want to stay you know, up
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  with technology and cutting edge for our members. So you know, like you
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  said, it seems like overnight things change and we have to stay on board
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  with that and you know, give the best experience we can for our members.
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  But you know, one thing that remains the same, and we mentioned
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  it here a little bit ago, even though we're using this brand new,
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  cutting edge technology, the people behind it are the people right here in your
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  community. Yes, sure, so you know you don't have to worry that
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  you know this that you're probably going to recognize. That person on the screen
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  is somebody you've seen it your kid's ball game or school functions, absolutely,
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  or maybe when you're out to having dinner or something like that. These are
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  folks right here in our neighborhoods. And these are the people who eat,
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  work, play with you, and everything else like that. You're not dealing
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  with strangers. You're basically dealing with family and friends. Yeah. And in
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  this project, with you know, getting this rolling and all the testing we've
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  done, there's been a lot of people at the Credit Union has there hands
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  in it, worked really hard towards this. So yeah, there's a lot
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  of people who have a connection to this at the credit union, and like
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  you said, you might see some of those agents out and about. Well,
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  this is really tremendous and to think that this is happening right here in
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  Bartlesville is really kind of a cool plus. And you know, I'm not
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  aware of any other financial institutions who are using it right now presently, but
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  this really seems like it's a home run, we hope, So you know,
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  we kind of notice. Yeah, it's kind of been Yeah, nothing
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  goes out the front door in Truity without testing. No, absolutely, Yeah,
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  and that's a great thing too, because it's a reassuring It gives a
• 11:50
  folks a lot of confidence, and it also kind of gives you the wow
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  factor too. You know, I'm confident and wowed at the same time.
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  How often does that happen in the world today? It can be rare,
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  that's for sure. So we're going to start this off with the one on
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  Washington, the one that got just got the new facelift. Yes, so
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  we're going to start that there and we'll see it pop up perhaps maybe a
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  little bit later on in other places. But yes, if you're a member,
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  make sure you kind of get yourself tuned in on this ask about it,
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  check it out online, and maybe you can pick up a phone.
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  You know, something I found out about truing telephone still works. Yeah,
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  and someone will guide you through this and you can really enhance your experience.
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  And really, when you think about it, when it's banking, it's a
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  it's a necessity. You're taking care of your financial matters is a it's a
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  necessity. But no one said that it had to be boring. I'm not
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  saying go there and have a Disneyland experience, folks. I'm just saying that'll
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  take some of the boredom out there, and you've got an actual human being
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  along with all this cool technology wrapped around it. Yeah, and some time,
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  yeah, it is, it goes faster. Yeah, you know.
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  I remember the first time I looked at a ATM. I looked at it
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  for a long time, and I had to walk away because I wasn't so
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  sure I knew how to work it, and I wasn't too sure that I
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  really wanted to be punching a bunch of numbers hoping that money would come out
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  right, or maybe leaving some information behind so that somebody else can take the
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  hey heyday. And then I think with this too is if you have questions
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  like that, you can simply just call an agent and ask how do I
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  use this? And they can walk you right through it. They see the
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  screens you're seeing, you know, tell you what do you need to click?
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  What to do next. So it's kind of got built in instructions.
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  I'm really liking it. I'm really liking and gentlemen, I know you probably
• 13:54
  had a ball putting this together here today, this presentation for us, and
• 13:58
  we really appreciate you dropping by now Trudy Credit Union. Don't forget the big
• 14:01
  building downtown. You got beautiful artwork in there. That mural goes on forever.
• 14:07
  The other day, yeah it does. Yeah, and then of course
• 14:09
  you know the new facelift with one down south now with the new I M
• 14:16
  so go ahead and check it out. So whatever you need for your credit
• 14:22
  union needs, whether it is savings checking, you can even do. You
• 14:26
  guys do great loans, by the way, we like to think so I
• 14:31
  know so because I got the best deal on a car loan I've ever had
• 14:33
  in my life. Awesome Truity credit Union and just about anything that involves money,
• 14:39
  you guys and gals can take care of it. Yep. Absolutely,
• 14:43
  Trudy Credit Union. Go to Trudy SEU dot org and check out everything that
• 14:48
  they've got there and also find out any kind of information that you want and
• 14:52
  to even have the telephone number popped up on there too so you can make
• 14:56
  call. Gentlemen, thank you for being Thank you, thanks for listening to
• 15:01
  one on one of the professional a paid presentation in fourteen hundred K one