Yes, most banks let you deposit checks at ATMs, but not all ATMs work the same way
You can deposit a check at an ATM if your bank offers mobile check deposit or has ATMs equipped with a check scanner. The process is straightforward: insert your check, endorse the back, and follow the on-screen prompts. The money typically appears in your account within one to two business days, though some banks post it faster.
The catch is that not every ATM accepts checks. ATMs at your bank's branches almost always do. ATMs at other banks, convenience stores, or gas stations usually do not. If you are unsure whether a specific machine accepts deposits, look for a deposit slot or check the bank's website to find ATM locations that offer this service.
Some banks also let you deposit checks through their mobile app by photographing the front and back of the check. This is even faster than walking to an ATM and works from home, but it requires a smartphone and the bank's app.
Key Takeaways
- ATM check deposits work at most bank branches and some off-site ATMs, but you need to confirm your bank offers this service at that specific machine.
- You must endorse the back of the check (sign it) before inserting it into the ATM, just as you would for a teller deposit.
- Funds from ATM deposits usually post within one to two business days, though some banks credit them the same day.
- Mobile app check deposits are faster and more convenient than ATM deposits if your bank offers them.
- Checks deposited at ATMs outside your bank's network may take longer to clear or may not be accepted at all.
How to deposit a check at an ATM step by step
First, endorse the check by signing the back. Write "For deposit only" above your signature if you want extra security, though it is not required. This prevents someone else from cashing the check if it gets lost.
Insert your debit card and enter your PIN. Select "Deposit" or "Make a Deposit" from the menu. The ATM will prompt you to insert the check into the deposit slot, usually face-up or face-down depending on the machine. Follow the on-screen instructions—some machines scan the check immediately, while others ask you to confirm the amount before accepting it.
Once the ATM accepts the check, it will print a receipt showing the deposit amount and your new balance. Keep this receipt until the deposit shows up in your online banking. If something goes wrong—the machine rejects the check or the amount does not appear in your account after three business days—you will have proof of the deposit.
Which banks and ATMs accept check deposits
Nearly all major banks now offer ATM check deposits at their own branch locations. This includes Chase, Bank of America, Wells Fargo, Citibank, and most regional banks. Credit unions typically offer this service too, though policies vary by institution.
The challenge is using ATMs outside your bank's network. Some banks let their customers deposit checks at partner ATM networks, but many do not. For example, if you use a bank that is part of the Allpoint network, you may be able to deposit at participating ATMs nationwide. However, a small local bank might only allow deposits at its own machines.
The best way to know is to check your bank's website or call customer service and ask which ATMs accept check deposits. Many banks list this information under "ATM locator" or "deposit services." If you travel frequently or live far from a branch, this is worth confirming before you need it.
How long it takes for the money to show up
Most banks post ATM check deposits within one to two business days. Some banks are faster—certain institutions credit deposits the same day if you deposit before a cutoff time, usually 9 p.m. or midnight. Weekend and holiday deposits typically post on the next business day.
The actual clearing time—when the check clears the other bank—can take longer, sometimes three to five business days. However, your bank usually makes the funds available to you before the check fully clears, so you can spend the money even if the other bank has not processed it yet.
If you need the money urgently, ask your bank about its specific deposit timing. Some banks offer next-business-day posting for ATM deposits, while others stick to the standard one to two days. This information is usually in your account agreement or on the bank's website.
What happens if the ATM rejects your check
ATMs reject checks for several reasons: the check is damaged or torn, the amount is illegible, the signature is missing, or the check is too old. If the machine spits out your check, it will usually display a message explaining why. The check is returned to you immediately, so you have not lost it.
If the ATM accepts the check but it does not appear in your account after three business days, contact your bank right away. Bring your receipt and the cancelled check (if you still have it) to a branch, or call customer service. The bank can investigate whether the check was lost in processing or if there was a technical error.
In rare cases, a check may be rejected during the clearing process if the other bank finds a problem—a missing signature, a post-dated check, or insufficient funds on the issuer's account. Your bank will notify you if this happens, and the funds will be removed from your account.
Mobile app check deposits as an alternative
If your bank offers mobile check deposit, you can photograph the front and back of the check using your phone and submit it through the bank's app. This is often faster than an ATM deposit and works from anywhere—home, work, or while traveling.
The process is simple: open the app, select "Deposit Check," take clear photos of both sides of the check, enter the amount, and submit. Most banks post these deposits within one business day, and some credit them immediately. You still need to endorse the check and write "For mobile deposit only" on the back for security.
The main limitation is that not all banks offer this service, and some have deposit limits—for example, a $5,000 maximum per transaction or $10,000 per month. Check your bank's app or website to see if mobile deposit is available on your account.
When you should deposit at a teller instead
If your check is damaged, very old, or has any unusual markings, deposit it with a teller instead of an ATM. Tellers can handle checks that machines reject and can answer questions on the spot if something looks wrong.
Large checks—especially those over $10,000—are sometimes better deposited with a teller because they can verify the amount immediately and answer questions about hold times. If you need the money urgently and your bank offers next-business-day posting for teller deposits, a teller may be faster than an ATM.
If you do not have a debit card or your card is not working, you cannot use an ATM. In that case, visit a branch during business hours and deposit with a teller. You will need your account number and a form of ID.
Frequently Asked Questions
Do I have to endorse the check before putting it in the ATM?
Yes. You must sign the back of the check before inserting it into the machine. The ATM will not accept an unsigned check. Writing "For deposit only" above your signature adds a layer of security but is not required.
What if I deposit a check at the wrong bank's ATM?
Most ATMs at banks other than yours will not accept check deposits at all. If a machine does accept it, the deposit will go into your account at your own bank, not the ATM's bank. The check will be routed through the clearing system to your bank. Stick to your own bank's ATMs to avoid confusion and delays.
Can I deposit a check made out to someone else?
No. The check must be made out to you or to you and another person. If it is made out to someone else, that person must endorse it to you, and you may need to deposit it with a teller rather than an ATM. Policies vary by bank, so call ahead if you are unsure.
How much can I deposit at an ATM?
Most banks do not have a per-deposit limit for ATM check deposits, but some cap the number of checks you can deposit at once—usually five to ten checks per transaction. If you have more checks, you can make multiple deposits or visit a teller. Check your bank's terms for specifics.
What if the ATM keeps the check?
ATMs do not keep checks. If the machine accepts your check, it scans it and returns it to you in the deposit slot. If it rejects the check, it returns it immediately. If you do not retrieve your check after a few minutes, contact the bank—it may have been held for inspection, but this is rare.