ATMs are no longer just for withdrawing cash. In 2025, many banks have adopted deposit automation, allowing customers to deposit checks and cash without envelopes or slips. This feature improves speed, accuracy, and convenience while helping banks modernize their ATM networks.
What Is Deposit Automation?
Deposit automation eliminates the need for paper envelopes when making ATM deposits. Instead, customers insert checks or cash directly into the machine. The ATM scans and counts the items instantly, provides an image of the check on your receipt, and updates your account balance faster than traditional methods.
This process reduces errors and increases transparency, giving you confidence that your deposit has been processed correctly. Combined with cardless ATM options, it makes banking quicker and more user-friendly.
How Automated Deposits Work
- Insert your debit card or use mobile wallet access.
- Select “Deposit” from the ATM menu.
- Insert cash or checks directly into the deposit slot.
- The ATM scans and verifies your deposit in real time.
- You receive a digital or printed receipt with images for confirmation.
Most machines also allow you to set preferences such as customized transaction settings for receipt type or preferred account deposits.
Which Banks Offer Deposit Automation?
Major banks like Bank of America, Chase, and Wells Fargo have widely implemented deposit automation across their networks. Regional banks and credit unions are gradually upgrading their ATMs to include this functionality as part of broader ATM technology improvements.
If you’re unsure whether your local ATM supports automated deposits, check your bank’s ATM locator or mobile app for machines labeled “deposit-enabled.”
Benefits of Deposit Automation
- Faster processing: No need for envelopes or slips.
- Improved accuracy: Digital imaging verifies checks instantly.
- Transparency: Receipts include images for proof.
- Convenience: Deposit multiple checks or bills in one session.
- Extended availability: Access deposits even when branches are closed.
For business owners or frequent cash users, automated deposits can reduce trips to the branch and support higher cash handling limits.
The Future of ATM Deposits
Deposit automation is just one part of the ongoing modernization of ATMs. Banks are combining it with features like biometric authentication, remote video assistance, and fee-free ATM access to provide a faster and more secure experience.
Final Thoughts
Deposit automation is transforming ATMs into full-service banking hubs. By eliminating envelopes and slips, banks give customers a faster, more accurate, and more transparent way to manage their money. If your bank offers this feature, using it can save you time and provide added peace of mind when depositing cash or checks.
For more on the future of ATMs, explore our ATM Technology hub, where we cover innovations that are reshaping how people access cash and banking services.