Would an ACH transfer initiated in person with a banker meet the definition of an EFT under 1005.3?

A transfer sent via ACH is a covered transaction. Who it originates from is not the issue. This is consumer protection and when the depositor makes a claim, it doesn't matter if they're a banker or teacher or whatever so long as it's a consumer account. So based on the limited info in the question, you must assume it is covered.