A system is provided for establishing uninsured accounts which can be remotely accessed by account holders to obtain access to account funds through the issuance of negotiable instruments made payable to the account holder. The account holder enters its account number and an amount requested into a dispensing station. The dispensing station communicates with an customer account server to verify sufficient funds in the account to cover the requested amount and transaction fees and prints a negotiable instrument made payable to the account holder in the amount requested, and the amount requested is debited from the account.