http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/ Engadget Comments for http://www.engadget.com/media/feedlogo.gif http://www.engadget.com en-us Copyright 2012 Weblogs, Inc. The contents of this feed are available for non-commercial use only. Blogsmith http://www.blogsmith.com/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/Jul 19th 2007 9:23AMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/Jul 19th 2007 11:07AMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/Jul 19th 2007 12:17PMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/Jul 19th 2007 12:41PMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/Jul 19th 2007 9:24AMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/Jul 19th 2007 1:18PMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.bankofamerica.com/promos/jump/imageatm/?adlink=000302072g540000c197
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I'd get out of work late Friday nights and that would be my first stop on the way home so that my money was available ASAP. It would just scan my paycheck and try to figure out how much it was - and allowed you to make corrections if it couldn't read it correctly (which was helpful when depositing personal checks with crappy handwriting).

I've since moved and changed banks and really miss those couple ATMs that would actually do it. Though the best part about those ATMs was that it would cash the checks too - so they dispensed all bills and change. You could withdraw $6.47 if you wanted to.]]>Jul 19th 2007 10:00AMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/My bank, Bank of America has had those ATMs for over a year in the DC area.
infact any BOM I have been to in DC, MD, VA and PA have had them. and it is totaly comen place. every one has been using them with ease. when it scans your check, it shows you the image of it on the screen and then asks you if it guessed the amount corectly.]]>Jul 19th 2007 9:36AMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/
Now I use USAA... 100x better. I can deposit checks by scanning the image at home, or I can mail them with prepaid envelopes, again without leaving my home.]]>Jul 19th 2007 9:34AMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/Jul 19th 2007 10:00AMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/Jul 19th 2007 10:24AMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/Jul 19th 2007 1:32PMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/
Good question. I suppose that since USAA is not open to the public-at-large for membership, they probably consider check fraud a lower risk than most other financial institutions that will give someone an account as long as they have a face.

Point being, with USAA, it would be more difficult to create an account under a false identity, deposit a falsified check, and transfer the funds. Buuuut... gettin' off topic.]]>Jul 19th 2007 12:56PMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/Jul 19th 2007 9:34AMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/Jul 19th 2007 9:37AMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/
]]>Jul 19th 2007 9:38AMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/Jul 19th 2007 7:08PMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/Jul 19th 2007 10:09AMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/Jul 19th 2007 10:21AMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/Jul 19th 2007 9:41AMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/Jul 19th 2007 9:43AMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/Jul 19th 2007 1:34PMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/Jul 19th 2007 9:45AMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/Jul 19th 2007 9:43AMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/Jul 19th 2007 6:28PMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/Jul 19th 2007 10:00AMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/
All-in-all I don't notice them, but there is one thing they COMPLETELY SUCK for: rebate checks!

I hardly EVER have cash or checks to deposit (I'm a 21st Century consumer). About the only checks I handle are rebate checks. These ATMs are VERY sensitive to the width of the check. If its not a standard size (ie, personal check, cashier's check, or business check), then the machine just spits it out repeatedly. With a few of those new "postcard checks" that some rebate fulfillers are using (no envelope, just an addressed cardboard check in your mailbox), I've had to ditch the ATM altogether and go stand in line to rant at a cashier.

Come to think of it, that's pretty much how 50% of my deposit scenarios have ended in the last year.

So I take it back. I hate these f-ing things.]]>Jul 19th 2007 9:56AMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/Jul 19th 2007 10:16AMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/Jul 19th 2007 10:20AMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/
Top issues:

1. Dropping off checks is SLOW - you must wait for a scanner to create an image of the check and then confirm the amount on the check. This easily adds 10 seconds to the transaction.

2. Dropping off multiple checks is excruciatingly slow as you must do step one repeatedly. What used to take 5-10 seconds total, now takes about 40-50 seconds with 2 checks. Bump to over a minute for 3, etc. This ONLY saves time for the bank (they needn't physically process the checks later, removing them from envelopes, etc) - it increases the amount of time one spends at the ATM with no benefit for the end-user.

3. Crappy capacitive touchscreens. What f^cking genius decided to to do away with the buttons and go for capacitive touchscreens? I can understand resistive, but capacitive requires users to physically press their fingertip (nails, pens, etc won't work with capacitive screens) against the screen. Give me back the old fashioned buttons along the side of the screen.

4. Systems are massive - which seems fine until you use one from a car. Then you see that you must use the keyboard and the screen that's mounted much higher. Can't imagine how the disabled will appreciate this horrid design.

I sincerely hope these new systems fail.]]>Jul 19th 2007 10:21AMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/
Cash you can put in as much as will fit in the six inch high or so box, then it closes and counts it.

The BOFA here (I bank with them too) doesn’t have it yet; so when I went to make a deposit over the weekend I wasn’t able to because I didn’t have an envelope and they didn’t either.
]]>Jul 19th 2007 10:26AMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/Jul 19th 2007 10:26AMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/Jul 19th 2007 10:26AMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/
Once again, America is "upgrading" to out-of-date technology. EDGE anyone?]]>Jul 19th 2007 10:50AMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/Jul 19th 2007 10:52AMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/Jul 19th 2007 11:04AMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/Jul 19th 2007 11:08AMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/Jul 19th 2007 1:02PMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/Jul 19th 2007 1:10PMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/Jul 19th 2007 5:01PMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/Jul 19th 2007 11:14AMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/Jul 19th 2007 11:15AMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/
]]>Jul 19th 2007 11:22AMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/ROFTL!!!!!!
Here in Portugal, probably on of the most advanced countries in terms of ATM, we have this machines for years!!! At least 5 years. I only have to pop my check into the ATM and the machine will display on the monitor the same check.]]>Jul 19th 2007 11:46AMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/Jul 20th 2007 11:33AMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/We use them in Portugal for ages... The money you deposit gets counted and instantly availably in your account...]]>Jul 19th 2007 7:40PMhttp://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/http://www.engadget.com/2007/07/19/envelope-free-atms-popping-up-soon/
Or are there both types of machines at various locations, and somehow I always manage to get an envelope machine?]]>Jul 19th 2007 12:30PM