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One evening in April, Dave Winston stood in a convenience store in suburban Charlotte, N.C., uneasily shoving $20 bills into a slim automated-teller machine unlike any he had ever seen.

At the same time, the bank said it would expand its automated-teller machine network, adding 52 ATMs at elevated train stations in the Chicago area.

Ansip withdrew the first 20-euro note from a ceremonial automated-teller machine shortly after midnight.

There's no mistaking an automated-teller machine for a bank teller.

It is, in short, one of the great conveniences of modern technology: the ATM, or automated-teller machine.