An automated teller machine, comprising: an upper unit including: a housing having an opening through which documents can pass between the interior and the exterior of the housing; a document receiver proximate the opening for receiving documents to be, in a deposit operation, deposited into or dispensed from the automated teller machine; an escrow cassette disposed within the housing; a document transport system extending within the housing between the opening and the escrow cassette and capable of transporting documents to and from the escrow cassette; and a validator disposed within the housing along a path of the document transport system for identification and categorization of documents; and a lower unit including: a chest; and at least one cassette (201, 202, 203, 204, and 205) disposed in the chest operable to receive documents for replenishment from the escrow cassette or send documents to the escrow cassette for depletion; where the document transport system further extends between the escrow cassette and the chest to transport the documents between the escrow cassette and one or more of the storage cassettes; wherein depletion of documents from the at least one cassette (201, 202, 203, 204, and 205) of the automated teller machine is enabled by upload operation to the escrow cassette and removal of the escrow cassette, and replenishment of documents to the at least one cassette (201, 202, 203, 204, and 205) is enabled by insertion of the escrow cassette and download operation to the at least one cassette (201, 202, 203, 204, and 205); wherein, in the deposit operation, documents are removed from the document receiver, sent through the validator, and temporarily stored in the escrow cassette; wherein the automated teller machine is configured to hold documents in the escrow cassette until receiving a customer input command to deposit the documents. an upper unit including: a housing having an opening through which documents can pass between the interior and the exterior of the housing; a document receiver proximate the opening for receiving documents to be, in a deposit operation, deposited into or dispensed from the automated teller machine; an escrow cassette disposed within the housing; a document transport system extending within the housing between the opening and the escrow cassette and capable of transporting documents to and from the escrow cassette; and a validator disposed within the housing along a path of the document transport system for identification and categorization of documents; and a housing having an opening through which documents can pass between the interior and the exterior of the housing; a document receiver proximate the opening for receiving documents to be, in a deposit operation, deposited into or dispensed from the automated teller machine; an escrow cassette disposed within the housing; a document transport system extending within the housing between the opening and the escrow cassette and capable of transporting documents to and from the escrow cassette; and a validator disposed within the housing along a path of the document transport system for identification and categorization of documents; and a lower unit including: a chest; and at least one cassette (201, 202, 203, 204, and 205) disposed in the chest operable to receive documents for replenishment from the escrow cassette or send documents to the escrow cassette for depletion; where the document transport system further extends between the escrow cassette and the chest to transport the documents between the escrow cassette and one or more of the storage cassettes; wherein depletion of documents from the at least one cassette (201, 202, 203, 204, and 205) of the automated teller machine is enabled by upload operation to the escrow cassette and removal of the escrow cassette, and replenishment of documents to the at least one cassette (201, 202, 203, 204, and 205) is enabled by insertion of the escrow cassette and download operation to the at least one cassette (201, 202, 203, 204, and 205); wherein, in the deposit operation, documents are removed from the document receiver, sent through the validator, and temporarily stored in the escrow cassette; wherein the automated teller machine is configured to hold documents in the escrow cassette until receiving a customer input command to deposit the documents. a chest; and at least one cassette (201, 202, 203, 204, and 205) disposed in the chest operable to receive documents for replenishment from the escrow cassette or send documents to the escrow cassette for depletion; where the document transport system further extends between the escrow cassette and the chest to transport the documents between the escrow cassette and one or more of the storage cassettes; wherein depletion of documents from the at least one cassette (201, 202, 203, 204, and 205) of the automated teller machine is enabled by upload operation to the escrow cassette and removal of the escrow cassette, and replenishment of documents to the at least one cassette (201, 202, 203, 204, and 205) is enabled by insertion of the escrow cassette and download operation to the at least one cassette (201, 202, 203, 204, and 205); wherein, in the deposit operation, documents are removed from the document receiver, sent through the validator, and temporarily stored in the escrow cassette; wherein the automated teller machine is configured to hold documents in the escrow cassette until receiving a customer input command to deposit the documents.