Branch Teller Transactions — impact tolerance ≤ 4 hours — ITOL

Impact tolerance: ≤ 4 hours — during branch open hours; multi-branch or region-wide outage > 4h is intolerable (illustrative default — trace the derivation, then replace with your own harm analysis)

Definition: In-branch cash withdrawal, deposit, check cashing, and account servicing conducted by tellers.

Why it is designated: Regionals maintain hundreds to thousands of branches. Cash-dependent customers have no alternative during outage. Fair-access considerations under the Community Reinvestment Act (CRA) elevate criticality for underserved markets.