From check cashing to statement printing to postage-stamp vending, automated teller machines have been loaded up in recent years with an ever-increasing array of features.

The question now is whether they are getting too complicated. The reasons for adding functions vary from bank to bank. Some aim to increase the perceived value of electronic banking services in customers' eyes by dispensing more than just cash. Others want to garner more fee income by charging for ATM functions such as churning out account statements.

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