Customers planted in teller lines waiting to cash checks because they mistrust ATMs that don't offer proof their checks were received may be lured out of line by new check-cashing ATMs. New Jersey-based Summit Bank retrofitted

29 of its terminals to be check-cashing sites; the machines now accept checks without an envelope, use character recognition to read the courtesy amount, display an image of the check on the screen and soon will print an image of the deposited check on the customer's receipt. "We want to provide service 24 by 7," says George Nichols, svp of electronic banking at Summit. "We want customers to do as much of their banking as self- service as possible."

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