A cash-dispensing banking terminal can execute a transaction request created with a mobile device before a banking customer and the mobile device arrive at the cash-dispensing banking terminal. A remote computing device authenticates and authorizes the transaction request. When the transaction is authenticated and authorized, the remote computing device generates an executable transaction request and sends a transaction identifier to the mobile device. The receiver receives the transaction identifier from the mobile device, when the customer is at the banking terminal. The remote computer and/or other devices verify the transaction identifier is valid. The banking terminal performs the transaction request while the customer is at the banking terminal. The amount of the cash withdrawal is pre-deducted from the banking account of the banking customer before the banking customer is at the banking terminal.