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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

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Does it take longer before I can withdraw money if I deposit a check using an ATM instead of inside the bank/credit union?

Probably. If you deposit a check at an ATM instead of inside a bank or credit union, your bank or credit union has more time under the law to make the funds available. If you deposit a check into an ATM not owned by your bank or credit union, it is allowed to take even longer.

The law generally requires funds you deposit at someone else’s ATM to be made available for withdrawal on the fifth business day following the banking day on which the deposit was made. There are situations where your bank or credit union may take longer to process your deposit, including for new accounts, for the portion of a deposit over $5,000, or for accounts with prior frequent overdrafts.

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