Abstract: An apparatus and method of performing financial business transactions is disclosed. The apparatus includes a Point-of-Service (POS) terminal for providing Automated Teller Machine (ATM) functions; a motorized card terminal for providing KIOSK functions; and at least one biometric device for authenticating the KIOSK functions. The apparatus can further include a LCD touch screen for providing both digital advertising for vendors and instructional information for the ATM functions. The LDC screen also allows a user to complete the KIOSK functions. The at least one biometric device is a palm vein scanner and a fingerprint scanner.