I do think "further automation of the teller" is the most important step to pursue to make ATMs more useful, at least in the US. It's 2010, why can't I transfe

I do think "further automation of the teller" is the most important step to pursue to make ATMs more useful, at least in the US. It's 2010, why can't I transfer money to one of my other accounts instantly using an ATM? Why can't I wire or ACH money to anyone else's account anywhere--why do I have to physically come into the branch, or pay for an expanded array of online business access services to do this? Security concern? Fine, use biometrics or something else clever to deal with it. Why can't I deposit checks and cash 24/7 and have them credited to the account instantly? Handwriting recognition? Why are we still using written checks? Admittedly, many of my problems in terms of limitations of online interfaces stem from using a small regional bank, which outsources different parts of its offering (business vs. personal online access) to different third-party vendors with disparate systems that don't communicate, and where most things (including transfers) can't be done outside normal 9-to-5 business hours. I could probably solve some of these by banking with some of the bigger players, there is still room for improvement in ATMs. The amount of overdraft & late fees I pay because I can't move money to the right account at the right time, as the owner of a very small business with a very high cash velocity and low transaction volume, is staggering. It would be nice to be able to do most of the things I need to physically hoof my way to a branch for on an ATM, and I'm sure the banks would be delighted in reduced personnel costs too.