How to deposit or cash a personal check at an ATM

Can you deposit or cash a check at an ATM?

Most banks allow you to deposit or cash your check at an ATM. Call or Google search “your bank’s name + deposit check” to see if your bank allows for check deposits at ATMs. Some banks may offer a mobile app where you can deposit checks by taking a picture with your smartphone.

So which banks allow you to deposit or cash a check at an ATM?

  1. Bank of America
  2. JPMorgan Chase
  3. Wells Fargo
  4. Citigroup
  5. US Bank

And that’s only the beginning! Check deposits at ATMs are becoming a standard practice for banks.

Luckily for you, I’m going to tell you everything you need to know about check deposits at ATMs. You won’t be wasting your lunch break running to an ATM without check deposits! Your time is valuable, here’s what you need to know.

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Can I deposit or cash a personal check at an ATM?

Most banks allow you to deposit and cash personal checks at an ATM. Call or check online to see if your bank allows for ATM check deposits. Alternatively, some banks allow for mobile app deposits so you don’t have to leave your house.

For example, let’s say you bank at Bank of America. Do a Google search for “Bank of America deposit checks ATM.” One of the first search results is Bank of America’s FAQs on ATM banking.

Bank of America - Deposit check at ATM

You should note that you can only deposit checks at ATMs for which you bank with. In other words, you cannot deposit a check at a Wells Fargo ATM if you bank at Bank of America.

ATM check deposits are convenient if you live or work close to an ATM. However, mobile check deposits are faster. 

With mobile check deposits, you can take a couple pictures through your bank’s mobile app. Your check will be deposited with a few taps or swipes on your phone. Hold onto the check until you’ve confirmed the deposit online.

Again, check to see if your bank does mobile deposits. Google search “Bank of America mobile check deposits.” As you can see, Bank of America does allow for Mobile check deposits with your smartphone and their app.

Bank of America - Mobile check deposit

What types of checks can I cash at an ATM?

Most ATMs will accept deposits of personal checks. Contact your bank for availability of cashing foreign and cashiers checks.

Can I cash a personal check at an ATM without an account?

A bank account is required to deposit money into your account at an ATM. You may only cash personal checks at your bank’s ATM. Alternatively, you can cash the check in person at the issuing bank, visit a cash checking store, or endorse the check.

With an ATM, the money needs to be deposited into your account for withdrawal. ATMs will also require the use of a debit card and PIN number to verify identity. Therefore, you need a bank account to cash a check.

The issuing bank should be able to cash the check for you. Not sure who the issuing bank is? The issuing bank will be listed on the check. You may be charged a substantial fee for cashing a check without a bank account.

You may also visit a cash checking store, like Money Tree. Most grocery store services have the ability to cash checks as well. However, you’ll likely be charged a fee for check cashing services.

You may endorse a check to your close friend with a bank account. To endorse a check, sign your name on the back of the check. Sometimes the back of the check will have a place for you to sign. Once endorsed, your friend can cash the check at their bank without a fee.

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Can I cash a check with insufficient funds?

You may cash a check as long as the issuer has sufficient funds. The check will bounce if the person who wrote the check doesn’t have enough money in their account. However, if you owe money then the bank may withhold a portion or all of your check.

How to deposit or cash a personal check at an ATM

To deposit or cash a check at an ATM, start by endorsing the check. Once the back of the check is signed, insert your debit or bank card into the ATM. You’ll be prompted to enter your PIN to verify your identity. Next, follow the steps on screen for check cashing. When prompted, insert your check into the ATM slot for checks.

Can someone else cash the check for me?

Someone else can cash the check for you if you endorse the check. Sign the back of the check and write “pay to the order of” and your friend’s name. Your friend may now cash the check at their bank and give you the money.

Obviously, you should only endorse a check to someone you trust. You are giving ownership of all money to the person endorsed.

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Summary: How to deposit or cash a personal check at an ATM

As you can see, most ATMs will allow you to deposit or cash a check. However, you will need a bank account with the bank at the ATM you’re choosing to use. A check may not be deposited at an ATM without a bank account.

Check cashing stores and the issuing bank can also cash your check without a bank account. However, both check cashing stores and the issuing bank will charge insane fees. Instead, find a friend with a bank account and endorse the check to them.

ATM check cashing may be convenient if you work or live by an ATM. However, a lot of banks also allow for mobile deposits. Simply install the bank’s mobile app and you can deposit your check with a smartphone.

To deposit a check, simply use your bank’s ATM as normal. The ATM will require a debit or bank card with your PIN number. Follow the on screen prompts for check cashing or deposits.