<p>ATM verification is a two person job, or at least it was when I was a teller. One person reconciles, 2nd person verifies, then you add money to the machine. Plus there are cameras everywhere. It’s not easy for a teller to skim from an ATM machine. I’ve verified ATM machine deposits many times and didn’t see an opportunity to skim between the cameras and the 2nd person verification. It can only have gotten better in the years since I was a teller.</p>
<p>Here’s an article about the issue. Financial institutions can charge customers for paper statements, to be able to speak with a teller, or a host of things that many may otherwise take for granted. If you maintain a certain minimum at the institution, these charges can be waived (the fee and minimums vary by institution). Some of our institutions also want to have us keep a minimum in the account, which we do and get access to more waived fee services and discounts for safety deposit boxes and other benefits. These fees have been around for several years now, depending on the institution. Some charge by each visit you have with a teller and some just charge a flat monthly fee if you want access to a teller. Our banks do NOT charge for me to talk with a teller.</p>
<p>[Latest</a> banking fee? Using a (human) teller - TODAY.com](<a href=“http://t.today.com/money/whats-new-banking-fee-would-be-telling-8C11044899]Latest”>Latest banking fee? Using a (human) teller)</p>
<p>When I first joined PNC, I had an account that charged to use a teller. My employer at that time didn’t offer direct deposit and I could either get free checking with no ATM fees, but a fee to use the teller or I could get free checking with no teller fees, but a fee to use the ATM. Since I work during most of the hours the bank is open, I use the ATM almost exclusively. It’s really hard to get to a bank when they’re open. Once I got direct deposit, everything was then free- no teller fees, no ATM fees. Much better deal. </p>
<p>I have never thought about counting the money in front of the camera and, in fact, when I had my issue with the $250 withdrawal, I was really glad the bank was open. I never thought about the fact that the camera would show I never got the money. From now on, I count everything in front of the camera.</p>
<p>The one I use has you put the whole stack of bills in at once and it counts them. Ditto with checks, but with the checks (at Chase anyway), you can request the picture of the check be on your receipt. That is a pretty cool option. I make more deposits at Chase because that’s my daughter’s bank and I’m usually giving her money that way.</p>
<p>You could count the money in front of camera for deposits and show checks and deposit slips to camera before ATM deposits too, I’d imagine. As long as there is no line or a short one, it should be ok.</p>