How to Deposit Cash and Checks at an ATM


Our banking habits continue to change as technology takes over so many aspects of our financial lives. We can pay bills online, use a digital wallet for transactions in stores and online, and even deposit checks through our bank’s mobile app.

But sometimes, you’ll need to deposit cash or checks at an ATM. Depositing checks at an ATM often means the funds will be available immediately, while it might take a few business days for a mobile check deposit to clear. As for depositing cash, if your bank branch isn’t open, making a deposit at an ATM is your only option.

This article aims to provide a step-by-step guide on how to make a deposit at an ATM.

depositing check at ATM

What You Need Before Using an ATM for Deposits

Before you start using an ATM for your deposit needs, there are a few essentials you must have in place. These requirements ensure a smooth and successful transaction. Here’s what you’ll need:

  • Active bank account: It’s essential to have an active bank account, whether it’s a checking account for your day-to-day transactions or a savings account where your funds can increase over time.
  • ATM or debit card: Your ATM or debit card is critical as it serves as your access tool to your account through an ATM.
  • Personal identification number (PIN): Your PIN acts as a secure code that confirms your identity to the bank when accessing your account.
  • Cash or checks: Have your cash or checks prepared for deposit. Note that ATMs may reject bills that are too worn or torn. Additionally, ensure that checks are filled out correctly, including the amount, the payee’s name, and your signature.
  • Familiarity with cutoff times: Knowing the cutoff times for ATM deposits at your bank or credit union is important. If you wish for your deposit to be credited on the same day, make sure to deposit before the cutoff time.

How to Locate an ATM that Accepts Deposits

Finding an ATM that takes deposits doesn’t have to be a challenge. Here’s how you can make it easier.

Use Your Bank’s Mobile App or Website

These platforms often offer ATM locator tools. Not only can they direct you to the nearest ATM, but they can also tell you if these ATMs accept deposits.

Understand ATM Types and Capabilities

Remember, not all ATMs are the same. While many are set up for cash withdrawals, not all are designed to accept cash or check deposits.

Distinguish Between In-Network and Out-of-Network ATMs

Knowing the difference can save you from unnecessary fees. In-network ATMs, owned by your bank or part of a shared network your bank belongs to, usually allow free deposits. Out-of-network ATMs might charge fees and may not accept deposits at all.

How to Deposit Cash at an ATM

Depositing cash in an ATM is a straightforward process. Follow these steps to deposit cash easily and securely.

Step 1: Locate an ATM That Accepts Cash Deposits

Your first task is to find an ATM that can accept cash deposits. Not all ATMs have this functionality, so you’ll need to check. Most financial institutions offer ATM locators on their websites or mobile apps, making it easy to find one that fits your needs.

Step 2: Insert Your Card and Enter Your PIN

Once you’re at the ATM, the next step is to insert your ATM or debit card into the designated slot. You’ll be asked to enter your PIN. Remember, your PIN is confidential; never share it with anyone. If others are waiting to use the ATM, they should stand back several feet. Always obscure the PIN pad or touchscreen so that no one can see your PIN as you enter it.

Step 3: Select the Deposit Option

When the ATM’s main menu comes up, select the “deposit” option, then specify that you’re depositing cash. The process might vary slightly depending on the ATM, but the main steps remain the same.

Step 4: Enter Your Deposit Amount

The ATM will then ask you to enter the amount you’re depositing. Double-check this to ensure it matches the actual cash amount you’re depositing.

Step 5: Insert Your Cash

Next, the ATM will guide you on how to insert your cash into the cash deposit slot. It’s important to follow the instructions to ensure the machine can accurately count your money.

Step 6: Confirm and Collect Your Receipt

After you’ve inserted your cash, the ATM will count it and display the total for you to confirm. Once you’ve confirmed the amount, remember to collect your receipt. This serves as proof of your transaction and is especially important when dealing with cash.

Step 7: Know Your Bank’s Deposit Policies

Even though many banks and credit unions don’t impose a limit on cash deposits at ATMs, it’s a good idea to check your bank’s policies, especially if you’re depositing a large amount of cash.

How to Deposit Checks in an ATM

If you’re depositing a check in an ATM for the first time or just need a refresher, don’t worry, the process is straightforward. Here’s a step-by-step guide to help you through it:

Step 1: Start Your Transaction

As with depositing cash, your first step is to insert your ATM or debit card into the machine and enter your PIN. Once you’re at the main menu, choose the “deposit” option, then indicate that you’re depositing a check.

Step 2: Prepare Your Check for Deposit

Before you deposit your check, make sure you’ve endorsed it correctly. This usually involves signing the back of the check in a specific area, but the exact method can vary, so read the back of the check for any instructions.

Step 3: Enter the Check Amount

The ATM will prompt you to input the check amount. Be careful to enter the correct amount to ensure the deposit is processed accurately.

Step 4: Insert Your Check

Next, you’ll need to insert your check into the ATM’s deposit slot. Many ATMs provide clear instructions or visual guides on the screen to help you do this correctly.

Step 5: Confirm Check Information

Once you’ve inserted your check, the ATM will scan it and display the check information on screen. Verify that this information matches the actual check, especially the check amount.

Step 6: Complete the Transaction

After you’ve confirmed the check information, the ATM will process your deposit. As with cash deposits, you should always take a receipt after depositing a check.

Step 7: Understand Your Bank’s Check Processing Times

Check deposits typically aren’t available for withdrawal immediately. Depending on your bank’s policy, the funds could be available as soon as the next business day, but sometimes it may take longer. Check with your bank to understand their specific check deposit policy.

The Pros and Cons of ATM Deposits

Like most banking tools, ATM deposits come with their own set of advantages and drawbacks. Here’s what you need to know:

The Pros of ATM Deposits

Convenience: ATMs offer the convenience of depositing cash and checks anytime, even outside regular banking hours. For individuals with busy schedules, this flexibility can be a major advantage.

Saves Time: Avoid the lines at the bank! ATM deposits save time by allowing you to carry out transactions without waiting in line for a teller.

Multiple Banking Options: Many ATMs, particularly those owned by your bank or credit union, offer multiple banking options beyond deposits, such as cash withdrawals, balance inquiries, and sometimes even bill payments.

The Cons of ATM Deposits

Potential Fees: Using out of network ATMs for deposits can sometimes result in additional fees. It’s always best to use an ATM within your bank’s network whenever possible to avoid these fees.

Availability of Funds: When you deposit at an ATM, there may be a delay before the funds become available in your account. This is especially true for check deposits, as the bank often needs time to process the check.

Limited Transactions for Certain Accounts: While most checking accounts allow unlimited deposits, if you are depositing to high yield savings accounts or money market accounts, remember these accounts may have a limit on the number of transactions you can make each month.


ATMs offer a convenient solution for both cash and check deposits. Most financial institutions, including today’s no-fee neobanks, provide ATMs that accept deposits. While not all ATMs accept cash, most banks and many credit unions belong to a network of ATMs that do.

Understanding how ATM deposits work, deposit limits, and potential fees can help you avoid any unexpected hiccups. Knowing how to deposit cash or a check properly at an ATM is key to managing your bank accounts effectively. The convenience of ATMs has transformed our banking habits for the better, but safety and awareness remain paramount.

Dawn Allcot
Meet the author

Dawn Allot is a personal finance writer and content marketing expert specializing in finance, travel, real estate, and technology. In addition to her work at Crediful, Dawn regularly writes for Bankrate, GoBankingRates, and The Balance.