An automated banking machine includes at least one reader that is operative to read indicia from data bearing items that is usable to identify financial accounts. The machine further includes at least one input device, a cash dispenser and a controller. The controller is operative to cause a determination that the read indicia corresponds to a user financial account upon which a transaction is authorized to be conducted through the machine. Responsive at least in part to the determination and at least one transaction selection input corresponding to a dispense of at least one virtual item of value, the controller is operative to cause the user to be provided with a virtual item of value having no physical constituents, but that is perceivable visually through at least one display of a wearable device worn by the user, which wearable device enables the user to visually perceive simultaneously physical surroundings in a direct field of view of the user and visual outputs through at least one display of the wearable device. The wearable device is also operative to enable the user to visually and audibly perceive a service representative.