How to Make ATM Deposits to Your Bank Account

Learn how to deposit checks and cash at your bank ATM and non-network ATMs.

Making ATM deposits into your bank account can be done in less than a few minutes. Keep reading to find out how to navigate ATMs, whether you’re depositing cash or a check.

How to Deposit Cash in an ATM

If you’re accustomed to making a bank deposit inside but the bank is closed, you can make an ATM deposit.

ATMs are available anytime during the day, night, weekends and even on holidays. Follow these steps if you’re making a deposit at your local bank ATM:

  1. If you are at your bank’s ATM, you might be required to put your debit card in.
  2. Enter your pin number.
  3. The screen will prompt you to choose your account: savings or checking.
  4. The next screen should prompt you to enter the amount you want to deposit.
  5. You will be asked to enter the cash in a slot when the machine is ready to receive your funds.
  6.  After it has received the money, it will ask you if you’d like a receipt.
  7. Take your receipt and you are done.

When making cash deposits through the ATM, as long as it is made before the ATM cutoff time, the money should be available immediately. You will want to check with your bank regarding how soon you can access those funds.

Can You Deposit Cash at Any ATM?

If you go on vacation and your bank is not in the area, would you be able to deposit your cash at any ATM? Before you start trying ATMs all over town, here is what you need to know.

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You can deposit cash at any ATM, here’s how it works:

  1. You will be required to insert your debit card.
  2. Enter your pin number.
  3. You will be asked to choose whether you are making a deposit or withdrawal.
  4. You will enter the amount you want to deposit.
  5. You might have to use an envelope to place the money in and write the amount on the envelope. Some ATMs don’t require envelopes.

How to Deposit a Check at an ATM

People often receive checks from employers, as gifts or as a form of payment for goods and services. If you’re wondering, “Can you deposit a check at an ATM?” The answer is yes.

Depositing checks at your bank’s ATM can be done quickly. The steps are as follows:

  1. Sign your check on the back for deposit only.
  2. Insert your card and enter your pin.
  3. Follow the prompts on the screen.
  4. Your bank might allow you to submit up to 30 checks at a time.
  5. You will be prompted to verify the checks on the ATM screen prior to completing the transaction.
  6. You might be asked if you’d like the check images on the receipt.
  7. Make your receipt selection.

Check with your bank teller to find out what the limitations are on the maximum deposit amounts. Be sure to ask if there are consequences for exceeding those amounts.

Related: How to Read and Write a Check

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Card-Free ATM Access for Wells Fargo Customers

To keep up with technology, Wells Fargo has developed an app. The steps for depositing cash without your card are as follows:

  1. You can use any Wells Fargo ATM all over the world without your card.
  2. Wells Fargo has its own mobile app and you are able to use it if you’re a Wells Fargo customer.
  3. Customers can log on to the app and request an access code, which is just for you.
  4. Once you are at the ATM, you will input that code and your regular PIN to complete the transaction.

ATM Fees

Whether you are depositing cash or a check in an ATM, all ATMs are not created equal. Some might require envelopes, while others might be envelope free. When you are using your bank ATM, there is usually no fee. However, when you are using an ATM that is a non-network machine, you might be charged a fee. You could also be charged a fee when you are using an ATM that is operated by another bank.

Utilizing an ATM to deposit cash or checks into your deposit account can save you time when you’ve had a busy week. They are available at all times. Whether you go to a bank or an ATM at another bank, the procedure can vary as well as a possible fee. Make sure you know the rules of your bank when it comes to using an ATM.

Up Next: Highest and Lowest ATM Withdrawal Limits at Chase, Wells Fargo and 14 Other Banks

Editorial Note: This content is not provided or commissioned by the bank advertiser. Opinions expressed here are author’s alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program.

About the Author

Dr. Taffy Wagner is a Denver-based writer specializing in personal finances, healthcare and homeownership. She has more than 15 years of writing experience, and her worked has appeared in Black Bride and Groom, Black Bride and Military Spouse Magazine. She has been quoted in U.S. News and World Report, The Wall Street Journal, Denver Business Journal, LearnVest and other national outlets regarding personal finances and healthcare.