How to Deposit a Check at an ATM: 7 EASY Steps

Depositing a check at an ATM is a convenient way to handle your banking without waiting in line at a branch. Whether it’s after hours or you simply prefer self-service, modern ATMs make check deposits quick, secure, and easy. 

But how to deposit a check at an ATM? In this guide, we’ll walk you through the process, from preparation to confirmation, so you can confidently complete your deposit.

Why Use an ATM for Check Deposits?

Before diving into the steps, here’s why many people choose ATMs for check deposits:

• 24/7 Access – Deposit outside of bank hours.
• No waiting – Avoid teller lines.
• Quick processing – Funds may be available faster than mobile deposit in some cases.
• Secure – Modern ATMs are equipped with cameras and encrypted systems for safety.

What You’ll Need

Before heading to the ATM, make sure you have:

• Your check
• Your debit or ATM card (or mobile wallet with card access)
• Your PIN
• A pen (to endorse the check)
• An envelope (if your ATM requires it)

How to Deposit a Check At An ATM?

Step 1: Endorse the Check

On the back of the check, you’ll see a designated endorsement area to endorse the check. Sign your name exactly as it appears on the front of the check. Some banks also ask you to write:

• “For deposit only”
• Your account number (optional, depends on the bank)

Tip: If your bank uses mobile banking, avoid endorsing until just before deposit to prevent fraud if the check is lost.

Step 2: Locate a Compatible ATM

Not all ATMs accept deposits, and some may only accept cash. To ensure success:

• Use your bank’s ATM: Many banks only accept deposits from account holders.
• Check the ATM’s features: Look for a label or screen that says “Check Deposit Available” or “Deposit Checks Here.”

Tip: Use your bank’s website or app to locate nearby deposit-enabled ATMs.

Step 3: Insert Your Card and Enter Your PIN

Once you arrive at the ATM:

1. Insert your debit card or tap your phone if contactless access is available.
2. Enter your PIN securely.
3. Select “Deposit” from the on-screen options.
4. Choose the account (e.g., checking or savings) where you want the check deposited.

Step 4: Insert the Check

There are two main types of deposit ATMs:

1. Envelope-Free ATMs

These machines scan the check directly and typically:

• Ask you to insert the check into a slot.
• Show you a scanned image on the screen.
• Confirm the amount it reads (you may be able to edit it if incorrect).

2. Envelope ATMs

Older machines may require you to:

• Place the check inside a provided envelope.
• Write the deposit amount on the envelope.
• Insert it into the deposit slot.

Tip: If the ATM rejects the check, it could be due to folds, tears, or unclear handwriting.

Step 5: Confirm Deposit Amount

The ATM will display the amount mentioned on your check. At this point:

• Double-check the amount.
• If incorrect, many machines allow you to cancel and try again.
• Confirm or accept the amount if it’s accurate.

Step 6: Choose Receipt Option

You’ll be asked if you’d like a receipt:

• Paper receipt: May include a check image or confirmation number.
• Email receipt: Safer and easier to store digitally.
• No receipt: Only if you’re confident and keep digital banking records.

Keep the receipt until the check clears as proof of deposit.

Step 7: Wait for Confirmation

Once complete, the ATM will notify you that the deposit was successful. It may also show:

• Available balance
• Pending balance
• Expected clearing date (some banks place holds of 1–3 business days)

What Happens After the Deposit?

• Processing time: Most checks are processed within one business day.
• Hold policies: Larger checks or new accounts may face longer holds.
• Bank alerts: Many banks notify you via email or app when the funds are available.

Frequently Asked Questions (FAQs)

1. Can I deposit checks from someone else into my account?

You can deposit checks from someone else only if the check is endorsed correctly and your bank allows third-party check deposits.

2. Is ATM deposit safer than mobile?

Both are secure, but ATMs may accept larger checks or process faster depending on your bank.

3. What if the ATM swallows my check?

If an ATM swallows your check, contact your bank immediately with details and the receipt, if you got one. Most banks can track the transaction and credit you appropriately.

Final Thoughts

Now that you know how to deposit a check at an ATM, you can confidently manage your banking needs anytime without waiting in line or rushing to a branch during business hours.

Depositing a check at an ATM is one of the simplest self-service banking tasks you can do. By following these steps, you’ll avoid mistakes, save time, and ensure your money is processed quickly. 

As with any financial task, keeping records and reviewing your bank statements afterward will help maintain clarity and peace of mind.