How to Deposit a Check at an ATM
Easily deposit checks at an ATM. This guide covers smart preparation, the straightforward deposit process, and what happens next.
Depositing a check at an automated teller machine offers a convenient way to manage finances outside traditional banking hours. ATMs provide accessibility for depositing funds, eliminating the need to visit a bank branch. This method allows individuals to deposit checks at various locations, making the banking process more flexible and efficient.
Preparing Your Check for Deposit
Before heading to an ATM, preparing your check properly helps ensure a smooth deposit. Examine the check to confirm all details are accurate, including the payee’s name, numerical and written amounts, and the date. Address any discrepancies with the check issuer before attempting a deposit.
Using blue or black ink, endorse the back of the check by signing your name in the designated endorsement area. For added security, writing “For Deposit Only” below your signature restricts the check’s use to deposit only. Your debit or ATM card is also required to initiate the transaction.
Using the ATM for Deposit
Once the check is properly endorsed and you have your ATM card, the process at the machine is straightforward. Insert your debit card into the ATM and enter your Personal Identification Number (PIN) securely. Select “Deposit” and then “Check Deposit” from the menu. Insert your endorsed check into the designated slot. Modern ATMs scan the check directly, reading the account information and the amount, eliminating the need for a deposit envelope.
After the ATM scans the check, it displays the recognized deposit amount for your review. Verify that this amount matches the check’s value precisely to avoid any discrepancies. The machine may also ask you to confirm the account into which the funds should be deposited if you have multiple accounts linked to your card. Once you confirm the details, finalize the transaction according to the on-screen prompts. The ATM will offer you a receipt, which should always be taken for your records.
After Your Deposit
After depositing your check at the ATM, taking your receipt is an important final step. This receipt serves as proof of your transaction, often including details like the deposit amount and sometimes an image of the deposited check. Keeping this receipt until the funds are fully processed and appear in your account provides documentation in case any issues arise.
While the deposit is complete at the ATM, the funds may not be immediately available for use. Federal regulations, specifically Regulation CC, govern how quickly banks must make deposited funds available. Effective July 1, 2025, banks are required to make the first $275 of a check deposit available by the next business day.
For larger deposits, such as amounts exceeding $6,725, or for new accounts, financial institutions may place an extended hold on the funds, delaying their availability. Hold periods typically range from one to two business days for most checks, but can be longer depending on the check amount or account status. You can monitor the status of your deposit and check your available balance through your bank’s online banking portal or mobile application.