The ATM Processing System delivers automated banking services to financial institution customers. Full integration with the ITI Premier system allows direct access to demand deposit and savings account balances for transaction authorization. DDA and savings balances are also available for inquiry and memoposting, including transfers between accounts.

On-Line Security Control

Security control is incorporated into ATM specifications. A log records changes made to the specifications and the individuals responsible.

ATM Services Defined By Institution

Every institution has a unique set of parameters defining automated teller services, including daily withdrawal limits for cash, credit card, and point-of-sale. In addition, one of five balance types is available for withdrawal and inquiry purposes.

Withdrawal Privileges

Withdrawal limits can be set at the institution or customer level. An institution can differentiate between "old" and "new" accounts for withdrawal privileges. Daily withdrawal limits are based on one of five balance types:

• Memo Available Balance + DDA Loan Credit Limit
• Memo Available Balance + DDA Loan Credit Limit + Client-Defined Margin
• Memo Ledger Balance
• Memo Ledger Balance + DDA Loan Credit Limit

Service Charges

ATM activity charges are computed automatically and passed to the Premier system for posting to customer accounts. Individual charges can be consolidated by day for all transaction activity and debited once as a client-defined "ATM Service Charge Description". Alternatively, charges can be posted individually per transaction to provide customers with more detail.