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How Long Does It Take a Check Deposit at the ATM to Clear?

Learn how long it takes for a check to clear after you deposit it at an ATM and how soon you can withdraw the money.

Chase Bank ATM Check Deposit
Chase Bank ATM Check Deposit

Posting and clearing times for checks deposited at the ATM are different at every bank but understanding how the process works can give you a better idea of when you can get your hands on the cash.

An analysis by MyBankTracker indicated a check will take anywhere from two to 11 business days to clear, depending on the size of the check, how long you've had your account and what bank the check is issued from.

When Does a Check Deposit at the ATM Clear?

Even though your balance may reflect the full amount of the deposit on the day it's posted, your check hasn't actually cleared at this point.

The bank is essentially giving you credit for the money but the funds still have to be released from the account of the person or company who wrote it.

Assuming there are no problems, this process can take anywhere from 2 to 11 business days, depending on the size of the check, how long you've had your account and what bank the check is issued from.

Take a look at the table below to compare posting times and funds availability at the top 10 U.S. banks. (Keep in mind a bank's branch posting and cut-off times may vary with the location.)

ATM Deposit Cutoff Times at Top 10 U.S. Banks

Bank Name ATM Deposit Posting Time Funds Availability
Bank of America 5pm local time $200 available the first business day after deposit; remaining funds available the second business day
Branch Banking and Trust (BB&T) 6pm, excluding weekends and federal holidays $100 available on the day of deposit; remaining funds available the next day unless a longer hold is required
Capital One 9pm ET $200 available next business day; remaining funds available the second business day
Chase 11pm ET Deposits available the next business day; if a 2-day hold applies, the first $200 is available the second business day
Citibank 10:30pm Generally available the same business day
PNC Bank 10pm/ET $100 available on the day of deposit; remaining funds available the second business day
SunTrust 12pm local time Generally available the next business day
TD Bank 8pm local time $100 available on the day of deposit if your account has been open 90 days or longer
U.S. Bank 6pm local time (8pm local time at deposit envelope ATMs) $200 available the day of deposit; remaining funds available the next business day
Wells Fargo 4pm Mon-Thurs., 6pm Fridays, local time Generally available the same day; $200 available on the next business day if a hold applies

Related: The Time It Takes for a Check to Clear at Top 10 Banks

ATM Deposit Cutoff Times and Account Posting

While you can make a check deposit at an ATM at any time during the day or night when you put it in makes a difference in terms of when it actually posts to your account.

At the top banks, the cutoff time for deposits made at the window is either 2 p.m. or the end of the business day, with the exception of TD Bank, which gives you until 8 p.m.

The cutoff times for ATM deposits, however, vary substantially from one bank to another.

Chase customers, for instance, have until 11 p.m. ET to get their check to the ATM in order for the transaction to post the next day, but if you bank with SunTrust, you'll need to make your deposit by noon.

Generally, if you wait until after the cutoff time, your check will be included in the next business day's processing, which means it would take an extra day to post.

For example, if you made a deposit at a SunTrust ATM at 2 p.m. on a Tuesday, it would be processed at the end of a day on Wednesday and post to your account on Thursday.

Tip: Any ATM deposits made the day before a weekend or holiday won't post until the second business day.

Same-Day Availability vs. Next-Day Availability

When you deposit checks at the ATM, the money doesn't show up in your account right away.

Typically, if the check is for more than a couple of hundred dollars, the bank will hold a portion of the deposit.

TD Bank, for instance, makes the first $100 of a check deposited at the ATM available that day but the remaining amount wouldn't hit your account until the next day, assuming you got it in before the posting cutoff time.

Here's an explanation of how long it would take to deposit cash.
Here's an explanation from TD Bank's website of how long it would take to deposit cash.

Each bank has its own guidelines for determining what amount of an ATM deposit must be held and for how long.

TD Bank's $100 same-day availability rule only applies to accounts that have been open for 90 days or more.

If your account has been open less than 30 days, the entire check can be held for 7 to 10 days to allow the bank to verify it.

Besides the age of your account, there are a few other factors that can determine when check funds deposited at the ATM become available.

For example, it's fairly standard for banks to initiate a longer hold when you're depositing $5,000 or more worth of checks.

It's also not uncommon for banks to do so if you've had repeated overdrafts on your account or there's reason to believe that the check you're depositing won't be paid by the other party's bank.

What If the Check Deposit Bounces?

One thing to be aware of is what can happen if a check you deposit ends up being returned for insufficient funds.

In that situation, the bank would debit the amount of the deposit from your account and also charge you a Returned Item fee, even though you're not the one who wrote it.

At the top U.S. banks, this fee ranges from $10 to $40, depending on the type of item that was returned.

On top of the Returned Item fee, you may also be looking at overdraft charges if you spend the money before the bank determines that the check is no good.

Overdraft fees range from $34 to $36 at big banks, which can really add up if you have multiple transactions that go through prior to having the check taken back out of your account.

Tip: If you're unsure on whether a check will clear, you can always cash it at the bank at which it was issued.

There's usually a small fee for doing so (if you're not a customer of that bank) but it's less than what you'd have to pay if the check was returned.

Check Deposits Made at Another Bank's ATM

Although it's not as common, some banks will allow you to make deposits to your account using another bank's ATM if they have a relationship with that bank.

TD Bank customers, for example, can deposit checks through any ATM that's listed as an NYCE Shared Deposit machine. Many community banks and credit unions also offer this service.

While it may be convenient to use a shared deposit ATM, it can slow down the processing of the check even further.

At TD Bank, using a shared machine can add as much as 5 to 7 days or more before the check posts to your account.

Deposit your checks using a phone with these new top online banks:

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Ask a Question

disqus_7CBYyxezHo
Monday, 30 Aug 2021 3:47 AM
<p>2105 huh? You are from the future!!</p>
Thursday, 31 Dec 2020 5:57 PM
<p>If a check was deposited into a account at wells Fargo for 5000dollars and the check is from because and I got 300. How long will it take to clear. I sold my furniture and my appliances its been 3 days today</p>
Thursday, 31 Dec 2020 5:49 PM
<p>How can I get a second chance bank account</p>
MyBankTracker
Wednesday, 11 Mar 2020 2:17 AM
<p>Yes, you should be fine depositing that check at an ATM.</p>
disqus_I8rRTrk7W3
Monday, 16 Dec 2019 2:49 PM
<p>I would be going to Wells Fargo bank today and the check is coming fro sun trust.<br>the money is $3950,and my question remains as thus:would it be possible to cash the cheque today from ATM?</p>
franciskutsjnr
Saturday, 09 Nov 2019 8:21 AM
<p>I went to check clearing store to clear my check to my account and the deposit was pending because it was$120 dollars and the next day it reflected in my welsfargo aaccount and later it was taken again this is my first time clearing a check in a clearing store someone should please help me..Is the cheque deposit suppose to reflect as EF ATM deposit?</p>
disqus_tybq32nMgA
Thursday, 07 Nov 2019 1:18 AM
<p>I have deposited a personal check into my savings account for with bank of the Sierra but the check is from Bank of America it is the amount of 1000.. I checked my balance it's says it their but my avaliable balance shows different how long before I get my funds</p>
MyBankTracker
Tuesday, 21 May 2019 5:21 PM
<p>The best answer would come from the bank. It is possible that the deposit was found to be rejected after the hold.</p>
disqus_20yT0xCIpV
Saturday, 16 Feb 2019 1:29 PM
<p>Good morning the hold on my deposit was removed but funds are still not available what could be the problem</p>
Friday, 18 Jan 2019 3:13 AM
<p>My zelle transfer is available tomorrow but what time can i access the funds</p>
Friday, 18 Jan 2019 3:11 AM
<p>My zelle payment will be available tomorrow,what time can i access the funds?</p>
Saturday, 02 Dec 2017 2:32 PM
<p>Hi when a ATM deposit check is made and it reads pending how long does that take ? First time ever making one... just asking</p>
disqus_pg3fS3GsD6
Friday, 29 Sep 2017 8:58 PM
<p>Eva,</p><p>This article was written before the end of February 2015, so more than a year before your comment was posted. I assume (perhaps I shouldn't) it was correct when it was published. The data in the table above showing "Posting Time" and "Funds Availability" is identical to what was shown in this article back on Feb 27 2105. There has been some minor edits to the article since then, but the data in the table is the same as it is now (Sep 29 2017).</p>
Saturday, 01 Jul 2017 10:30 PM
<p>I deposited a 270$ check , and its saying my balance is 2.11$ why am I not tying any of my money ?</p>
MyBankTracker
Monday, 30 Jan 2017 5:21 PM
<p>Yes, you can.</p>
Wednesday, 14 Dec 2016 5:35 AM
<p>My bank of America acount was open for two week now i work and get paid a personal check can i deposit that check in the atm </p>
Friday, 11 Nov 2016 9:02 AM
<p>Miles,<br>No only the first $300 any check after that won't be available :)</p>
Friday, 11 Nov 2016 8:59 AM
<p>Steph,<br>Depending on the type of account that you have banking with your Bank. There are multiples type of checking.....Most common standard account would give you a portion and the rest available on the next business day. Unless your check amount is too large and its depending on the how long you have been banking with them...Less common account consider Opportunity or 2nd Chance Checking Account for people whose have issue with check systems, so their account are very restricted. No Funds are available until check is clear thru. Your best bet is go talk to the banker at the branch that you open your account because they might open you the wrong type of account. FYI @ U.S Banks each branch have their own ways of customer services. At the branch that I open my account I can cash my check $1,984.55 since I have been with them over two years even to I barely left any money in my bank. But they Value the relationship each and every of their accounts holder and making exception. The rest of the other U.S Bank only allow me to take out $100 and the rest will be available 5-7 business days.</p>
SimonMBT
Sunday, 18 Sep 2016 6:50 AM
<p>The largest bill that you'd get from the ATM can vary by bank (and even by ATM). For example, with Chase, certain ATMs (not all of them) are able to provide bills as high at $50 or as low as $1.</p>
Monday, 29 Aug 2016 6:32 PM
<p>Are $20 bills the maximum now<br>At ATM Or any have gone to $50<br>Bill ??</p>
SimonMBT
Wednesday, 22 Jun 2016 6:03 AM
<p>While the bank may have guidelines set forth regarding check deposits, the actual funds availability of each is determined on a case by case basis. It is likely that the entirety of the funds will be available immediately, but don't be surprised if you have to wait until the next business day for that to happen.</p>
disqus_XIJ4pOLF6C
Friday, 17 Jun 2016 3:37 AM
<p>Can someone help me with my question lol</p>
disqus_XIJ4pOLF6C
Friday, 17 Jun 2016 3:34 AM
<p>Someone help me out with this question asap please </p>
disqus_XIJ4pOLF6C
Friday, 17 Jun 2016 3:32 AM
<p>If I have an account at renazants bank and I deposit a check of the amount of 750 into the ATM night deposit, and also the check I'm depositing is a check from my customer but with the same bank.....will that money be available right then since it's on the same bank? I know that when you deposit a check inside and it's with that bank, it's available the same day, does this work for a night deposit with different accounts but on the same bank?</p>
SimonMBT
Tuesday, 23 Feb 2016 6:25 PM
<p>No, cash deposits do not need to be cleared. The funds are available immediately.</p>
Tuesday, 23 Feb 2016 2:17 AM
<p>If I make a(cash) deposit in my account (bank of amreica)in Tennessee. ..can it be picked up the same day in California? Or does it have to clear?</p>
Saturday, 09 Jan 2016 11:42 PM
<p>if I deposit a 40 dollar check on sunday will I be able to access that 40 same day at chase<br></p>
rashawnprioleau
Friday, 08 Jan 2016 12:44 PM
<p>Yes u can send it to someone here in the states and have them cash I t and wire u the money back</p>
rashawnprioleau
Friday, 08 Jan 2016 12:43 PM
<p>Yea if you have a friend over in the states that you can endorse and have them send it to you</p>
mileswagman
Wednesday, 06 Jan 2016 8:52 PM
<p>If I deposit a check and get 300 dollars immediately available for use then go an deposit a second check will bank of america release another 300$???<br></p>
SimonMBT
Friday, 24 Jul 2015 2:38 PM
<p>I don't know what bank you use but you should be getting at least a small portion of the check available immediately. So after you deposit your check, the available balance doesn't increase by at least $100 to $200?</p>
Friday, 24 Jul 2015 6:47 AM
<p>None of my check deposits are available immediately. Ever. I'm not even allowed to cash my paycheck there. To use my checking account and have funds available immediately I have to pay to cash the check somewhere else and then deposit cash otherwise I'm waiting several days. Every single time.</p>
Friday, 06 Mar 2015 12:12 AM
<p>Information for Bank of America is completely wrong, The cut off time is 8:00pm not 5:00pm. The first $300 (not $200) is available immediately (not next business day).</p>
Wednesday, 04 Mar 2015 3:11 PM
<p>all cash deposited in TD ATMs is now available. this changed last august.</p>

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