Depositing a Check at an ATM: How and Where To Do It

Written By
I. Mitic
June 21,2023

If someone writes you a check, or you wish to pay in your wages, you may be wondering how to deposit a check. It’s possible to cash checks, of course, but many people prefer to make a deposit and pay them into a bank account.

There are various ways to do this, including visiting your bank or credit union branch, making an ATM check deposit or even depositing your check electronically if you have a smartphone and the relevant mobile banking app. In this guide, we’ll focus on depositing at an ATM. 

How To Deposit a Check at an ATM

Many banks and credit unions offer their customers the opportunity to deposit personal checks at ATMs. If you wish to make a check deposit, you should follow these steps:

  1. Make sure your bank allows ATM check deposits.
  2. Visit the branch or find an ATM that offers the relevant service.
  3. Endorse (sign) the back of the check or checks you wish to pay in.
  4. Insert your card and follow the instructions on the screen.
  5. Deposit the check when prompted to do so.
  6. Remove your card and take the receipt.

When you visit an ATM, it’s always beneficial to ensure that you have your bank-issued card with you. 

Can I Deposit a Check at an ATM of a Different Bank?

In some cases, it will be possible to deposit a check at an ATM of a different bank. If you bank with TD Bank, for example, you can use any ATM that is part of the NYCE Shared Deposit scheme. Note, however, that not all banks will let you do this, and the check may take longer to clear. 

How Long Does It Take To Deposit a Check at an ATM?

One of the main benefits of depositing a check at an ATM is the speed of the process. If you go to an ATM, the whole process we’ve described above will take just a couple of minutes. 

After you deposit the check, your bank will hold funds during the clearing process. The time it takes to clear deposits varies among banks. Some banks, such as US Bank, PNC Bank, and TD Bank, offer same-day service, with a portion of the check available to withdraw on the same business day.

Most, however, provide a next-day service, which usually enables the customer to draw up to $200 of the deposit.

If you are wondering when your check will clear, check the cut-off times for your bank. Some banks have an earlier daily cut-off than others. Chase, for example, has a deadline of 11 p.m. ET, while TD Bank has a cut-off of 8 p.m. 

Types of Checks You Can Deposit at an ATM

In this section, we’ll discuss the possibility of depositing three common check types.

Can You Deposit a Personal Check at an ATM?

Most customers are looking to deposit personal checks when they want to pay money into their accounts. Banks usually provide this service through a network of local ATMs and branch offices. 

Can You Deposit a Third-Party Check at an ATM?

If you have a third-party check, the process is more complex, as you’ll need to ensure that the third party has endorsed the check. If the third party has signed the check and agreed to “pay to the order of your name,” you should be able to deposit a check at the bank, but you may not be able to use an ATM. An ATM may accept the check, but the bank might want more information before clearing the funds to prevent fraud. 

Can You Deposit a Cashier’s Check at an ATM?

Cashier’s checks are drawn from the bank’s own account. If you have a cashier’s check, you can deposit it at an ATM, provided that you have your debit card with you. 

Security Concerns 

In the vast majority of cases, it’s completely safe to deposit a check at an ATM. There is a chance of errors and delays, and some people might feel more comfortable going into the bank and leaving their check with a cashier.

However, if you follow the instructions carefully and use an ATM in a safe location, you should feel confident using ATMs to deposit your checks.

If you have any queries, don’t hesitate to contact your bank. It’s much safer to deposit checks than to carry large amounts of cash around with you. 

Cashing a Check at an ATM

Some ATMs offer the option to cash a check, but the process may be slightly more complex than going to the bank to cash your check. If your bank offers this service, take your check to the ATM, insert your card, make sure you have endorsed the check and follow the instructions on the screen.

You may need to have the value of the check in your account already to make a withdrawal instantly or use your money for a transaction. 

The Bottom Line

Depositing a check at an ATM is convenient and hassle-free, but it’s important to make sure that you use an ATM that offers this service and ensure that you are ready to make the deposit, and that means you have your bank-issued card with you and the endorsed check. The time it takes for funds to clear will depend on your bank.


Is it better to deposit a check in person or at an ATM?


You can choose whether to deposit a check at an ATM or in person at your bank. Using an ATM may be faster and more convenient, but some people prefer going into the bank. If you have a third-party check or you have a check for a large amount of money, you may wish to go into the bank.

How long does it take for a check to clear when you deposit at an ATM?


The time frame will depend on the bank of your choice. Some banks allow access to a limited sum on the same day or the next business day.

How big of a check can I deposit in an ATM?


Some banks don’t have a limit but check with your bank if you are planning to deposit a check worth over $10,000. It may be wise to go into the bank if you are depositing large sums for added security.

What banks allow ATM check deposits?


Most major US banks offer ATM check deposits, but not all ATMs provide this service. Check with your bank for information about depositing checks using ATMs and use your bank’s website or app to locate ATMs close to you that accept checks.

How do ATMs verify checks?


ATMs use sophisticated technology to verify checks and prevent fraud. When you insert a check, the machine will use software known as optical character recognition software to capture the information on the check. The bank will verify that the information provided by the customer matches the figures and names on the check. 

About author

For years, the clients I worked for were banks. That gave me an insider’s view of how banks and other institutions create financial products and services. Then I entered the world of journalism. Fortunly is the result of our fantastic team’s hard work. I use the knowledge I acquired as a bank copywriter to create valuable content that will help you make the best possible financial decisions.

More from blog