Personal Teller Machines (PTMs)

  • Open M - F from 7 am to 7 pm and Saturday from 9 am to 2 pm
  • Live Financial Solution Specialist to serve you
  • Drive-up transactions
  • Available at our Main, Express, Broadway and Twin Falls locations

Pioneer Federal Credit Union is the first financial institution in Idaho to introduce the Personal Teller Machine (PTM). The implementation of PTMs allows our tellers to serve our members with more efficiency, completing transactions through a live video feed. This has given us the ability to offer extended hours to serve our members.

Using a PTM is easy! Simply touch the screen to begin and let our Video Financial Solution Specialists take care of the rest!

Below are some frequently asked questions about our PTMs.

What is a Personal Teller Machine?

A Personal Teller Machine offers an entirely new banking experience. A PTM looks like an ATM, the difference is that you have a real time, face-to-face conversation with a Pioneer FCU Financial Solutions Specialist at the machine. Two way video feed allows a private conversation with a Pioneer Financial Solutions Specialist. You have the ability to conduct the same transactions you would with any Financial Solutions Specialist at our other branches.

Can I make a deposit to another member's account via Personal Teller Machines?

Yes! Anyone can make a deposit into a PFCU member's account through a PTM. Secure account information (such as the account balance) will not be shared with anyone other than the account holder.

Can I make a loan payment through the PTM?

Yes! Our employees can take loan payments through the machine.

Can I make a loan payment with a card from another financial institution through the PTM?

Yes, it is possible to make a payment with a credit or debit card from another financial institution. However, there is a fee for this transaction. We suggest withdrawing cash using the ATM function and making a cash payment.

Can non-PFCU members complete shared branching transactions through PTMs?

At this time, we are unable to complete transactions for those who are not members of Pioneer Federal Credit Union. We are working to make this available, and we'll update you when that time comes.

Can the PTMs handle coin transactions?

Unfortunately, coins cannot be moved through the PTMs. For coin transactions, please use the coin machine or see an employee inside the branch.

How do I begin the transaction?

If you are using the Personal Teller Machine for ATM functions, simply insert your card into the green slot on the right side of the machine. If you would like to speak to an employee, touch the screen to begin your transaction.

How is a Personal Teller Machine different from an ATM?

With a Personal Teller Machine you will be able to interact face-to-face, live with a PFCU employee, not a machine. The PFCU employee can guide you through every step of your transaction and answer questions about your accounts.

Why did PFCU implement Personal Teller Machines?

PFCU introduced PTMs in order to offer "WOW" service for extended hours at each of our PTM locations. No matter which PTM members use, they will be helped by the same smiling, fun team members, just like visitng in your favorite branch!

What can I do at a Personal Teller Machine?

Just about every transaction you can do with a Financial Solution Specialist inside our branches can be done at a Personal Teller Machine.

  • Make a deposit
  • Make a withdrawal
  • Transfer funds
  • Cash checks
  • Make loan payments
  • and more!

Are there any transactions that can only be done in a branch?

Our Personal Teller Machines cannot give paper statements, cashier's checks, or handle loose change. Any of our Financial Solutions Specialists in the branches will be happy to assist you with these transactions.

Outside of the PTM hours, can I use the machine as an ATM?

Yes, all PTM machines have ATM capabilities 24/7. Just insert your Pioneer debit or credit card to get started. Please note that the machines currently do not take deposits in ATM mode. We are working to make this available and will let you know when it happens.

What if there is an issue with a PTM transaction outside normal business hours?

If there is an issue with your transaction with a personal teller and the branch is closed, please let the teller know and we will follow procedures for fixing the issue. If you are using the machine as an ATM and an error occurs, please visit the branch the next business day to find a resolution. You may also email us at and we will follow up with you the next business day.

Is there a fee to use a Personal Teller Machine?

No, absolutely not! Using a Personal Teller Machine is the same as going inside one of our branches. We look forward to seeing you each time you visit and we don't think there should be fees for that.

Is my conversation with a Personal Teller Machine private?

Yes, you and the Personal Teller can see and hear each other using a video camera with a built in speaker. Your conversation is just as private as if you were talking to a teller in the branch.

Can people who are hearing impaired use Personal Teller Machines?

Our members who are hearing impaired can use the touch screen keyboard to type in their desired transaction. Just look for the gray keyboard button in the lower, center of the screen.

Are the Personal Tellers PFCU employees?

Yes. All Personal Tellers are PFCU employees working in our Member Service Center in Mountain Home, ID.

Are PTMs taking other employees' jobs?

Because our network of Personal Teller Machines is growing, our PTM team is growing as well. The PTM employees are all in one location. This has freed up additional employees inside the branches to provide more "WOW" service to our members, which has helped lower wait time and provide faster service.

Can I select the denomination of bills I withdraw?

Yes! Unlike an ATM, the Video Financial Solution Specialists can give you money in increments of $1, $5, $20 and $100 bills. If you use the PTM as an ATM, the money given will provide the least amount of bills possible. For example, if you request $100 through an ATM transaction using your debit card, it will give you a $100 bill.

Is there a delay in transactions posting in my account when I use a Personal Teller Machine?

No, your account will be updated in real time just as it would inside the branch. If you are unsure about the availability of your funds, just ask your Personal Teller during the transaction. Also, be sure to load the Pioneer mobile app to check your account status anytime you need it! Click here to find out more.

Where do I put my debit card or ID when requested?

To show your debit card or ID to the teller you are working with, simply place your card face down on the glass with the black, plastic casing located to the left of the keypad. If you are using the machine as an ATM, insert your card in the green slot on the right side of the machine.

Will my vehicle fit in the drive-up?

Most mid-size trucks and SUVs will fit in the PTM drive-up. If you have a larger pickup truck or SUV, we recommend pulling in the driver's side mirror and pulling as close to the PTM as possible to avoid hitting the back of your mirror on either side of your vehicle.

Want more information about PTMs?

If you have additional questions about this exciting new service, please call (208) 587-3304 or ask your PFCU Representative. It's just one way Pioneer FCU is helping you move your money forward.