How to Deposit a Check at the ATM

Depositing a check at an Automated Teller Machine (ATM) offers a convenient and accessible way to manage your finances beyond traditional banking hours. ATMs provide a quick and efficient solution for processing check deposits. It is a straightforward process that helps ensure timely financial updates without requiring a visit inside a bank branch.

Preparing Your Check and Card

Before approaching the ATM, prepare your check. The back of the check has a designated endorsement area for your signature. For added security, writing “For Deposit Only” below your signature ensures the check can only be deposited into your account. Some financial institutions may also suggest including your account number with the endorsement to direct funds.

The check should be in good condition, free from tears, folds, or markings that could hinder the ATM’s scanning capabilities. Verify that all fields on the front of the check—payee’s name, date, and numerical and written amounts—are accurately filled out. Ensuring the written and numerical amounts match helps prevent processing issues. Always have your bank debit or ATM card available, as it is typically required to initiate the deposit transaction.

Step-by-Step ATM Deposit Process

Once at the ATM, the deposit process begins by inserting your debit card into the designated slot. After the ATM reads your card, you will be prompted to enter your Personal Identification Number (PIN) to securely access your account. The ATM screen will then display a menu of transaction options, from which you should select “Deposit,” followed by “Check Deposit.”

The machine will indicate where to insert your check, typically a specific slot that may illuminate or open. Insert the check smoothly, ensuring it is face up and correctly oriented as guided by the ATM’s on-screen instructions or diagrams. Many modern ATMs can accept multiple checks at once, scanning each one and displaying an image and the recognized amount for your review. Carefully review the scanned amount on screen, confirming it matches the written amount on your check. If there is a discrepancy, the ATM provides an option to correct the amount or reject the check for re-insertion.

After confirming the amount, the ATM will ask you to select the account, such as your checking or savings account. You will then confirm the transaction, and the ATM will process your deposit. Obtain a printed receipt, as this serves as a record of your transaction.

Confirming Your Deposit and Next Steps

After completing your check deposit at the ATM, it is important to retain the printed receipt. This receipt serves as proof of your transaction and can be a valuable record if discrepancies arise. Although the ATM provides immediate confirmation of the deposit, the funds may not be available for immediate withdrawal or use.

Most banks typically make funds from ATM check deposits available within one to two business days. However, factors such as the time of day the deposit was made (e.g., after the bank’s daily cutoff time), the amount of the check, or if the deposit is made at an ATM not owned by your bank, can extend this processing period. Under federal regulations, banks can place holds on deposited funds, with some exceptions allowing for longer delays, particularly for larger amounts, new accounts, or re-deposited checks. After the expected processing time has passed, you should verify that the deposit has successfully cleared by checking your bank account balance through online banking or your mobile application.