You cannot deposit cash into most ATMs, but ATMs that accept deposits work like a regular teller window

Most ATMs only let you withdraw money. A smaller number — called deposit ATMs or cash-accepting ATMs — can take cash and checks from you and add them to your account. These machines are usually located at your bank's branches, in bank lobbies, or at partner locations. If you need to deposit money and do not have time to visit a teller, a deposit ATM is faster than waiting in line.

The process is straightforward: you insert your card, enter your PIN, select deposit, and feed the cash or checks into the slot. The machine counts the money, shows you the total on screen, and confirms the deposit to your account. Most deposits post the same day or by the next business day, depending on the time you deposit and your bank's schedule.

Key Takeaways

  • Not all ATMs accept deposits — check your bank's website or app to find a deposit-enabled machine near you.
  • You will need your debit card and PIN to use a deposit ATM, just as you would for a withdrawal.
  • Deposit ATMs accept cash, checks, or both, depending on the machine; the screen will tell you what it accepts.
  • Most deposits show up in your account the same day or by the next business day, but timing depends on when you deposit and your bank's processing schedule.

Finding a deposit ATM near you

Your bank's website or mobile app usually has a locator tool that shows which ATMs accept deposits. Search for "ATM locator" or "deposit ATM" on your bank's site, enter your zip code or city, and filter for machines that accept cash or checks. The results will show the address, hours, and what each machine accepts.

If you cannot find the locator online, call your bank's customer service number — it is on the back of your debit card — and ask where the nearest deposit ATM is. Bank branches always have at least one deposit ATM, and many banks place them in lobbies so you can use them outside business hours.

What you need to bring

Bring your debit card and remember your PIN. You will also need the cash or checks you want to deposit. If you are depositing checks, make sure they are signed on the back (endorsed) with your name. Some banks require you to write "For Mobile Deposit Only" or your account number on the back, but most deposit ATMs do not have this requirement — check your bank's rules first.

Do not bring a checkbook or savings account passbook. The ATM does not use these. If you do not have your debit card with you, you cannot use a deposit ATM — you will need to visit a teller during business hours instead.

Step-by-step: depositing cash or checks

Step 1: Insert your card. Slide your debit card into the slot marked for cards. The machine will read it and ask you to enter your PIN on the keypad.

Step 2: Select deposit. The main menu will show options like "Withdraw," "Deposit," and "Balance Inquiry." Touch or press "Deposit."

Step 3: Choose what you are depositing. The machine will ask whether you are depositing cash, checks, or both. Select the option that matches what you have.

Step 4: Insert your money or checks. Follow the on-screen instructions. For cash, the machine will tell you which way to face the bills (usually face up, left to right). For checks, insert them one at a time into the slot. The machine will pull them in and scan them.

Step 5: Confirm the total. After you finish inserting bills or checks, press "Done" or "Finished." The screen will show the total amount the machine counted. Review it carefully. If the amount is wrong, you can cancel and try again, or contact your bank.

Step 6: Confirm the deposit. The machine will ask you to confirm that you want to deposit this amount to your account. Press "Yes" or "Confirm." The machine will print a receipt and return your card.

What happens after you deposit

The money is not in your account instantly. Most banks post deposits made at ATMs the same day if you deposit before a certain time — often 2 p.m. or 5 p.m. — or by the next business day if you deposit after that time. Deposits made on weekends or holidays usually post the next business day.

You can check your balance on the ATM screen right after you deposit, but the balance may not reflect the new deposit yet. Check your account online or through your bank's app a few hours later to confirm the deposit went through. If it does not appear within two business days, contact your bank.

Deposit limits and fees

Most banks do not charge a fee to use their own ATM for deposits. However, some banks set daily or monthly limits on how much you can deposit at an ATM — for example, $5,000 per day or $10,000 per month. These limits vary by bank and account type. Check your bank's website or call customer service to learn about your account has a limit.

If you need to deposit more than the ATM limit, you can make multiple deposits on different days, or visit a teller during business hours. Tellers do not have the same limits and can deposit large amounts in one transaction.

Troubleshooting common problems

The machine rejected my cash. ATMs reject bills that are torn, wrinkled, or too worn to read. Smooth out the bills and try again, or use a different machine. If several machines reject the same bill, your bank can exchange it for you at a branch.

The machine rejected my check. Checks must be endorsed (signed on the back). If you forgot to sign it, the machine will reject it. You can also try a different machine — some are more sensitive than others. If the check is damaged or the printing is faded, a teller may need to process it by hand.

The machine ate my card. If the ATM keeps your card, do not panic. Call your bank immediately using the number on the back of your card (or a number posted on the machine). Your bank can retrieve the card or issue you a replacement. Most banks hold retained cards for a few days before destroying them.

The deposit did not show up in my account. Wait until the next business day. If it still has not appeared, log into your account online or call your bank. Ask them to search for the deposit using the receipt number from the ATM. If the deposit was lost, your bank can investigate and credit your account.

Frequently Asked Questions

Can I deposit money into someone else's account using an ATM?

No. Deposit ATMs only add money to the account linked to the debit card you insert. To deposit money into someone else's account, you need to visit a teller or send them money through a transfer service or payment app.

What if my bank does not have deposit ATMs?

Some smaller banks and credit unions do not offer deposit ATMs. In that case, you will need to visit a branch during business hours to deposit cash or checks. Ask your bank whether they plan to add deposit ATMs, or whether they offer mobile check deposit through their app as an alternative.

Can I deposit checks without a debit card?

No. Deposit ATMs require a debit card and PIN for security. If you do not have a debit card, you must visit a teller. Some banks offer mobile check deposit through their app, which does not require an ATM — you photograph the check instead.

Is it safe to deposit large amounts of cash at an ATM?

Deposit ATMs are secure — the machine is inside a bank or bank lobby, and it scans and counts the money as you insert it. However, be aware of your surroundings when you approach the machine. Do not count large amounts of cash in public, and do not tell others how much you are depositing.

How long does it take for a check deposited at an ATM to clear?

Checks deposited at ATMs follow the same clearing timeline as checks deposited with a teller — usually three to five business days, depending on the bank that issued the check. The deposit shows up in your account the same day or next day, but the funds may not be available to withdraw until the check clears.