Ever wonder what time you need to make your ATM deposit for it to post the same day? Every bank sets its own daily cut-off time, and missing it can delay your funds until the next business day. This guide breaks down deposit posting times by major U.S. banks and explains how to ensure your money clears quickly.
What Is an ATM Deposit Cut-Off Time?
The ATM deposit cut-off time is the latest time you can make a deposit and still have it credited to your account the same business day. Deposits made after this time—or on weekends and holidays—are usually processed the next business day.
- Cash deposits often credit immediately or within hours.
- Check deposits may post later due to verification holds.
- Envelope-free ATMs tend to process deposits faster than traditional ones.
ATM Deposit Cut-Off Times by Bank
| Bank | ATM Cut-Off Time (Local) | Notes |
|---|---|---|
| Chase | 11 PM | Cash available immediately; checks next business day if after 11 PM. |
| Bank of America | 8 PM | Deposits after 8 PM post the next business day. |
| Wells Fargo | 9 PM | Same-day credit for deposits made before 9 PM local time. |
| PNC Bank | 10 PM | ATM deposits credited same day if before 10 PM; after that, next business day. |
| U.S. Bank | 8 PM | Deposits before 8 PM post same day; checks may be delayed for review. |
| Capital One | 9 PM | Cash immediate; checks up to two business days if deposited late. |
| Regions Bank | 8 PM | Cut-off for all ATM deposits; later deposits post next business day. |
| Fifth Third Bank | 9 PM | Same-day posting until 9 PM; next day after. |
| Huntington Bank | 10 PM | Deposits before 10 PM credited same business day. |
How to Check Your Bank’s Cut-Off Time
- Open your bank’s mobile app — many list deposit cut-off times on the deposit screen.
- Check the receipt after an ATM deposit; it often shows whether it was “same-day” or “next business day.”
- Review your account agreement or online FAQs for official timing policies.
- Ask a teller or customer service rep for confirmation if you deposit near closing hours.
Tips to Ensure Faster Deposit Availability
- Deposit before 8 PM local time to guarantee same-day credit at most banks.
- Use envelope-free ATMs for instant verification and fewer delays.
- Avoid weekend deposits if you need next-day access—banks don’t post on Saturdays or Sundays.
- Keep receipts until your deposit clears and shows as “available.”
FAQs About ATM Deposit Cut-Off Times
Do ATM deposit cut-off times vary by location?
Yes. Cut-off times are local to the ATM’s time zone, not your home branch.
What happens if I deposit after the cut-off?
Your deposit is credited on the next business day. Cash may post sooner than checks.
Are cut-off times different for mobile deposits?
Yes. Mobile deposits often have earlier deadlines—typically 7–8 PM local time.
Do envelope-free ATMs process deposits faster?
Usually yes. They verify and credit funds in real time, speeding up availability.
Key Takeaway
Each bank sets its own ATM deposit cut-off time, usually between 8 PM and 11 PM local time. To make sure your funds post the same day, deposit before the deadline, use envelope-free ATMs, and always confirm your transaction receipt.
Learn how long ATM deposits take to clear.
Updated October 2025