Once you make a deposit through an envelope-free automated teller machine, you never want to go back to filling out deposit slips and stuffing cash and checks into an envelope. It just takes so much time.

Convenience is one reason why so-called "intelligent" ATMs are a huge hit with consumers and business owners. JPMorgan Chase & Co. operates thousands of the machines and, Brad Nolan, its senior vice president of ATM and cash operations, says that deposits at the new ATMs increased an average of 75 percent in their first 12 months of use.

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