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.

Several banks, including U.S. Bank, PNC and Wells Fargo now allow you to make ATM check deposits without needing an envelope. Image via Shutterstock
Several banks, including U.S. Bank, PNC and Wells Fargo now allow you to make ATM check deposits without needing an envelope. Image via Shutterstock

So 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.)

Bank NameATM Deposit Posting TimeFunds Availability
Bank of America5pm 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 One9pm ET$200 available next business day; remaining funds available the second business day
Chase11pm ETDeposits available the next business day; if a 2-day hold applies, the first $200 is available the second business day
Citibank10:30pmGenerally available the same business day
PNC Bank10pm/ET$100 available on the day of deposit; remaining funds available the second business day
SunTrust12pm local timeGenerally available the next business day
TD Bank8pm local time$100 available on the day of deposit if your account has been open 90 days or longer
U.S. Bank6pm local time (8pm local time at deposit envelope ATMs)$200 available the day of deposit; remaining funds available the next business day
Wells Fargo4pm Mon-Thurs., 6pm Fridays, local timeGenerally available the same day; $200 available on the next business day if a hold applies

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 10 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 with 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 you deposit bounces?

One thing to be aware 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 10 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 iffy 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 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.

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  • Brian

    all cash deposited in TD ATMs is now available. this changed last august.

  • Dave

    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).

    • Steph

      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.

      • 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?

        • Khin Myo Han

          I am from Myanmar.
          Our university has recieved a cashier’s check of JP morgan Chase bank form an organization. We cannot cash from this check in Myanmar banks because of US sanction on Myanmar. So, we have sent back this check to US. We are waiting for wired tranferring of money.
          We would like to know whether it can be transfered cash from check by wire transfer and how long it can take ?
          If there has another way for cashing check, please let me know.

          • Rashawn Prioleau

            Yea if you have a friend over in the states that you can endorse and have them send it to you

        • aung

          I am from Myanmar.
          Our university has recieved a cashier’s check of JP morgan Chase bank form an organization. We cannot cash from this checki in Myanmar banks because of US sanction on Myanmar. So, we have sent back this check to US. We are waiting for wired tranferring of money.
          We would like to know whether it can be transfered cash from check by wire transfer and how long it can take ?
          If there has another way for cashing check, please let me know

          • Rashawn Prioleau

            Yes u can send it to someone here in the states and have them cash I t and wire u the money back

      • NJ

        Steph,
        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.

    • Miles Wagman

      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$???

      • NJ

        Miles,
        No only the first $300 any check after that won’t be available 🙂

        • trice

          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

  • Lisa

    Yea…you have a lot of info on here incorrect

  • John

    if I deposit a 40 dollar check on sunday will I be able to access that 40 same day at chase

  • Yoyo

    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?

    • No, cash deposits do not need to be cleared. The funds are available immediately.

      • Derrick Johnson

        Can someone help me with my question lol

  • Eva

    The information you have listed for many of these banks, is very inaccurate. Suntrust ATM cut off is 9pm eastern, for next day availability. Evan for checks. Even SunTrust branches do next day availability up until close of business. No 2pm cut off like a lot of banks. I have been with them for 10 years and have used ATM check deposit(always after 8pm eastern) and my checks are available the next business day. Just a simple look at their website would have given you the correct information

  • Derrick Johnson

    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?

    • Derrick Johnson

      Someone help me out with this question asap please

      • 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.

  • David Overton

    Are $20 bills the maximum now
    At ATM Or any have gone to $50
    Bill ??

    • 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.