One of the most pervasive experiences for consumers at the ATM involves learning about other bank services while waiting for the money. If you have a child, chances are you'll see an ad about the bank's new college fund account.
"You can think of it as a very useful ad, because it's a one-to-one conversation," Luria says. "The bank knows everything about you, and they've got you in front of a screen." Who knows what will come along next. Soon, we may be able to watch TV or check e-mail while we wait for our transactions to be processed.