Yes, in most cases you can deposit a check at an ATM, but it has to be the right kind of machine and you need to follow a few key steps.

Quick Scoop: Can I deposit a check at an ATM?

  • Many modern bank ATMs accept both cash and check deposits, 24/7.
  • You usually must use:
    • An ATM owned by your bank, or
    • An “in‑network” ATM that explicitly says it accepts deposits.
  • Some small or stand‑alone ATMs (like in convenience stores or gas stations) only let you withdraw cash and don’t take deposits.
  • You still need to endorse (sign) the back of the check and follow the on‑screen prompts, just like you would at a teller.

Basic steps to deposit a check at an ATM

  1. Insert your debit/ATM card and enter your PIN.
  1. Choose “Deposit,” then pick the account (checking or savings).
  1. Select “Check deposit” if the ATM offers separate options for cash vs. checks.
  1. Endorse the check on the back (sign it, and if your bank requires, add “For mobile/ATM deposit only”).
  1. Insert the check into the deposit slot:
    • Many newer ATMs scan the check directly and read the amount.
 * Older machines may require a deposit envelope (the ATM screen will say so).
  1. Confirm the amount shown on screen and complete the transaction.
  1. Choose whether you want a receipt (sometimes with an image of the check).

Things to watch out for

  • Availability of funds:
    • Your bank may not make the entire amount available immediately; some or all can be held for 1–2 business days or longer, especially for larger or non‑local checks.
  • Limits and restrictions:
    • Some banks have daily or per‑deposit limits at ATMs and may treat certain checks (e.g., foreign, very large, or suspicious items) differently.
  • Card and network rules:
    • If you use an ATM outside your bank’s network, you may not be allowed to deposit at all, only withdraw.

Mini FAQ

Do I have to use my own bank’s ATM?
Usually yes, or at least an in‑network machine that explicitly allows deposits for your bank.

Can I deposit multiple checks at once?
Many newer ATMs let you insert several checks in one batch; others require one check at a time or use an envelope.

Is it safe?
ATM deposits are standard banking practice; just be sure the ATM is in a secure, well‑lit location and always take your card and receipt with you.

Information gathered from public forums or data available on the internet and portrayed here.