Many people wonder whether they can deposit cash or checks at any ATM they find nearby. While you can often withdraw cash from out-of-network machines, deposits are a different story. Most banks restrict deposits to their own ATMs or partner networks. This guide explains how ATM deposits work, when you can use another bank’s machine, and safer alternatives for getting money into your account.
How ATM Deposits Normally Work
When you deposit money at an ATM, the machine must scan, verify, and securely transfer funds to your account. Because this requires coordination between the ATM’s bank and your own, most deposits are limited to in-network machines. Out-of-network ATMs usually allow withdrawals only.
- In-network ATMs: Belong to your bank or credit union and accept deposits directly into your account.
- Out-of-network ATMs: Typically only handle withdrawals, not deposits.
- Shared networks: Some credit unions and partner banks allow deposits across a shared ATM network.
Can You Deposit at Any ATM?
The short answer is no. Most ATMs that don’t belong to your bank will not accept deposits for your account. If you attempt it, the machine will usually reject the transaction. Here’s why:
- Fraud prevention: Banks only trust their own deposit verification systems.
- Settlement delays: Out-of-network ATMs can’t guarantee funds transfer times.
- Operational limits: Many machines simply aren’t configured to take deposits from outside banks.
Banks That Allow Deposits at Shared ATMs
There are exceptions. Certain banks and credit unions participate in shared ATM networks that let members deposit funds at partner machines. Examples include:
- Co-op Credit Union Network: Many U.S. credit unions allow deposits at over 5,000 shared ATMs.
- MoneyPass & Allpoint: Primarily withdrawal networks, though some partner banks enable limited deposit features.
- Regional bank partnerships: Some local or regional banks share ATM infrastructure to expand deposit options.
What Happens If You Try at Another Bank’s ATM?
In most cases, the ATM will not even offer a “Deposit” option if you insert a card from a different bank. If it does, the deposit may be rejected or delayed significantly. Funds availability and error resolution are much faster when you use your own bank’s machine.
Safer Alternatives to Out-of-Network Deposits
- Mobile check deposit: Most banks let you deposit checks instantly using their mobile app.
- Branch teller: The most reliable way to deposit large cash or checks.
- Cash reload networks: Prepaid cards and digital banks (like Netspend, Chime, or Cash App) allow cash reloads at retail stores.
- Wire or ACH transfer: For larger transfers, electronic methods are faster and safer than cash deposits.
FAQs on Depositing at Other Banks’ ATMs
Can I deposit cash at a non-bank ATM? No. Most third-party or convenience store ATMs don’t accept deposits at all.
Do credit unions allow out-of-network deposits? Yes, many credit unions in the Co-op Network allow shared deposits at partner machines.
Can I deposit money for Cash App, Chime, or Venmo at an ATM? Usually no. These services rely on retail reload partners instead of ATMs.
Is it safe to use an out-of-network ATM for deposits? It’s not recommended. Even if the machine accepts it, processing delays and errors are more likely.