If I deposit a check into an ATM, are the funds available right away? | Consumer Financial Protection Bureau (2024)

No. There is no requirement to make funds from a check immediately available for withdrawal.

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. Some banks or credit unions may let you withdraw deposits made at an ATM sooner.

If I deposit a check into an ATM, are the funds available right away? | Consumer Financial Protection Bureau (2024)

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