take a few days of performed in a traditional manner which as should be understood is not feasible accordingly in various embodiments if funds to be deposited are embodied as an instrument the intermediary 16 electronically presents the instrument for clearing by way of a clearinghouse which may be the clearinghouse 18 or another clearinghouse as is known such electronic presentment is performed by the intermediary 16 by way of information already present on the instrument and presumably results in an approval from the clearinghouse is a matter of seconds here similar to before the approval is a guarantee that the amount of funds represented by the instrument will be debited from a corresponding bank account and credited to an account 26 of the intermediary 16 at least at some set point in the near future presuming that the funds to be deposited are collected as at 409 the deposit of the funds to the account 14 of the customer 12 as at 411 is performed according to the established protocols of the clearinghouse 18 and thus may require that the clerk at the intermediary 16 enter the deposit by way of a particular device a particular request screen a particular access method a particular user interface or the like as specified by the clearinghouse 18 again the particular device may be a user interface 20 programmed into the computing device 22 at the intermediary 16 and if the account 14 is identified by the customer 12 by way of a device 24 such as a magnetic strip card smart card rfid tag or the like with identifying information such identifying device 24 can be appropriately interfaced to the computing device 22 to deliver such identifying information thereto upon the clearinghouse 18 receiving the request to deposit from the clerk.