Can You Cash a Check at an ATM? Can You Deposit? Answered

Short Answer: While you can usually deposit a check at an ATM, there are fewer banks that allow you to cash a check at an ATM. This is to protect banks from the risk of a bounced check, and also because ATMs only have a limited amount of cash on hand for withdrawals. For more details on cashing or depositing checks at an ATM, see below.

Can You Cash a Check at an ATM?

While you can deposit checks at most ATMs, you usually cannot cash a check at an ATM. There are a few reasons for this. First, ATMs have a limit to the amount of cash stocked inside the machine. Second, and more importantly, banks want to ensure the check you deposit has the funds in the issuing account to cover the amount of the check. If the bank issues you the cash on the spot but the check bounces, that puts the bank at risk. It doesn’t make financial sense for the bank to hand over cash from the ATM before knowing if the check is good.

This is why banks typically won’t allow access to funds from a check you deposit for at least one business day. You can withdraw cash from the ATM if you have additional funds available in your account, but the cash from the check you are depositing won’t be available immediately. For a list of 30+ places that cash checks, see our article.

Can You Deposit a Check at an ATM?

Yes, you can deposit a check at most ATMs. There are some rules in place, but depositing a check through an ATM is fairly standard bank practice. You will have to meet three main requirements:

  1. You must have an ATM card, debit card, or check card first. You can’t use an ATM without a card of some sort.
  2. The ATM has to be a deposit-smart ATM. Many ATMs are still withdrawal-only and don’t have a place for you to insert the check.
  3. You have to use an ATM owned by your bank. You can’t deposit checks at ATMs that do not belong to your bank.

To deposit a check through an ATM, you’ll need to insert your card like you would to make a cash withdrawal. From the menu screen, look for an option to make a deposit and specify to which account. Be sure your check is endorsed. If you’re depositing multiple checks, some ATMs allow you to insert them as a stack, while others will require a bank envelope. Verify your transaction to complete it.

Rules

We’ve researched some of the top banks in America and their associated ATM check policies. Unfortunately, none of them offer check cashing through ATMs, but all of them offer ATM check deposit. We’ve also included information on which banks have smartphone apps, in case you would prefer mobile check deposit over running out to an ATM.

Bank of America

  • Can you cash a check at the ATM? No
  • Can you deposit a check at the ATM? Yes, you can deposit up to 10 checks at a time, depending on the ATM, if all of your checks were made with magnetic ink (as in, not printed off of a personal computer).
  • Smartphone app: Available for Apple and Android
  • Find your nearest Bank of America ATM

BMO Harris Bank

Capital One

Chase Bank

Citibank

Fifth Third Bank

HSBC Bank

PNC Bank

Regions Bank

  • Can you cash a check at the ATM? Yes, but check cashing service may not be available for all types of checks.
  • Can you deposit a check at the ATM? Yes, you can deposit up to 20 checks or 50 bills at a time.
  • Smartphone app: Available for Apple and Android
  • Find your nearest Regions Bank ATM

SunTrust Bank

TD Bank

Wells Fargo

U.S. Bank

In Summary

Most ATMs do not cash checks. However, virtually all bank ATMs allow you to deposit checks to your account. If you need a cash withdrawal, your best bet is still to make a normal ATM withdrawal from the available funds in your account. If you prefer fewer trips to the ATM, most banks currently offer smartphone apps where you can scan checks to deposit into your account virtually.

If you’re wondering how much cash you can take out at once, our article explains the ATM withdrawal limits at several big banks.

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19 comments

  • Michelle says:

    I had purchased a money order from Wells Fargo and I filled it out to me. Can I still get a refund back since I don’t have any use for it?

    • Lindsey Desmet says:
      First Quarter Finance logostaff

      Hello, Jay! You cannot deposit funds directly onto your MoneyCard using an ATM; however, if you have a bank account, you can deposit your check to the bank ATM and then transfer the funds to your MoneyCard. You can also cash the check and deposit it to your MoneyCard at any Walmart store. You can find more information about your deposit options at the Walmart MoneyCard website.

    • Laura Bachmann says:
      First Quarter Finance logostaff

      Hi,

      Yes, you can use a Citibank ATM to deposit a check into your Citibank account. Even more convenient is mobile deposit. Via their phone app, you can deposit your check from any where.

  • Princess says:

    Hey, o.k so i got my company check. Its a large amount ..
    I have a closed account with wells Fargo..
    And the check is logo with wells Fargo bank..
    Does that mean i have to make a deposit only..instead of cashing it.
    Or can i be able to go through a different bank..or does it have to be the actual bank on the check.

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      Hi,

      Typically, in order to cash a check at a bank, you either need to have an account at that bank, or the check has to be written from that bank. If you have a Wells Fargo check, you can go to Wells Fargo to cash it, whether or not you have an account there. You’ll pay a check cashing fee of $7.50 (for Wells Fargo — it varies among different banks), but Wells Fargo will cash its own checks. If you have an account at a different bank, you can deposit or cash the check there. Usually you aren’t charged a fee to cash or deposit a check at your own bank. I hope this helps!

  • Hi, I have a personal check that i want to cash/deposit to a Prepaid debit card. Can i go to any atm and cash it? If so which ones.

    • William Lipovsky says:
      First Quarter Finance logostaff

      Hello,

      It depends on the type of prepaid debit card you have. If it’s a bank-issued card, like the Chase Liquid card, you can load funds at any Chase DepositFriendly ATM. Adding funds this way is common with many large banks.

      But if you have a generic prepaid card that can be purchased at a store, there’s no seamless way to deposit a check onto the card. What you’ll have to do is cash the check or deposit the check and then you’ll have options. Depending on the card, you can buy a ‘reload pack’ from a retail store, you can add funds directly at the checkout or you can transfer money from your bank account after it has been deposited.

  • Hi, my question requires background info, I have an account at a credit union, and I want to deposit cash via ATM (Wells Fargo), my question is.

    Is this actually possible, can I deposit cash through a ATM to my credit union?

    • William Lipovsky says:
      First Quarter Finance logostaff

      Hi Matthew,

      It’s not possible. For depositing cash, you must use an ATM owned by your bank/credit union. You cannot channel funds to go to any institution.

    • William Lipovsky says:
      First Quarter Finance logostaff

      Hi Tony,

      I made multiple attempts to find out this information but since I don’t have a Citi Bank account, it’s hard to get ahold of anyone. You can call Citi Bank at 1-800-627-3999 and they will have an answer for you.

      • Anton S Yakovlev says:

        Hi Will, thanks for your reply. I’ll try to call them. It could be an issue though, as I’m currently travelling out of US.

  • Is there a limited amount of money the check has to have or it don’t matter for example I have a 14,000 check is that to much or that don’t matter because I’m always busy so I can’t realy be going in line to the counter.

    • William Lipovsky says:
      First Quarter Finance logostaff

      Hi William,

      Very good question although I’m afraid I cannot give you a very good answer. Some institutions set a deposit dollar amount max per day – such as $10,000. Most institutions set a daily max based on the number of checks you can deposit (the majority of institutions). You can let me know the bank of your bank/credit union and I’ll find out. Or, you’ll probably be just fine as most institutions don’t limit based on check amount.