An ATMemo arrangement is disclosed. The arrangement allows an ATM to present a person's own reminder memo to that person. A personal memo is authored by an ATMemo customer with a personal computer and then the memo is stored at a remote data store. The data store is accessible by an ATM network. The stored memo is associated with the customer and a display period. Any ATM in the network is operative to display the memo to the customer. Display of a stored memo at an ATM is based on valid customer identification, the memo's display period, and the current date. The ATM accesses and displays the memo if both the ATM customer ID matches the memo author ID and the current date is within the time period for displaying the memo. The ATM can also print the memo on a transaction receipt.