An automated banking machine operates to cause financial transfers responsive at least in part to data read from data bearing records. An automated banking machine is operative to dispense physical currency bills as well as virtual currency bills that are perceivable by a user wearing a wearable device. The wearable device is also operative to enable a user to perceive the deposit of virtual currency bills into the physical automated banking machine. A wearable device worn by the user is also operative by the user to obtain virtual currency bills from a virtual automated banking machine. The virtual automated banking machine may also be operative to receive the deposit of virtual currency bills therein. The wearable device may comprise augmented reality glasses that enables the user to visually perceive simultaneously physical surroundings in a direct field of view of the user and visual outputs by at least one display of the device.