Few things cause more panic than an ATM swallowing your cash or failing to show a recent deposit. Whether the machine malfunctioned, jammed, or your deposit simply hasn’t appeared, banks have clear processes to trace and recover your funds. This guide explains how to report a stuck or missing ATM deposit quickly and what happens next.
Common Reasons an ATM Deposit Goes Missing
ATM deposits rarely go missing permanently—most issues occur because of verification delays or machine errors. Here are the most common causes:
- ATM jam or bill reader error: Cash bills not counted correctly or stuck in the intake slot.
- Envelope misread: For older envelope-style ATMs, unclear writing or torn envelopes may delay processing.
- Network outage: Deposit data fails to sync with your account in real time.
- After-hours deposit: Deposits made after the daily cut-off time appear the next business day.
- Manual review required: Large cash or suspicious deposits may need extra verification before posting.
Immediate Steps to Take
- Don’t leave the ATM immediately.
Wait 1–2 minutes in case the machine automatically returns the cash or resets. - Collect your receipt or on-screen reference number.
This proves the deposit attempt occurred—even if funds weren’t credited. - Take photos or notes.
Document the ATM’s location, time, and amount deposited. - Check your online banking.
Sometimes deposits show as pending within an hour even after a delay. - Contact your bank immediately.
Call the number on the ATM or your debit card to file a deposit dispute.
How to File a Missing Deposit Report
Each bank has a defined process for reporting and investigating missing deposits. Here’s what typically happens after you file a report:
- 1. Verify details: The bank will ask for your card number, ATM location, date/time, and deposit amount.
- 2. Investigation period: Most banks take 5–10 business days to review machine logs and video footage.
- 3. Temporary credit: Some banks issue provisional funds while investigating.
- 4. Final resolution: If the machine recorded the deposit but failed to credit it, funds are restored automatically.
| Bank | Typical Investigation Time | Notes |
|---|---|---|
| Chase | Up to 10 business days | May issue temporary credit during review |
| Bank of America | 5–10 business days | Uses video verification for all ATM deposits |
| Wells Fargo | 5 business days (cash), 10 for checks | Tracks each deposit via serial number logs |
| PNC Bank | 7–10 business days | Requires receipt or timestamp to open claim |
| U.S. Bank | Up to 10 business days | Claims can be filed via app, branch, or phone |
Tips to Prevent ATM Deposit Issues
- Use envelope-free ATMs—they count and confirm cash instantly.
- Deposit during business hours when staff can assist if needed.
- Avoid damaged or folded bills to prevent jams.
- Keep your deposit receipt until funds post to your account.
- Use ATMs located at your own bank branch for faster resolution if problems arise.
FAQs About Missing ATM Deposits
What should I do if an ATM keeps my cash?
Stay calm and contact your bank immediately using the number on the ATM. Provide the deposit amount and time of the transaction.
Can I get my money back if an ATM malfunctions?
Yes. Banks reconcile all ATM transactions daily. If the machine’s record confirms your deposit, your funds will be restored.
How long does it take to get a refund?
Most banks resolve claims within 5–10 business days. Complex cases may take up to 45 days if a provisional credit is issued first.
What if I used an ATM from another bank?
Report the issue to your own bank—they’ll coordinate with the ATM owner to recover the funds. This may take slightly longer.
Can I file a claim without a receipt?
Yes. Banks can trace the transaction by time, card number, and ATM ID, but having the receipt speeds up the process.
Key Takeaway
ATM deposit issues are stressful but rarely permanent. Always keep your receipt, document details, and report problems immediately. Banks can trace your deposit through logs and cameras—most missing deposits are resolved within a week.
Learn more about ATM deposit processing times.
Updated October 2025