how do i deposit a check at an atm

Access Zion Bank Deposit Ready ATMs anytime day or night and deposit a stack of up to 50 cash bills or up to 30 checks at one time, no envelope, no waiting. With the SouthState App1 it's never been easier to deposit checks anywhere and skip a trip to the bank or ATM. Simply follow the on-screen prompts and. When will my account be credited for cheque deposit? Please refer to the table below: Type of Currency. Cheque(s) Deposited on.

Thematic video

ATM Check Deposit Tutorial

How do i deposit a check at an atm -

How to Deposit a Check

When you receive a check, you need to deposit the funds so you can use the money or keep it safely in your bank account. Until then, it’s just a piece of paper.

Fortunately, depositing a check is easier than ever, and after you make a deposit, you can use your money in several ways: Withdraw cash, pay bills online, shop with your debit card or checkbook, or transfer funds electronically.

How to Deposit Checks

Depending on the bank or credit union you use, you should have several options for deposits.

Deposit with your mobile device: The fastest and most convenient option is probably to use your mobile device.

  1. Download your bank’s app. Verify that you use a legitimate app from your bank so that you avoid giving sensitive information to thieves.
  2. Find the option to deposit checks and begin the process.
  3. Endorse the check (see details below).
  4. Take a picture of both sides of the check.
  5. Provide information from the check. You might need to enter the amount of the payment and verify that the app reads the account and routing numbers on the check correctly.

For complete details, see How to Make Mobile Check Deposits.

Visit a branch: You can also deposit checks in person at one of your bank’s branches. An advantage of depositing with a teller is that more of your money might be available quickly. Deposits with bank employees sometimes clear faster, which may be important when making significant deposits.

If you use a credit union, you can typically deposit checks at any credit union that’s part of the shared branching network. You’re not limited to using your own credit union—you can go to (almost) any branch that’s available and open when you need it.

  1. Endorse the check when you’re safely inside the branch.
  2. Fill out a deposit slip, and hand the check to a teller.
  3. Verify your new account balance before leaving the counter.

Deposit at an ATM: Some banks and credit unions allow you to deposit checks through an ATM, which is convenient when you’re unable to get to a branch during banking hours. Different banks have different requirements (if you need to use an envelope and a deposit slip or not, for example), so read the on-screen instructions carefully. In most cases, the process is as follows:

  1. Swipe or insert your card.
  2. Enter your PIN.
  3. Choose the option to deposit funds.
  4. Insert checks and cash (either one-by-one or in a bundle).
  5. Verify that the deposit credits your account.

Funds are typically available within a few days. For more detailed instructions, see how to make deposits at ATMs.

Deposit by mail: You may also be able to mail checks to your bank. You never want to send cash, but sending checks by mail is quite safe, especially if you use a restrictive endorsement (see below). Ask your bank what the requirements are. In most cases, you need to include a deposit slip and endorse the check. Mail isn’t your fastest option for depositing checks, but you can do everything on your own time.

What You Need to Deposit a Check

Making a deposit is not as simple as handing the check to a teller or snapping a photo—but it’s close.

Endorsement: You typically need to endorse a check by signing your name on the back of the check. Technically, doing so gives your bank (or whoever has the endorsed check) the right to collect the funds—so don’t endorse until you’re confident that the check will get to the bank.

For added security, you can use a “restrictive” endorsement, which says the money can only be deposited to the account you specify. That’s a smart move in case the check gets lost or stolen. To restrict the endorsement, sign your name and write “For deposit only to account ###” (use your account number instead of the number signs). For more ways to endorse, see Basics of Endorsing Checks.

Deposit slips: You may need to fill out a deposit slip when you deposit a paper check. Deposit slips provide the information a bank employee needs to get the money into your account: your account number, the amount you’re depositing, and more.

Identification: If you’re making a deposit in person, bring valid identification, such as a driver’s license, passport, or other government-issued ID. This is might be required even though you’re just adding money to the account—not taking cash. An ID is especially important if you’re visiting another credit union’s branch to deposit a check.

Cashing Checks

If you plan to spend all of the money immediately (with cash), you can try cashing a check instead of depositing it. You can usually get up to $200 immediately on personal checks, and you might be able to get more for official checks like cashier’s checks or tax refunds from the U.S. Treasury.

However, it’s risky to take cash and spend it before you know that a check is good. If the check bounces, you’ll have to repay your bank for any money you take. The only way to know for sure that the check is good is to cash it at a branch of the same bank the check is written on. In other words, go to the check writer’s bank to cash the check—the bank name appears on the check.

Of course, it’s risky to walk around with large amounts of cash. That money can get lost or stolen. It’s often just as easy to deposit a check, which allows you to spend money from your checking account as needed. You can do so with a debit card or withdraw cash from an ATM later when you actually need it.

Is the Check any Good?

Verify that checks are legitimate and make an effort to determine whether or not a check will bounce before you deposit it. If the person or company that wrote the check doesn’t have enough money to cover the payment, your bank might charge you fees—even though it wasn’t your fault.

If you continually deposit bad checks, your bank might even close your account. Whenever you’re concerned about a check, contact the bank the check is written against to verify funds in the account and find out if the check will bounce.

Where Not to Deposit Checks

Depositing the funds directly into your bank or credit union is the safest and least expensive option. You might be tempted to cash checks at more "convenient" places such as payday loan shops or check-cashing stores. Before doing so, evaluate the fees, as you may pay dearly. Even supermarkets charge fees, which can add up to a significant proportion with small checks.

If you don’t have an account at a bank or credit union, you really need one—it’ll save you time and money. However, some people can’t or won’t open a bank account. If you’re in that group, a prepaid card might be a good alternative: Some cards allow you to make mobile check deposits to add to your balance, which helps you store the money safely. Others have partnerships with retail locations, so you can bring checks to certain stores to add to your account.

Frequently Asked Questions (FAQs)

Can I deposit a check instantly?

Getting the full amount of a check immediately can take some work, but it's a straightforward process. If the check is under $200, your bank is required to make the funds available immediately. The same usually applies to government-issued checks as well. If your check is over that amount and you'd like to access all of the funds immediately, get it cashed at the check writer's bank. They should be able to give the amount to you in full, and you can then deposit the total amount into your account.

Is it safe to deposit a check on an app?

If you ensure that you're using the app associated with your bank, depositing a check via smartphone is just as safe as using any other banking services online. The transaction will be encrypted so information can't be stolen or seen from would-be thieves.


How Long Does It Take a Check Deposit at the ATM to Clear?

Chase Bank ATM Check Deposit

Posting and clearing times for checks deposited at the ATM are different at every bank but understanding how the process works can give you a better idea of when you can get your hands on the cash.

An analysis by MyBankTracker indicated a check will take anywhere from two to 11 business days to clear, depending on the size of the check, how long you've had your account and what bank the check is issued from.

When Does a Check Deposit at the ATM Clear?

Even though your balance may reflect the full amount of the deposit on the day it's posted, your check hasn't actually cleared at this point.

The bank is essentially giving you credit for the money but the funds still have to be released from the account of the person or company who wrote it.

Assuming there are no problems, this process can take anywhere from 2 to 11 business days, depending on the size of the check, how long you've had your account and what bank the check is issued from.

Take a look at the table below to compare posting times and funds availability at the top 10 U.S. banks. (Keep in mind a bank's branch posting and cut-off times may vary with the location.)

ATM Deposit Cutoff Times at Top 10 U.S. Banks

Bank NameATM Deposit Posting TimeFunds Availability
Bank of America5pm local time$200 available the first business day after deposit; remaining funds available the second business day
Branch Banking and Trust (BB&T)6pm, excluding weekends and federal holidays$100 available on the day of deposit; remaining funds available the next day unless a longer hold is required
Capital One9pm ET$200 available next business day; remaining funds available the second business day
Chase11pm ETDeposits available the next business day; if a 2-day hold applies, the first $200 is available the second business day
Citibank10:30pmGenerally available the same business day
PNC Bank10pm/ET$100 available on the day of deposit; remaining funds available the second business day
SunTrust12pm local timeGenerally available the next business day
TD Bank8pm local time$100 available on the day of deposit if your account has been open 90 days or longer
U.S. Bank6pm local time (8pm local time at deposit envelope ATMs)$200 available the day of deposit; remaining funds available the next business day
Wells Fargo4pm Mon-Thurs., 6pm Fridays, local timeGenerally available the same day; $200 available on the next business day if a hold applies

Related:The Time It Takes for a Check to Clear at Top 10 Banks

ATM Deposit Cutoff Times and Account Posting

While you can make a check deposit at an ATM at any time during the day or night when you put it in makes a difference in terms of when it actually posts to your account.

At the top banks, the cutoff time for deposits made at the window is either 2 p.m. or the end of the business day, with the exception of TD Bank, which gives you until 8 p.m.

The cutoff times for ATM deposits, however, vary substantially from one bank to another.

Chase customers, for instance, have until 11 p.m. ET to get their check to the ATM in order for the transaction to post the next day, but if you bank with SunTrust, you'll need to make your deposit by noon.

Generally, if you wait until after the cutoff time, your check will be included in the next business day's processing, which means it would take an extra day to post.

For example, if you made a deposit at a SunTrust ATM at 2 p.m. on a Tuesday, it would be processed at the end of a day on Wednesday and post to your account on Thursday.

Tip: Any ATM deposits made the day before a weekend or holiday won't post until the second business day.

Same-Day Availability vs. Next-Day Availability

When you deposit checks at the ATM, the money doesn't show up in your account right away.

Typically, if the check is for more than a couple of hundred dollars, the bank will hold a portion of the deposit.

TD Bank, for instance, makes the first $100 of a check deposited at the ATM available that day but the remaining amount wouldn't hit your account until the next day, assuming you got it in before the posting cutoff time.

Here's an explanation of how long it would take to deposit cash.

Each bank has its own guidelines for determining what amount of an ATM deposit must be held and for how long.

TD Bank's $100 same-day availability rule only applies to accounts that have been open for 90 days or more.

If your account has been open less than 30 days, the entire check can be held for 7 to 10 days to allow the bank to verify it.

Besides the age of your account, there are a few other factors that can determine when check funds deposited at the ATM become available.

For example, it's fairly standard for banks to initiate a longer hold when you're depositing $5,000 or more worth of checks.

It's also not uncommon for banks to do so if you've had repeated overdrafts on your account or there's reason to believe that the check you're depositing won't be paid by the other party's bank.

What If the Check Deposit Bounces?

One thing to be aware of is what can happen if a check you deposit ends up being returned for insufficient funds.

In that situation, the bank would debit the amount of the deposit from your account and also charge you a Returned Item fee, even though you're not the one who wrote it.

At the top U.S. banks, this fee ranges from $10 to $40, depending on the type of item that was returned.

On top of the Returned Item fee, you may also be looking at overdraft charges if you spend the money before the bank determines that the check is no good.

Overdraft fees range from $34 to $36 at big banks, which can really add up if you have multiple transactions that go through prior to having the check taken back out of your account.

Tip: If you're unsure on whether a check will clear, you can always cash it at the bank at which it was issued.

There's usually a small fee for doing so (if you're not a customer of that bank) but it's less than what you'd have to pay if the check was returned.

Check Deposits Made at Another Bank's ATM

Although it's not as common, some banks will allow you to make deposits to your account using another bank's ATM if they have a relationship with that bank.

TD Bank customers, for example, can deposit checks through any ATM that's listed as an NYCE Shared Deposit machine. Many community banks and credit unions also offer this service.

While it may be convenient to use a shared deposit ATM, it can slow down the processing of the check even further.

At TD Bank, using a shared machine can add as much as 5 to 7 days or more before the check posts to your account.

Deposit your checks using a phone with these new top online banks:

Continue Reading


Editorial Note: Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when posted.

Advertiser Disclosure

We think it's important for you to understand how we make money. It's pretty simple, actually. The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials.

Compensation may factor into how and where products appear on our platform (and in what order). But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That's why we provide features like your Approval Odds and savings estimates.

Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can.

It takes just a few simple steps to deposit your check at your bank branch or credit union, an ATM, or via your mobile device.

Been handed a check and you’re not sure what to do with it? You can transform that little piece of paper into spending money by either cashing your check  or depositing it into a bank account.

If you’d prefer to deposit the funds into a bank account, you’ve got a few options depending on the options available from your bank or credit union. You can go the more traditional route: visiting a physical bank or credit union branch, or stopping by an ATM. Or if you’d rather avoid the extra errand, you may be able to use a mobile banking app on your smartphone or tablet to deposit your check electronically.

Deposit $1, get a shot at $20,000 Learn More

Check deposits at the bank

When you deposit a check in person, you’ll be required to endorse the check, which means signing it. It’s pretty simple: On the back of the check, you’ll find two gray lines with a note saying something like “endorse here.” Sign the check on the top line after you’ve arrived at the bank.

In order to complete the transaction, your teller will make sure the check is written out correctly, and may request to see your identification. You’ll also need to provide the account number or account information for the account you want to deposit the check to.

The whole transaction shouldn’t take more than a few minutes, but you’ll have to complete it during banking hours, which often exclude evenings and weekends. You may also want to plan for a possible wait time at the bank.

Once your transaction is complete, typically allow up to two business days before expecting the funds to be available in your account. A portion or all of your check, up to $200, may be funded by the next business day.

Can I deposit part of my check and cash the rest?

Yes, as long as your bank or credit union allows it. When you deposit your check, you can ask your teller to give you cash for part of the check amount and deposit the rest.

Why does the bank place deposits on hold?

A deposit hold is a period of time, usually around two business days, when the bank holds the funds you deposited by check. This delay may seem unnecessary, but it can actually help you. It helps prevent you from spending the money and then having to repay that money if the check turns out to be fraudulent or had to be returned.

Check deposits at an ATM

Depending on your bank or credit union, and the type of ATM, you may be able to deposit your check at an ATM. Just like when you visit a branch, you’ll need to start at an ATM by endorsing the back of the check.

Then you can use your bank-issued debit card to access your account info, follow the prompts for a check deposit, and submit your check directly into the designated slot.

Unlike visiting a bank branch, you can deposit a check into any ATM at any time, as long as the ATM accepts checks. Just like when visiting your branch though, you may still have to wait around two business days before having access to all the funds depending on the amount of the check. In fact, it may take even longer if you deposit the check at an ATM your bank or credit union doesn’t own.

For that reason, it can be beneficial to visit an ATM owned by your bank. Staying in your bank’s network can also be a better choice because it may save you money on ATM fees.

Check deposits with your mobile device

If you’ve got a smartphone or a tablet, and your bank offers the option, you can deposit a check using your mobile banking app, nearly any time and any place. Start by logging into the app, locating the deposit option, and choosing which account you want to deposit the check into.

You’ll probably be asked to take a photo of both sides of your check. If you’re not successful at using the camera right away, helpful hints may pop up on the screen or you may have access to a chat assistant. You may find it easier if you follow these tips.

  • Take the photo in a well-lit area
  • Place the check on top of a contrasting (dark) surface
  • Make sure all four corners of the check can be seen in the frame

Once you’ve taken the photos, be sure to follow any further instructions to complete the deposit. Then review your account activity to make sure the deposited check appears.

Banks may have different time frames for processing mobile deposits — some can be completed as quickly as one business day. But even if the funds from your deposit become available right away, you’ll want to keep the actual paper check for 30 days in case any issues arise with processing. Some banks recommend destroying the check after that.

Bottom line

Regardless of how you choose to deposit your check, be sure to do it right away. There’s no strict rule about when checks expire, but many banks won’t accept a check that’s more than six months past its given date. Plus the longer a check is sitting around, the more likely it could be lost or stolen.

For payments you receive regularly, like your paycheck or other regular check disbursements, consider setting up direct deposit. This paperless option automatically deposits your payments into your account, freeing you up from having to deposit the check yourself. As an added bonus, many banks make payroll funds deposited by direct deposit available immediately.

Deposit $1, get a shot at $20,000 Learn More

About the author: Sarah C. Brady is a San Francisco–based financial consultant, workshop facilitator and writer. In addition to writing for Credit Karma, Sarah writes for Experian, LendingTree, Magnify Money, MSN News and more. In her … Read more.

Read More

  • What is TD Bank doing to help prevent the spread of COVID-19?
    The well-being of our Customers and Colleagues is our top priority. We're encouraging Customers to bank online, at an ATM or at a TD Bank drive-thru whenever possible. And we're advising all TD Bank Colleagues to follow the health and hygiene guidelines issued by the World Health Organization and the U.S. Centers for Disease Control and Prevention. Learn more about adjustments to store hours, policies and services.

  • If a TD Bank store is temporarily closed, how can I take care of my banking needs?
    There are a few different ways to get your banking done, based on what's easiest for you.

    • Bank online. It only takes a couple of minutes to sign up for Online Banking. If you're not already registered, visit Online Banking to sign up. You'll be able to check your balance, pay bills and make transfers from your couch. Find out what else you can do with Mobile & Online Banking.
    • Bank on the TD Bank app. Get the convenience of Online Banking in your pocket—plus you can deposit checks right from your smartphone. Download the TD Bank app (Android and iOS) to get started. Find out what else you can do with Mobile & Online Banking.
    • Bank at an ATM. Check your balance, deposit cash or checks or make a withdrawal at our network of TD Bank ATMs. Find one near you.
    • Find an open store nearby. Use our store locator to find out if there's an open store nearby. Once you get there, use our virtual check-in so you can wait outside or in your car until it's your turn (see how it works).
    • Schedule an appointment. If you need to access a safe-deposit box at a store that is temporarily closed, you can schedule an appointment. Once you get there, use our virtual check-in so you can wait outside or in your car until it's your turn (see how it works). If you have a smartphone, it's as easy as scanning the QR code on the check-in sign at your TD store. Learn more about using QR codes.
  • If I need to get my banking done at a store, what's the safest way to do it?
    We encourage you to use the drive-thru whenever possible. For some services—like closing a loan, accessing a safe-deposit box or getting documents notarized—call your local store ahead of time to schedule an appointment. Use our store locator to find an open store.

  • What should I do if COVID-19 is affecting me financially?
    If you're a TD Customer and you've been affected by COVID-19, we're here to help. Personal banking Customers can call 1-888-751-9000 for assistance. Business banking Customers can visit our business resources page or call 1-888-751-9000.

  • How long does it take for deposited funds to become available?
    For ATM and Store and check deposits (including drive-thru), the first $100 is available immediately and the remaining funds are typically available the next business day, unless a hold is placed. Deposits made after 8 p.m. ET or on a weekend or holiday require an additional business day.

    Mobile deposits are generally available the next business day, unless a hold is placed. Deposits made after 8 p.m. ET or on a weekend or holiday require an additional business day.

    Learn more about our Funds Availability policy.

  • Will COVID-19 affect Customer Service or other services that TD Bank provides to me or my business?
    If you have any questions, you can call us at 1-888-751-9000. While we're aiming to give all our Customers the extra help they need during this tough time, you may find longer wait times on the phone. Know that we're working hard to address your needs as soon as possible and appreciate your patience during this time.

  • Where can I learn more about COVID-19?
    We suggest turning to the World Health Organization and U.S Centers for Disease Control and Prevention for the latest information.

  • Personal Financial Relief

  • Business relief & resources

back to topTop

Mobile Check Deposit

Q. Why should I write “For Mobile Deposit” on a check?

A. It is important to include “For Mobile Deposit” handwritten below your signature in the endorsement area on the back of your check. This will help protect you from fraud and prevent the check from intentionally or accidentally being re-deposited at a bank branch.

Q. Why is my check not being accepted for deposit?

A. If your check photo is unclear, the system may have difficulty reading the information presented on the check. We recommend placing your check on a dark surface that is well lit and is devoid of shadows when you snap your check images. Other scenarios that may affect the processing of your check include

  • The check amount is difficult to read
  • The check amounts do not match in both places it is presented
  • The check is date future-dated
  • The check has previously been deposited


Q. How will I know if my check deposit worked?

A. Upon completion you will get an email from service at oceanfirstonline dot com with a subject line that reads: “Receipt from OceanFirst Bank” indicating that the check has been received. Once the check has been reviewed, you will receive a second email notifying you that the check has been approved.


Q. How do I check the status of a deposit?

A. After depositing a check, you can find deposit details and an image of your check by tapping “Check Deposit,” then selecting “History” near the top of the screen. Any checks you have deposited within the last six months will be displayed. After a check has been approved for deposit you will also see it listed as a transaction on the account details screen.


Q. Why would a check not be approved?

A. Generally checks are declined if they are:

  • Future dated
  • Not endorsed
  • Mismatched: The name on the account is not a match to the check payee
  • Suspected of fraud

If you have any questions regarding why your check was declined or need assistance, please call our Customer Care Center at 1-888-623-2633, option 3.


Q. When will my check funds be available to me?

A. The time it takes for your mobile deposit to clear will vary depending on when the deposit is made and prior activity. Funds are generally available the next business day.

Checks submitted before 6:30pm Eastern time on a business day:

  • Will result in $200 made available the next business day with the remaining funds up to $5,000 available the second business day.

Checks submitted after 6:30 pm or on a non-business day:

Will be processed the next business day, however we may delay availability if we require further review of the deposit or if you are a new customer.



Related Topics

Downloading the Mobile App




Can I deposit a check at an ATM?

Here are some things to consider the next time you need to deposit money during non-banking hours:

Locate an ATM: If your bank has an ATM nearby, and it accepts deposits, you’ll naturally want to use that one. This may help you avoid fees and delays with accessing your money once it’s deposited. If you’re in a different neighborhood or out of town, you may still be able to deposit checks in an ATM.

First, make sure the ATM takes your type of bank card and that it accepts deposits. Smaller ATMs located in convenience stores, for instance, may only dispense cash, so check for a deposit slot.

Sometimes, it’s a matter of choosing an ATM that’s in your bank’s network. The Allpoint Network, for example, has 55,000 ATMs that a large number of banks and credit unions belong to. This allows its customers to deposit cash or checks in many of its ATMs. You can check to see if your bank participates here. If it doesn’t, just ask your bank which ATMs will accept your deposits so you won’t waste time searching.

Come prepared: When you’re ready to make your deposit, gather all of the items you’ll need. Bring your bank debit card and (memorized) PIN, your signed check (or cash), a filled-out bank envelop (only if the ATM requires one) and a pen in case you need to fill out anything else. You’ll be well organized, and other customers waiting in line will thank you.

Be cautious: Before stepping up to the plate, be sure that your surroundings are safe, secure and well-lit. Keep cash hidden from view, and never let anyone see your PIN.

Follow instructions: Each ATM works a little differently, but the instructions on the screen will guide you from one step to the next. Some ATMs ask you to insert and quickly remove your card while others ask you to leave it in until your transaction is complete. Either way, this is generally how it works:

  1. Insert your card and enter your PIN.
  2. Choose the “Deposit” option.
  3. Select which account you’d like the money to go to (usually savings or checking).
  4. Type in the amount of money you’re depositing and insert your check. If the ATM can read checks, you won’t even need to enter the amount.
  5. Confirm the dollar amount you see on screen.
  6. Answer any remaining questions, take your receipt and make sure you have your bank card before walking or driving away.

If you have multiple checks or bills to deposit, many ATMs allow you to insert them all at once, without using an envelope. Some ATMs let you insert up to 30 checks and 50 bills at one time.1 Otherwise, checks and cash can be placed in a bank envelope as usual.


How quickly can I get money after I deposit a check into my checking account? What is a deposit hold?


Your bank or credit union may have a different timetable for check deposits made through your mobile phone (i.e., by taking a photo of the check within your institution’s mobile banking app).  Be sure to ask your bank or credit union for this policy.

Generally, if you deposit a check or checks for $200 or less in person to a bank employee, you can access the full amount the next business day. If you deposit checks totaling more than $200, you can access $200 the next business day, and the rest of the money the second business day.

If your deposit is a certified check, a check from another account at your bank or credit union, or a check from the government, you can withdraw or use the full amount on the next business day if you make the deposit in person to a bank employee.

If you make a check deposit at an ATM at your bank, you can withdraw or use the full amount on the second business day.

Your bank or credit union has a cut-off time for what it considers the end of the business day. If you make a deposit after the cut-off time, the bank or credit union can treat your deposit as if it was made on the next business day. A bank or credit union’s cut-off time for receiving deposits can be no earlier than 2:00 p.m. at physical locations and no earlier than noon at an ATM or elsewhere.

The amount of time a bank or credit union holds funds you deposit by check is sometimes referred to as a “deposit hold” or “check hold”. Some banks or credit unions may make funds available more quickly than the law requires, and some may expedite funds availability for a fee. If you need the money from a particular check, you can ask the teller when the funds will become available. A receipt showing your deposit does not mean that the money is available for you to use.

It may take longer for you to access your deposit for a few reasons:

  • If you have a new account or if your account has been overdrawn too many times in the past six months;
  • If you make a deposit over $5,000;
  • If you make a deposit at an ATM owned by someone other than your bank or credit union; or
  • If the bank or credit union reasonably believes the deposited check may be uncollectible.
  • If you or your bank redeposit a check that has been returned unpaid
how do i deposit a check at an atm

4 Replies to “How do i deposit a check at an atm”

  1. भाई न्यू बैंक जो ट्रांसफर करेंगे तो पासबुक कान्हा से मिलेगा

  2. Yes - you can change from sole prop to LLC. A separate EIN is best since you don't have to use your SS#.

Leave a Reply

Your email address will not be published. Required fields are marked *