An apparatus that operates to cause financial transfers responsive to data read from data bearing records includes at least one processor that is in operative connection with a card reader, a check acceptor, a cash dispenser and a touch screen display. The processor causes the machine to operate to read card data from a user card, and to cause a determination to be made that the read card data corresponds to an authorized financial account. The at least one processor is operative to cause data to be read from a check and/or cash to be dispensed, and a financial transfer to or from the account corresponding to the value thereof. Data corresponding to a user input alphanumeric characters is resolved by the processor responsive to contact with an input surface of the touch screen display. The area of contact may not include any visible output indicia that corresponds to the possible input characters prior to contact.