A method of integrating photographic imaging products and services functionality with non-imaging functionality using automatic teller machine (ATM) functions for providing financial transactions in a single kiosk is disclosed. This invention provides the consumer with the flexibility to generate imaging products and conduct imaging services or perform ATM-related transactions independent of one another; to incorporate images into producing customized financial instruments at the kiosk; to access financial institution services to store or retrieve images or documents as part of providing either imaging products/services or ATM financial instruments; and to utilize the customer's financial accounts and/or financial instruments as a means of payment for the products/services rendered at the kiosk. The present invention leverages the infrastructure, equipment and networking capabilities of both sets of functionality to provide an economy of scale and an increased value of differentiation not currently available.