Patent ID: 8249989

Claim:
An apparatus comprising: a processor; and memory storing computer readable instructions that, when executed by the processor, cause the apparatus to: receive a check indicating an amount of funds by an automated teller machine (ATM) associated with a financial institution; receive a request from a user for the amount of funds; determine at the ATM that the ATM does not have one or more denominations of cash to provide an exact match of the requested amount of funds; responsive to determining that the ATM does not have the one or more denominations, request user input approving increasing the requested amount of funds to an amount for which the ATM is able to provide an exact match; responsive to receiving user input approving increasing the requested amount of funds to the amount for which the ATM is able to provide an exact match, increase the amount of funds to the amount for which the ATM is able to provide an exact match; request user input identifying an account from which to debit a difference between the requested amount of funds and the increased amount of funds; determine that the account has a balance greater than the increased amount of funds; and responsive to determining that the account at the financial institution has a balance greater than the increased amount of funds, provide the increased amount of cash and charging a difference between the requested amount and the provided increased amount to the account.