Benefits Summary:
Financial institutions can dramatically reduce their staffing requirements and add new selling opportunities -- all in a safer, more secure environment.

FCU has essentially halved its teller staffing requirements.

Erie Schools reduces its staffing requirements by 40%, and during slow times, 67%.

With Diebold's RemoteTeller™ System
(RTS), financial institutions are speeding up teller transactions and finding innovative new ways to market to their customers -- all in a safer, more secure environment.

Florida Credit Union becomes more efficient and secure.
Greater efficiency was the biggest benefit for Florida Credit Union (FCU), in the heart of North Florida, which implemented eight RTS systems at its Gainsville branch. "Compared to a teller line, it creates efficiencies that we were used to seeing only at a drive-through," says Mark Starr, FCU's president and CEO.

During RTS transactions, cameras and monitors allow the member and teller to see each other, and they communicate using a microphone and speaker or a handset. Documents are exchanged through a vacuum tube. By separating tellers from customers, RTS virtually eliminates the threat of robbery.

FCU has eight RTS stations being serviced by four tellers. "When we have full lines," Starr says, "one person can handle two windows, compared to one-to-one with a teller line." The result: FCU has essentially halved its teller staffing requirements.

The RemoteTeller sells, too.
In addition, there are significant sales benefits at the Gainsville branch, which is open 63 hours a week and features neon lights and backlit signs. While members are waiting on line, the credit union runs commercials on the RTS screen to promote its products and services.

"It reinforces our marketing efforts at the teller line," says Starr. "We like our tellers to cross-sell, but if the line is full, tellers unfortunately just don't have time. We think this has been an effective way to get our sales message out."

FCU has also installed Diebold vacuum tubes to its customer service/sales area to aid in opening accounts, CDs and other services that might require a teller transaction to complete. For example, the tubes allow a customer service representative to send an initial deposit on a new account to the RTS teller area for processing while other services are sold.

Erie Schools Employees Federal Credit Union reduces staff requirements.
In Erie, Pennsylvania, Erie Schools Employees Federal Credit Union needed to add new branches, and RTS will be a part of that expansion. In a third branch currently under construction, Erie Schools is installing numerous Diebold products, including three RTS units in the lobby and three VAT 21s with CCTV for the outside drive-up lanes.

A 40%-67% staff requirements reduction.
Tellers will interact with customers via either the drive-up or the RTS system. A total of six member lanes -- three outside, three inside -- will require a maximum of only three tellers.

Norb Kaczmarek, president of Erie Schools, points out, "Normally if I had three teller windows inside, I'd have to have three tellers on the inside and then two tellers servicing the three lanes on the outside." With RTS, however, the required number drops from five to three -- a 40% staff reduction. In addition, the branch will never have to close up teller lanes, and during slow times, a mere two tellers could service all six lanes.

Banking with privacy.
Diebold's RTS will also make transactions more comfortable for customers. "It gives them a little more privacy," says Kaczmarek. "Unlike at a traditional teller window, where they have somebody standing about three feet away, they are in a much more secure area and can use the privacy phone to carry on their conversation with a lot more privacy."

A new marketing opportunity.
While customers wait, the CCTV screens will display advertisements using an on-screen information service from Inlighten. "It will intersperse advertisements for our products and services with national news, weather, sports scores and stock results," explains Kaczmarek. Thus, as members are entertained, the credit union will also have an opportunity to promote its marketing message and solidify its relationship with them.