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Deposit Limits

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Is it possible to deposit a large check, ranging from $5,000 to $50,000, at an ATM?

Yes, you can deposit a big check at an ATM. Most banking institutions do not have any specific deposit limits on their ATMs, so you can typically deposit checks of any amount [2]. However, there are a few things to keep in mind when depositing a large check at an ATM:

  1. Endorsement: Make sure to endorse the check before depositing it. This involves signing the back of the check.

  2. Deposit envelope: If needed, use an appropriate deposit envelope for the transaction. Some ATMs require you to place the check in a deposit envelope before inserting it into the machine.

  3. Verification: The bank may hold a large portion of the funds before allowing you to use them. This is done to prevent any potential fraudulent activity. The check will be examined by a bank employee to ensure its authenticity [2].

  4. Third-party ATMs: If you use a third-party ATM that is not directly affiliated with your banking institution, there may be longer hold periods for the deposited funds. To avoid this, it is recommended to use ATMs that clearly indicate a direct association with your bank [2].

It's important to note that while there are generally no deposit limits on ATMs, there may be withdrawal limits. These limits are usually set at a maximum of $300 to $500 to prevent customers from quickly depleting the machines [2].


Learn more:

  1. Can you deposit a big check at an ATM (e.g., $5000 to $50000)?
  2. Chase Bank: Is There a Limit to How Much You Can Deposit at an ATM? - Encyclopedia.com
  3. What Happens If You Deposit More Than $10,000 in the Bank?
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