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Can You Deposit Cash at the ATM?


Can you deposit cash at an ATM? Well, if you ever had that question, the straightforward response is yes. However, it's important to note that not every ATM can handle cash deposits. As with withdrawals, usually, fees are on your bank's terms.

Read More FSB ATM Locations

Key Takeaways

  • Not all ATMs accept cash deposits. Check your bank's website or app to find compatible ATMs.
  • ATM deposits may incur fees. Be aware of your bank's policies and compare costs if necessary.
  • Your bank's ATM offers the best security and processing efficiency. Consider using it for peace of mind.
  • Understand your bank's fund availability and cutoff times to avoid delays in accessing your deposited funds.

Table of Contents

  1. Should You Use Your Bank's ATM for Deposits?
  2. When Will Your Funds Be Available?
  3. How Can I Deposit Money at an ATM?

Should You Use Your Bank's ATM for Deposits?

Using the ATM at your financial institution is the safest and most efficient way to make an ATM deposit.

Using your bank's ATM for cash deposits offers a more secure option:

  • Encryption and Fraud Protection: Most bank ATMs offer advanced security measures to protect your information and prevent unauthorized access
  • Streamlined Processing: Deposits made at your bank's ATM are processed directly through their system, minimizing the risk of errors or delays

Do You Have To Use Your Bank for ATM Deposits?

This varies depending on the state's laws, but some outside financial institutions and third-party ATMs will accept cash and check deposits from external customers when allowed.

Iowa ATM laws only allow onsite (at the bank's physical location) to exclude deposits from non-customers, but few banks implement this exclusion. Check your state's regulations before attempting to make an ATM deposit.

When Will Your Funds Be Available?

While some banks offer instant access to deposited funds, others have processing times that can range from a few hours to several business days. Understanding these timeframes helps you manage your finances effectively.

Reasons for Processing Times:

  • Verification: Banks need to verify the authenticity of your deposit, especially for checks
  • Security Checks: Additional security checks may be conducted for larger deposits or suspicious activity
  • Internal Processing: The bank's internal systems require time to update your account balance

When is FSB's ATM Deposit Cutoff?

Here at FSB, deposits and transfers made after 5:00 PM won't hit your account until the next business day. Every bank has different policies on fund availability and cutoff times, so check with your bank before making any ATM deposits.

How Can I Deposit Money at an ATM?

Depositing cash or checks at an ATM is a straightforward process, but it's always good to be prepared. Here's what you'll need:


  • When depositing cash, make sure your bills are unfolded and in good condition
  • When depositing a check, make sure you endorse it with your signature and "For Deposit Only"
  • Have your debit card available for accessing your account


  1. Find a Compatible ATM: Check your bank's website or app to locate an ATM accepting deposits
  2. Follow the Prompts: Each ATM's interface differs slightly, but the general steps are similar:
    1. Insert your debit card and enter your pin
    2. Select "Deposit" or "Cash Deposit"
    3. Choose the account for your deposit
    4. Follow the instructions for inserting cash or checks
  3. Double-Check and Confirm: Carefully verify the deposit amount on-screen before finalizing the transaction, some ATMs do have limits to have much you can deposit
  4. Keep Your Receipt: This serves as proof of deposit in case of any discrepancies

What Happens if There is an Error During the Deposit Process?

If you encounter any issues during the deposit, immediately contact your bank for resolution. Always keep your receipt as proof of the transaction.


ATM Deposits: A Convenient Banking Solution

Making ATM deposits allows you to bank on your schedule, outside traditional bank hours. By following these simple steps, you can make ATM deposits with confidence and convenience.

Have More Questions?

Contact FSB


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All FSB Branches will be closed on Monday, May 27, in observance of Memorial Day.

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