If I deposit a check into an ATM, are the funds available right away?
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No. There is no requirement to make funds from a check immediately available for withdrawal.
The number of days before funds are available varies depending on the bank or credit union. If you make a deposit at your own bank’s ATM, it could take up to 2 business days before you can withdraw the funds.
If you make the deposit at a different bank’s ATM, the law generally requires funds to be made available for withdrawal on the fifth business day following the banking day on which the deposit was made, though some banks or credit unions may let you withdraw deposits sooner.