How to Deposit a Check at an ATM | Capital One (2024)

November 2, 2022 |5 min read

    Almost everyone’s been there before: You receive a check, tuck it safely away, then forget to deposit it before the bank closes. Luckily, you can deposit a check (and even cash) into certain ATMs any time of day or night.

    If the idea of giving your money to a machine makes you worry—or you’re just not sure how it all works—the following tips may help put your mind at ease. After all, you should be able to access your money when you need it, and the trusty ATM can help you do just that.

    How to 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.

    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 envelope (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. Other ATMs might require you to place your deposits in a bank envelope.

    Accessing your money

    Now for the all-important question: When will your ATM deposit be available in yourchecking account? Some cash deposits might be available right away.1 As for checks, not all banks follow the same schedule, but you can usually withdraw or use the full amount in two business days—sometimes sooner.2

    Keep in mind that your bank or credit union has a cut-off time for what it considers the “end of the business day,” which can be as early as noon at ATMs.2 That means, if you make a deposit after those cut-off times, the bank will treat the deposit as if it were made on the next business day.

    Making a deposit at an ATM owned by someone other than your bank may also delay your access. So, be sure to give yourself enough time so that your money is there when you need it.

    Banking from home

    If banking on your own time sounds appealing, you may want to check out your bank’s mobile app, which can let youmake deposits from your smartphonewithout leaving the house. After downloading the app and registering your account, you’ll be able to make deposits just by snapping a photo of the front and back of your check. (It only feels like magic the first few times.)

    What’s most important is finding a way to bank that fits your needs. If theATM check depositsuits you and saves you time, great, because banking that works around your lifestyle is always a good thing.

    How to Deposit a Check at an ATM | Capital One (2024)

    FAQs

    How to Deposit a Check at an ATM | Capital One? ›

    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.

    Are checks deposited at ATM available immediately? ›

    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.

    Can I deposit a check at Capital One ATM? ›

    ATM. Customers may deposit paper checks via our Capital One ATM network. Use our Capital One Location Finder to locate an ATM that accepts deposits near you.

    How do I deposit a check at one? ›

    To deposit a check:
    1. Endorse (sign) the back of the check.
    2. Open the One app.
    3. Open Cash Control.
    4. Choose Deposit Check.
    5. Enter the amount of the check.
    6. Tap on Deposit To if you would like to choose another pocket to deposit the check to.

    How long does it take for a ATM check deposit to go through? ›

    Generally, deposits made at an ATM are held for 2 business days unless an exception hold applies. Up to the first $225 will be available on the first business day following the banking day of deposit ("next-day availability). This answer has been viewed 7933 times.

    Can I deposit a check at an ATM that's not my bank? ›

    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.

    How long does Capital One take to clear a check? ›

    In general, deposits into Essential Checking, 360 Checking, Total Control Checking, and Money Accounts are available the next business day. Checks drawn from another Capital One, N.A. account will generally be available the next business day.

    How long does Capital One take to deposit a check? ›

    How soon will my deposit be available? For a mobile check deposit and deposits made at a Capital One location they will usually be available the next business day. Direct deposits or deposits from external accounts, in most cases, should be available immediately once the transfer is complete.

    What's the fastest way to deposit a check? ›

    Depositing a check at a bank or credit union branch is often the quickest way to have access to those funds. As long as the check is deposited before the institution's specified cut-off time, it should be available within a day or two.

    What app will cash a check immediately? ›

    The top instant check cashing apps without verification include Ingo Money, Brink's Money, PayPal, Venmo, Cash App, Chime, and Flare Account. These apps allow you to quickly cash checks by taking photos with your phone for deposit into bank accounts or prepaid cards.

    How can I deposit a check without going to the bank? ›

    Consider a Prepaid Debit Card

    With this option, you can get a debit card that enables you to deposit your check directly – likely by mobile check deposit – onto the card without needing to open an account with a bank.

    How to endorse a check for ATM deposit? ›

    You do a blank endorsem*nt by simply signing your name on the back of the check. Then, when you're at the bank, you tell the teller if you want to cash it or deposit it. People will also do a blank endorsem*nt when they're depositing a check through an ATM or using mobile deposit.

    How much can I deposit at ATM? ›

    You can deposit up to $5,000 in cash in each transaction and up to $10,000 per account each day.

    Does a check clear faster at an ATM or bank? ›

    Depositing a check at an ATM usually isn't any faster than cashing it in person or via a mobile check deposit. It may take longer, as banks are given more time under the law to make funds available from ATM check deposits.

    What bank makes check deposits available immediately? ›

    Many popular banks such as Ally Bank, Axos, SoFi and PNC offer instant mobile deposit availability.

    Are checks cashed immediately? ›

    Most types of checks clear within two business days, though some banks and credit unions are speedier (jump to a list of banks that clear checks faster). Usually the first $200 of a check is made available the business day after the bank receives the check.

    How long does it take for a check to clear once deposited? ›

    Once you receive a check, you may not have immediate access to the full amount when you deposit into your bank account. Usually, it takes up to two business days for a deposited check to fully clear.

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