What Is the Process for Depositing a Check at an ATM?

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What Is the Process for Depositing a Check at an ATM

Depositing a check at an automated teller machine (ATM) offers a convenient way to add funds to your bank account.

But what is the process for depositing a check at an ATM? Let’s dive into the details and understand the step-by-step process involved.

Step 1: Insert Your ATM Card

To begin the check deposit process, insert your ATM card into the designated card slot on the ATM. Make sure the card is inserted with the magnetic stripe or chip facing the correct direction as indicated by the machine.

Step 2: Enter Your PIN

After inserting your ATM card, enter your Personal Identification Number (PIN) using the keypad on the ATM. The PIN ensures the security of your account and authorizes the transaction.

Also Read: Can You Deposit a Check at an ATM?

Step 3: Select “Deposit” Option

Once you have entered your PIN, the ATM will present you with a range of options on the screen. Look for the “Deposit” or “Deposit Check” option and select it to initiate the check deposit transaction.

Step 4: Prepare the Check

Before proceeding, endorse the back of the check by signing your name. Additionally, make sure the check is in good condition, not torn or damaged. Organize any additional checks you wish to deposit.

Step 5: Insert Check into the ATM

Carefully insert the endorsed check into the designated slot provided by the ATM. Follow the on-screen instructions to ensure the check is inserted correctly. Some ATMs may require you to feed the check into a specific slot or tray.

Step 6: Verify the Deposit Amount

After inserting the check, the ATM will display the deposit amount on the screen. Take a moment to verify that the displayed amount matches the actual amount written on the check. If there is any discrepancy, you may have the option to correct it or cancel the transaction.

Step 7: Confirm the Deposit

Once you have verified the deposit amount, confirm the transaction by selecting the “Continue” or “Confirm” option on the ATM screen. By confirming the deposit, you authorize the ATM to process the transaction and credit the deposited amount to your bank account.

Step 8: Collect Receipt and Card

After confirming the deposit, the ATM will process the transaction and provide you with a receipt. The receipt will include details such as the date, time, deposit amount, and any applicable fees. Take the receipt for your records. Remember to collect your ATM card from the machine before leaving.

Step 9: Check Verification and Hold Times

ATMs typically verify the authenticity and validity of the deposited check. The verification process may involve scanning the check and cross-referencing it with databases to detect potential fraud or insufficient funds.

Depending on the ATM and the policies of your bank, there may be a hold period for check deposits, especially for larger amounts. During this hold period, the funds from the deposited check may not be immediately available in your account.

Step 10: Account Update and Funds Availability

Once the check deposit transaction is complete, the ATM will update your account balance to reflect the deposited amount. In most cases, the funds will be available in your account according to the bank’s funds availability policy. You can use these funds for transactions or withdraw them as needed.


Depositing a check at an ATM involves a straightforward process that allows you to conveniently add funds to your bank account.

By following the step-by-step instructions provided by the ATM, you can insert your card, enter your PIN, select the “Deposit” option, insert the check, verify the deposit amount, and confirm the transaction.

The ATM will process the check deposit, update your account balance, and provide you with a receipt for your records.

Disclaimer: The information provided in this article is for general informational purposes only and should not be construed as legal, financial, or professional advice. The use of any information provided is solely at your own risk. Always consult with the appropriate professionals and consider your specific circumstances before making any financial or legal decisions. The author and publisher disclaim any liability for any reliance placed on the information presented in this article.

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