Can I Cash Checks at an ATM?

ATMs typically facilitate deposits rather than immediate cash disbursement for the full check amount. While some ATMs may offer partial cash back, their primary function is to accept the check for deposit into your account. Financial institutions verify the check and make funds available according to specific policies and regulations. This article explains how to deposit checks at an ATM and what to expect regarding fund availability.

Depositing Checks at an ATM

Depositing a check at an ATM involves a straightforward process. Begin by inserting your debit card and entering your personal identification number (PIN). After accessing your account, select “Deposit” from the main menu, then specify the account where you wish the funds to be credited, such as your checking or savings account.

The ATM will then prompt you to insert the check into a designated slot. Ensure the check is properly oriented as indicated by the machine. Once inserted, the ATM will read the check and display the detected amount for your review. If prompted, manually enter the amount. Finally, complete the transaction and retrieve your receipt, which serves as proof of your deposit.

When Your Funds Become Available

Accessing funds from a check deposited at an ATM is subject to specific availability schedules, commonly known as “holds.” Federal regulations, such as Regulation CC, mandate that financial institutions make at least a portion of your deposit available quickly. As of July 1, 2025, the first $275 of a check deposit must be available for withdrawal by the next business day.

The remaining portion of your check deposit may be subject to a longer hold period, ranging from two to seven business days, but in some instances, it could extend to eleven business days. Factors influencing these hold times include the check’s amount, the type of check (e.g., government checks or cashier’s checks often have faster availability), the financial institution’s specific policies, and the history of your account.

For example, larger deposits exceeding $6,725 may experience extended holds, with the amount over this threshold potentially being held for up to nine business days. New accounts, open for less than 30 days, may also face longer hold periods on deposited funds, sometimes up to nine business days. You can check the availability of your deposited funds through your bank’s online banking portal, mobile application, or by contacting customer service.

Key Factors for ATM Check Deposits

Properly endorsing your check is essential; this involves signing the back of the check in the designated endorsement area. For added security, it is advisable to write “For Deposit Only” along with your account number below your signature.

Financial institutions often impose daily or per-transaction deposit limits for ATMs, which can vary widely. While some banks might not have a strict maximum value for a single check, practical limits are common, and for large checks, contacting your bank beforehand is advisable.

Most ATMs accept standard personal and business checks, but they may not accept certain types, such as third-party checks (checks made out to someone else and endorsed to you), foreign checks drawn on institutions outside the United States, traveler’s checks, or savings bonds. Checks with invalid routing numbers or those that are physically damaged may also be rejected by the machine.

It is important to retain the receipt provided by the ATM after completing your deposit. If any discrepancies arise, this receipt can be crucial proof of deposit. While ATMs are generally reliable, occasional issues such as machine errors or checks getting stuck can occur; if you encounter such a problem or notice a discrepancy, promptly contact your financial institution for assistance. Additionally, if the ATM requires you to manually enter the deposit amount, ensure this entry is accurate to avoid processing delays or errors.