Apparatus and methods 10 are disclosed that provide mainline standard ATMs 12 with enhanced functionality, enabling users 16 to conduct not only conventional transactions such as deposits and/or withdrawals from checking and/or banking accounts, but more sophisticated and complicated transactions that previously have typically required an in-person interaction with a human teller or logging into the user's account via a mobile phone, personal computer, or similar device. A terminal handler 40 coordinates enrollment and verification through a database 42, and routes transactions from the ATM to the appropriate corresponding financial institution.