1. A method of operating a publicly accessible image-based check depositing automated teller machine (ATM), the method comprising: receiving a check from an ATM customer conducting a check depositing transaction at the ATM; capturing a color image of the check provided by the ATM customer conducting the check depositing transaction at the ATM; storing the color image of the check at the ATM; deriving from the color image a non-color image of the check; transmitting to an institution the non-color image of the check; receiving from the institution a request to retrieve the color image of the check in response to the institution determining that the non-color image of the check is unusable; retrieving the color image of the check in response to the request received from the institution; and transmitting the retrieved color image of the check to the institution to fulfill the request from the institution.