Seen At 11: ATMs Of The Future To Offer Array Of Services

NEW YORK (CBSNewYork) -- Big changes may be coming to a bank near you.

As CBS 2's Maurice DuBois reported Thursday, ATM upgrades will allow you to do everything from apply for a loan, to planning your retirement.

When Bill Dietzler goes to his local ATM, he can do a whole lot more than just make a deposit or withdrawal.

"I found it to be fascinating. You get more done, and it's just, it's simpler," Dietzler said.

Simpler because if he has a question, he doesn't have to go see the teller inside the bank. He can actually video-conference with a banking expert who can address all sorts of questions about transactions right at the ATM, even after-hours.

"Now that expert - whether that be a loan consultant or a financial planning consultant - that person can be available across a wide, disperse geography," explained Frank Natoli, chief innovation officer at Diebold, Inc.

The feature is just one innovation coming to an ATM near you, DuBois reported.

"When you think of an ATM, maybe you think something from like, the 90's. That sort of experience is something people don't want anymore, because it seems stale," said Mary Wisniewski, of American Banker.

Now, banks are branching out and offering a wide variety of tech tools, including ATMs with touch screens that can sync up with your smartphone, and apps that can get you cash in a snap.

The idea is "to be able to take your mobile phone and to pre-stage a transaction on mobile, and then be able to go up to the ATM and very, very quickly finish that transaction," Natoli explained.

Banks are also installing tools at ATMs that will enable customers to pay bills, send money to friends, and increase your ATM withdrawal limit.

"You can start to use that now for bill pay. You can start to use it for peer-to-peer transfers, and any number of things," Natoli said.

So does all of this new technology mean the end to the traditional teller?

Experts said tellers are not going anywhere anytime soon. There are some transactions you still need to complete face-to-face inside a bank.

"It's really shifting the job of a teller, not eliminating it because they're still there for customers with questions about their needs and can refer products and services as well," said Susan Doyle, North Shore Bank's Vice President of Bank Operations.

You can also forget the traditional 20 and 50 dollar bills. Banks are starting to load ATMs with one, five and 10 dollar bills, another change that might help you avoid standing in line for a teller.

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