Patent ID: 7789295

Claim:
A method comprising: (a) receiving from an account holder through at least one consumer interface device in operative communication with at least one financial account computer, data identifying a check on an account of the account holder and a check amount associated with the check; (b) determining through operation of the at least one financial account computer that the check can be validly drawn on the account in the check amount; (c) responsive to the determination in (b), providing certification data to the account holder through the at least one consumer interface device, responsive to operation of the at least one financial account computer; (d) responsive to operation of the at least one financial account computer, storing data corresponding to the check, the check amount and the certification data in at least one data store in operative connection with the at least one financial account computer; (e) subsequent to steps (a)-(d), receiving with an automated banking machine remotely disposed from the at least one financial account computer, the check and at least one machine user input corresponding to the certification data from a machine user during a transaction not requiring machine user identifying data; (f) communicating data between the automated banking machine and the at least one financial account computer; (g) determining through operation of at least one of the automated banking machine and the at least one financial account computer, that data corresponding to the check and the certification data received by the automated banking machine in step (e), correspond to data stored in the at least one data store; and (h) responsive to the determination in (g) operating at least one cash dispenser of the automated banking machine to dispense cash to the machine user, wherein the dispensed cash has a value corresponding to the check amount.