If you deposit a check into an ATM not owned by your bank or credit union, it is allowed to take even longer.
The law generally requires funds you deposit at someone else’s ATM to be made available for withdrawal on the fifth business day following the banking day on which the deposit was made. There are situations where your bank or credit union may take longer to process your deposit, including for new accounts, for the portion of a deposit over $5,000, or for accounts with prior frequent overdrafts.
