Abstract: A method for making a payment includes the steps of determining a payment amount due from a payor to a payee, identifying the payee when the payee enters identifying information at an automated payment station, verifying an amount of a payment due to the payee, and receiving at the payment station an election by the payee to receive a check or cash as the payment. If the payee selects a check, a check is printed for the payee at the payment station, whereas if the payee selects cash, cash is dispensed to the payee at the payment station. The payment station may be a kiosk similar in appearance to an ATM machine, but with the capability to both print checks and dispense cash in response to a user election.

Abstract: A method for customer enrollment at an automated terminal such as an ATM includes, as consecutive steps, receiving input of an identifier from a prospective customer at the terminal, using the identifier to query a database containing consumer credit information, if the identifier is associated with a unique record in the database then retrieving items of information associated with the identifier from the database, posing one or more questions using the information from the database as the answers to the questions, receiving from an input device of the automated terminal a response to each question from the customer, determining if each response given by the customer matches the answers from the information from the database, and if a predetermined minimum number of matching answers are given, approving the customer for a transaction (such as cashing a check) to be conducted at the automated terminal.