If you are facing internet trouble or do not have the time on your hands to visit a bank during office hours, then cashing a check can be a problem. In this case, you can ask if can you cash a check at an ATM. Definitely, you can use the ATM services to cash or deposit a check. ATMs can be a much safer option for you if you are busy with your work as you can go anytime and get services 24/7. So how to cash a check at an ATM?
Now obviously we will describe the entire procedure of how to cash or deposit a check in the ATMs. But before that, you should know the support services that are available in these ATMs and if can you go to every ATM for this process.
Internet banking nowadays has become quite commonplace for every user. However, what happens if your internet server is down? Can you cash a check at the ATM? Yes, cashing a check through ATM services can be an option for you in case you have no access to internet banking services.
Even though it can be a more complicated procedure than directly going to a bank, it is very possible to cash a check at an ATM. However, you should know that all ATMs do not allow check deposits. So, it is better to know whether a certain ATM has this option enabled or not. That’s why we are going to inform you about the procedure of cashing a check and list out all the available options for you.
Can I Go to an ATM to Cash or Deposit a Check?
Now, if you are wondering if can I cash a check at an ATM you are at the right place. In that case, you have to really see which ATMs allow this procedure as some of them do. Additionally, there are also withdrawal limits as well so you can not exceed your cash limit on a daily basis.
If you are going to check your funds immediately then it is better for you to go to an ATM with a check scanner. This entire procedure of cash check at ATM can be termed as a cash advance from the bank’s point of view. If you have a pretty low available balance then definitely it is treated like a cash advance.
As far as the deposit of a check is concerned, most banks support this procedure. However, apart from the personal bank account, you might well require certain personal items-
- You will definitely need your ATM or Debit card for any work in the cash check ATM.
- You will need a ballpen to fill up the deposit slip as well as for signing the check.
- Sometimes you might require your extra deposit slip.
- In case the bank wants an envelope on your check. However, most of the ATMs with check scanners will work without them.
Now you have a general idea of whether you can you cash checks at ATM, we will go through the process of how to do it.
The Procedure to Cash or Deposit a Check at the ATM
Other than the aforementioned items like your ATM card, Debit card, and an endorsed check you will also need an available sufficient balance on your personal account. Without this balance, you might not be able to get access to a cash check ATM. However, the depositing process does not require this. Here are the following steps that you have to go through
Put in Your ATM/Debit Card
Firstly, if you want proper access to your account you have to bring your personal ATM/Debit card. Then insert the particular card into the ATM machine.
Enter Your Personal Four-Digit Pin
In order to proceed further you will have to punch in your four-digit pin number. After this, there will be more prompts that you will have to follow to move on to the next steps.
Tap on the Cash Check/Deposit Check option
In the next step, you will probably see the Cash Check option. However, in some other cases, there will be the Deposit Check option. Now if you see the cash-back option that means you can take a certain portion of your check amount as cash. In some other cases, if this option is not there then you will have to use the deposit check option. In this way, you can easily deposit your check.
Sign the Check
Now before you move forward to insert your check you will need to sign on its backside. This signing procedure is crucial and please check it before proceeding further. This is where a pen can be essential for you. Additionally, you should be extra careful with your endorsed check as if it is lost by you then anybody can cash it out.
Insert the Endorsed Check
After you have signed the check and verified the account you can go ahead and insert it into the ATM. Then you will have to verify the check amount to proceed further. In case the ATM does not want an envelope it will move ahead with the scanning procedure to read your check amount.
The scanning process of your check will continue as it is important for you to double-check or review your information. And if this final verification is interrupted then your account will be put on hold and your transaction will fail instantly. On the other hand, if everything goes smoothly then you can easily withdraw the amount in cash from your check.
However, you have to remember that you have the accessibility to withdraw a certain portion of your amount in cash from the ATMs. In this case, the checks can be around the amount of $5000 or more. It can also be varied on the ATMs due to their differences. So all you have to know is that a certain portion of your funds, around about a few thousand dollars will be put on hold.
Types of Checks That are Accepted for Cash in ATMs
Now that you have understood the entire procedure to cash or deposit a check in an ATM you might ask what type of checks can be accepted in these ATMs. In that regard, the answer can be pretty easy as after the verification process you will find out that there are certain checks that will be verified much more quickly.
Compared with other types of checks Government checks can be much easier to verify for cash from the ATMs. In this case, you can get pretty quick access to your funds as you can have the amount straightaway where you can email a check.
Now in terms of personal checks, you might be asking if can you cash a personal check at an ATM. Well in that case these personal checks are pretty much accepted in most cash check ATMs. However, you might get access to funds for around $200 after one day as the banks are only allowed to give you access to that certain number.
In the case of any kind of cashier or foreign checks, you might have to wait longer as there is no way you will be able to utilize the cash amount straightway.
Which ATMs to Use for Check Cashing?
In case you are asking can you cash a check at an ATM? One of the best ways you can cash a check is through ATMs. However, if you have a bank account connected to that ATM things can be a lot easier for you. Now that you know how to cash a check at an ATM, here are some major banks, with ATMs that allow cashing for a check or even depositing checks. Read on:
JP Morgan Chase
The Chase ATMs can be an amazing choice if you want cardless access to a cash check ATM. It is one of the main ATMs to provide service if you’re asking can I cash a check at an ATM? Even if you have forgotten your Debit card at home, with the help of your mobile wallet you can get access to these ATMs.
Now in case of cashing a check without ID, they can easily get the funds and withdraw them on the next working day.
Bank of America
If you want a better ATM limit that goes up to $1000 while cashing a check then Bank of America might be the perfect option for you. Plus the method is extremely simple and it will not charge any fees. Now, in the case of a cash check at ATM, you can get the funds as soon as the next business day.
Next up, is the TCF Bank ATM, which also accepts checks for cashing. However, the main advantage of employing their services is that their average check cashing fees are very low. Compared to other services, TCF Bank ATM asks for 1.5% of your check value. This service does not charge any extra fee for cashing any checks, as you can also get the money within a couple of days.
Wells Fargo ATM
Wells Fargo ATM services are another viable cash check at ATM option. It can complete the entire procedure by itself, so you do not have to worry about the process. The ATM here scans your check automatically and shows your total on the screen. You can also easily adjust the amount on your checks, and ask for a printed image of the check on the receipt.
If you would like to cash a check and get the funds on the same day, US Bank is probably the only option for you. In their ATMs, you can insert your checks without an envelope, and get the funds instantly. However, the main caveat of their services is that for all the noncustomers of this Bank, you have to pay an extra fee of $5 for their services.
|Name of the Bank ATMs||Fees for ATM usage||The time needed to cash a check|
|JP Morgan Chase||$8 for non-customers||Next working day|
|Bank of America||N/A||1 day|
|TCF Bank||N/A||2 days|
|Wells Fargo ATM||$7.50||1 day|
|US Bank||$5 for non-customers||Same day|
Other Resources Available for Cashing a Check
Suppose, you do not have any access to ATMs in your area. What should you do to cash a check then? Well, we can suggest a few alternatives:
Visit the Bank That Issued Your Check
If you have time, you can visit the bank that issued the particular check then the verification process of your check can be smoothly handled. The checking of authenticity will be achieved much quicker and you can get funds really fast. You have to bring the endorsed check and some verified ID.
Getting Help from Your Personal Banks or Credit Unions
If you have a personal account with a Credit Union or any other Bank then you can easily go to them for cash or a check. If you are an existing customer of that bank then you also have free access to their services. As soon as you cash the check you can get the funds. You just need to carry the endorsed Check and some verified IDs to the bank.
Third-party Check Cashing Retailers
Now, in case you do not have access to any ATM in your area, or you do not have the luxury to wait, to get the cash in your hands. In such a scenario, you definitely can have a look at some third-party check-cashing retailers. You will require the endorsed check and two government-issued IDs. Some of these retailers are
- Jewel Osco
- Food Lion
- Money Services
Even though these are good alternatives, you have to note that you have to pay certain fees for these services. However, you also have to note that these are not financial institutions. As a result, there are limitations on check types.
Q1. Can you cash a check at an ATM at any time?
In case you have to cash a check at an ATM you can do it anytime. However, that particular ATM where you are going to cash check at ATM has to accept checks. You might also have to wait for a couple of days to get the funds in your hands.
Q2. How long does it take to cash a check at an ATM?
It all depends on the schedule of the banks as most of them do offer this procedure within a couple of days. In some other cases, it might take less time. In some of the bank ATMs, you might get the funds within the same day if you deposit the cash before 8 a.m. locally.
Q3. Can I write a check to myself and cash it at an ATM?
In case you have written a check to yourself then you will definitely need to visit the branch for the cashing of your check. And for that reason, you have to go through a seller in the Bank. In this case, you have to use an ATM that is attached to your bank.
ATMs are a good solution for people with no internet accessibility or time to visit banks, to cash a check. One of the major benefits of using it is that it accepts every type of check, whether it is government-issued or personal.
If you are looking to avoid extra fees, use an ATM account that is linked to your personal bank account. If you do not want to wait a day or two to get funds, you can definitely have a look at all the other resources that can help you to get the job done. To wrap it up, ATMs are a great and convenient way of getting instant cash without having to break your back.