How To Use An ATM To Deposit Money

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People usually consider ATMs (Automated Teller Machines), or cash-points, as an area for withdrawing cash from a checking account . However, many ATMs allow you to deposit money also . The method varies by bank and ATM, and you ought to ask your bank’s policies and follow the prompts at the ATM, but the subsequent steps are generally relevant to most ATM deposit transactions.

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The way to Make ATM Deposits

Be prepared. Make a habit of bringing everything you would like . attempt to move as efficiently as possible in order that you’ll get your cash safely into the ATM and avoid holding up the road . Beyond your open-end credit and private number (PIN), bring the subsequent items:

  • A pen for endorsing checks and filling out a deposit slip. Bank-provided pens could also be missing or out of ink.
  • A deposit slip, if your bank requires one. Grab a couple of extras so you’ll fill these out before arriving at the ATM subsequent time you create a deposit. Plus, you never know if they’ll run out.
  • An envelope, if your bank requires one. Again, grab a couple of extras if your bank requires a specific sort of envelope.

How To Deposit take advantage an ATM

If you’re familiar with making bank deposits inside physical branches but none are open, your only option for a cash deposit is an ATM. For cash deposits, different ATMs have alternative ways of accepting cash, but the method usually involves putting the cash directly into a delegated slot.

Depositing Without an Envelope

Verify that the ATM accepts no-envelope deposits. this is often increasingly becoming the quality in ATMs at bank branches, and it’s becoming more common in other locations. search for notices on the screen or on the machine itself.

  • No-envelope ATMs usually have clearly-marked, separate slots for checks and cash.
  • Insert your card, enter your PIN, and follow the prompts to form a deposit. The ATM will verify at some point whether you’ll make no-envelope deposits.

Determine when deposits are going to be credited to your account

This may vary by financial organization .

  • One advantage of non-envelope cash deposits is that the cash is instantly available in your account because it’s been scanned and confirmed. Envelope cash deposits, on the opposite hand, got to be opened, counted, and entered. If you would like to feature funds to your account directly and don’t have access to a bank branch, a non-envelope cash deposit could also be your best bet.
  • Check deposits will still require time to clear after being posted; one commercial bank considers non-envelope check deposits made by 8 pm to be posted that business day, and it should clear on the second business day after (posted Monday, cleared Wednesday, for example).


  • ATM deposit procedures vary by machine and bank. Follow the instructions on the screen for the foremost accurate directions.
  • Many banks and credit unions offer apps to permit you to deposit a check by photographing each side of it together with your phone. If you want to save lots of a visit , determine if your bank offers such an app.


  • Do not forget to require your card with you when finished.
  • Take care . It’s best to stay your PIN and other financial details hidden outside ATMs. ATM locations are sometimes susceptible to scamming and robberies.
How To Use An ATM To Deposit Money

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