When you deposit a check at an ATM, the availability of funds depends on the bank's policies, but generally:
- If you deposit a check at your own bank's ATM before the cut-off time (usually around 8 p.m. local time), a portion of the funds (for example, $100 to $275 depending on the bank) may be available the same day or the next business day.
- The full amount of the check is usually available by the second business day after the deposit.
- If you deposit the check after the cut-off time or on a non-business day (weekend or holiday), the deposit is considered to be made on the next business day, which can delay availability.
- For very large deposits or new accounts, longer holds may apply.
In summary, you can expect to access at least part of your check deposit the next business day, with full access typically available by the second business day after the deposit is made at the ATM, assuming it's your bank's ATM and the deposit is made before the cut-off time.
