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More Access, Same Footprint: The Power of Drive-Thru ITMs

Feb 17, 2026Strategy

A large share of today’s ITM usage is happening in the drive-thru—and that tells us something important. Members want quick and easy, with the option to talk to a real person when they need one. That’s why drive-thru ITMs are quietly becoming a real growth lever for institutions.

The drive-thru is already your highest-intent lane

Members who use the drive-thru aren’t there to browse. They’re there because they’re busy. They’re on the way to work, grabbing kids from school, running errands, or squeezing banking into a tight schedule.

So when you upgrade a lane with an ITM, you’re not just “adding a machine.” You’re improving an experience your members already use.

Extend service hours without extending your overhead

Putting an ITM in the drive-thru is one of the simplest ways to extend access without keeping the whole branch open. It lets you offer early-morning and after-work service through a mix of self-service transactions and on-demand video teller support.

In other words: more ways to serve members, without stretching payroll—and more flexibility in how (and where) you deploy your best people.


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Better staffing and better conversations

When ITMs handle the routine transactions, they free your team up to do what matters most: help members make decisions, solve problems, and feel taken care of.

The ITM doesn’t replace your people. Done right, it protects their time for the conversations that actually drive growth—more deposits, more loans, and stronger loyalty.

More value from what you already have

Most institutions don’t need “more branches.” They need more performance per square foot. A drive-thru ITM is a practical way to expand service hours, improve staffing efficiency, increase convenience, and get more back from what you already have.