Finding a Suitable ATM
Before starting your cash deposit, you need to locate an ATM that accepts cash deposits. Not all ATMs offer this feature, so:
- Use your bank's website or mobile app locator tool
- Check if your bank is part of a larger ATM network
- Consider using ATMs in well-lit areas or bank vestibules for safety
- Verify the ATM accepts cash deposits before proceeding
Preparation
Before heading to the ATM:
- Ensure you have your debit card ready
- Count and organize bills facing the same direction
- Remove paper clips, rubber bands, or foreign objects
- Verify bills are not torn or severely damaged
Important: Never insert coins into an ATM. Cash deposits are for paper currency only.
Step-by-Step Deposit Process
1. Insert Your Card and Login
- Insert your debit card into the ATM
- Enter your PIN while covering the keypad
- Choose your preferred language if prompted
2. Select Deposit Options
- Choose "Deposit" or "Cash Deposit" from the main menu
- Select the account type for your deposit:
- Checking account
- Savings account
- Money market account
3. Insert Cash
- Follow the on-screen instructions carefully
- Modern ATMs accept stacks of bills at once
- Older machines might require one bill at a time
- The ATM will count and display the total amount
4. Verify and Complete
- Confirm the counted amount matches your deposit
- Choose whether to print a receipt
- Wait for transaction completion before leaving
When Funds Become Available
| Deposit Time | Availability |
|---|---|
| Before 9 PM | Same day |
| After 9 PM | Next business day |
| Weekends | Next business day |
Safety Considerations
- Shield the keypad when entering your PIN
- Be aware of your surroundings
- Choose ATMs in busy locations
- Don't walk away until the transaction is complete
- Keep your receipt as proof of deposit
Troubleshooting Common Issues
If you encounter problems during your deposit:
- Cancel the transaction if possible
- Remove your card
- Contact your bank immediately if:
- The ATM fails to process your deposit
- The receipt shows an incorrect amount
- The deposit doesn't appear in your account
Tips for Success
- Check ATM deposit limits before proceeding
- Use your own bank's ATM to avoid fees
- Verify funds through online banking or mobile app
- Consider mobile banking apps for check deposits as an alternative
For more information, visit:
- NerdWallet's guide on using ATMs
- Federal Deposit Insurance Corporation
- Your bank's ATM locator tool (e.g., Bank of America)