Can You Cash a Check at an ATM?

Side view of curly man in foraml suit using street ATM to withdraw cash from his account; a businessman is using an outdoor cash dispenser to increase his account.
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In the realm of banking conveniences, ATMs have long been a cornerstone. Most people depend on them for withdrawals but can you cash a check at an ATM? Here’s what you need to know.

Can You Cash a Check at an ATM?

Most ATMs do not allow you to cash a check directly as they are typically designed for check deposits and cash withdrawals. When you deposit a check at an ATM, the amount is not immediately available as cash. Instead, the check amount is added to your account balance after processing, which can take a few business days.

How Does ATM Check Deposit Work?

Depositing a check at an ATM involves a few simple steps:

  1. Locate an ATM: Ensure the ATM accepts check deposits.
  2. Insert your card and enter your PIN: Access your account using your ATM card.
  3. Choose the deposit option: Select the account you wish to deposit into.
  4. Prepare your check: Endorse the back of the check and, if needed, fill out a deposit envelope.
  5. Insert the check: Follow the ATM’s instructions for inserting the check.
  6. Confirm the amount: Verify the amount the ATM reads from the check.
  7. Complete the transaction: Follow any additional instructions and finalize your deposit.
  8. Receipt confirmation: Opt for a receipt as proof of your deposit.

Acceptable Checks for ATM Deposits

While you can’t cash checks directly at ATMs, you can deposit them. Most ATMs accept:

  • Personal checks: Checks written from one individual to another.
  • Cashier’s checks: Checks guaranteed by a bank, often used for significant transactions.
  • Government checks: Such as tax refunds or other government-issued checks.
  • Payroll checks: Checks issued by employers for salary or wages.

Always ensure the check is properly endorsed on the back before depositing it at an ATM.

Tips for Using ATMs for Check Deposits

When using ATMs for check deposits, consider these essential tips to ensure a smooth and secure transaction:

  • Check the processing time: Understand your bank’s processing times for check deposits made at ATMs.
  • Know your limits: Be aware of any deposit limits your bank may have.
  • ATM safety: Always use ATMs in secure, well-lit areas.
  • Hold onto your check: Keep the physical check until you’re sure the deposit has cleared.
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Where Else Can You Cash a Check?

If you don’t have access to an ATM or prefer a different method, consider these alternatives for check cashing:

  • Bank branches: Visit your bank’s branch and cash your check with a teller. This is a reliable option, especially for larger sums.
  • Retail stores and check-cashing services: Many supermarkets, department stores and dedicated check-cashing businesses offer check cashing services, often for a fee.
  • Mobile check deposit: If you have a bank account with mobile banking facilities, you can use their app to deposit your check digitally. After the check clears, you can access the funds.
  • Post office: In some regions, postal offices offer check-cashing services.

When using these services, be aware of any fees or limits that may apply, and always ensure that the establishment or service is reputable and secure.

Final Take

So, while the answer to can you cash a check at an ATM is typically no, ATMs still play a crucial role in modern banking, offering convenient deposit options. Remember to explore other avenues for cashing checks, such as bank branches, retail stores or digital banking services.


Here are the answers to some of the most frequently asked questions regarding cashing a check at an ATM.
  • Can I cash a check at an ATM?
    • No, you generally cannot cash a check directly at an ATM. Most ATMs are designed for depositing checks, which are then processed and added to your account balance. The funds from the check are not available immediately as cash.
  • When you deposit a check in an ATM, is it available immediately?
    • No, when you deposit a check at an ATM, the funds are not available immediately. The deposited check needs to be processed and cleared by the bank, which can take a few business days. Some banks may offer immediate access to a portion of the deposit under certain conditions.
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Editor's note: This article was produced via automated technology and then fine-tuned and verified for accuracy by a member of GOBankingRates' editorial team.


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