A multi-band antenna includes a first radiator resonating at a high frequency bans and a second radiator extended from a first end and toward a second end of the first radiator, and resonating at a low frequency range. In general, the present invention uses a progressive iterative technique that includes a disparity gradient limit principle and a least commitment strategy. The automated banking machine operates to acquire image and magnetic data from deposited checks and to determine the authority of a user to receive cash for such checks.