Abstract: Various aspects are directed to systems and processes for providing instant funds availability notification and/or real-time fraud detection in connection with a check image deposit, such as a check deposit at an image automated teller machine (ATM). The customer may, for instance, receive the notification on an ATM display and/or on a paper receipt printed by the ATM.

Abstract: The system and method of the present invention provides consumers with credit information including information which can help the consumer evaluate the consumer's credit report or credit worthiness. The present invention can also provide consumers with suggestions to help consumers better their credit rating. The system and method of the present invention also provide consumers with pre-approved credit offers from a consumer-selected group of merchants, where the consumers are anonymous to the merchants, and the merchants do not receive copies of the consumer's credit report. Additional functions of the present invention include allowing users to opt-out or opt-into solicitation lists, and enabling users to automatically monitor their credit report. The present invention offers these services through a third party agent of the consumer which can be accessible to the consumer via the Internet.