Judith Robichaud

North Fork Bank and NCR are rolling out ATMs in NYC that allow end-to-end image transfer of check deposits without requiring an envelope. Think about all of the times you put a check in a deposit envelope but forget the exact amount of the deposit as you key in the amount on screen! Was it $403.39 cents or $403.93 cents? Then you have to gingerly open the envelope to peek inside then reseal before your time is up. This has happened to me countless number of times to the point where I now write the amount on an inconspicuous area on the envelope prior to sealing. Not only is this a boon to the forgetful, it also saves a few trees and the frustration encountered when no envelopes are available.

Spurred by the processing advances allowed by the Check 21 legislation, intelligent “No Envelope” Deposit technology enables checks to be inserted directly into the ATM. This gives the customer an on-screen image of the check for immediate verification, and a printed image of all checks will also appear on the customer’s ATM receipt. Deposited cash can be immediately credited to the customer’s account and is tallied and listed on the receipt by denomination as proof-of-deposit.