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flmomfl | My bank is closed today, if I deposit my paycheck into the atm will funds be available right away? |
Would it be better to just wait til Monday to deposit with a teller?
THANKS!! |
 |
 
tampico
|
Actual funds are not available until the check you are depositing clears the bank of origin (since most money transfers are done electronically, the delay is minimal on payroll checks). Deposit at the ATM today.. since most banks have times deposits are posted to the account, such as Next business day, after 3pm deposits aren't posted until after midnight of the next business day... it's pretty convoluted... at least a deposit slip will cover any automatic fees in your account. However, the funds may not be available to you to get cash back at the ATM machine.
DaveB mentioned over drafts.. this is true, the bank will withdraw funds before posting deposits.. it's their way of charging overdraft fees. so as long as you have enough money for your requested cash withdrawl, you'll be fine. |
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ericlexus69
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i would call the 800# of your bank and ask them. my bank gives me a 400.00 credit to my debit card automatically if i use the ATM for check deposit. I'm sure this could be different with different banks. the only way i found this was by calling their customer service number on my bankcard. |
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DAVE B.,The Old Man
|
funds may not be available unless the computer gets it into the files. I wrote a check one day,5 minutes later transferred money from savings to checking right at a branch of the bank,next day I was told I was over drawn,because it wasn't posted in time for that days business. They did pass on a charge for me,though |
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ArtsyGirl
|
no, however...Bank of America gives you the first $100 right away |
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TP
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I don't think it would be available today. I'd wait until Monday |
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gpatrick900
|
If you need the Cash right away. Take it to the bank it is drawn on and cash it. You will need a photo ID. There may be a fee for this even if it is drawn on their bank. It usually $3.00 |
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chicpower
 |
Wait until Monday. Funds likely won't be available. |
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annenymous
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it depends on your bank's policy. you might try depositing the check at the atm, then checking for your balance, then making the withdrawal. |
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Gene
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My credit union WILL give you immediate credit on all deposits. If the funds are not in the envelope they will reverse them as soon as they find out |
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F T
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No it's a holiday weekend, wait until Monday. |
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Garacaius
 |
NO....wait until Monday and ask the teller when you can draw on the check. |
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precious_52806
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funds wont be available till the next busniess day |
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skybelle24
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Your better off waiting till Monday..most banks only let you have access to the first $100. If you are depositing to clear a check, the deposit won't cover it.. |
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george 2
 |
not only will the funds NOT be available right away, but even if you deposit it when the bank is open, they usually don't make the funds available for 5 to 7 days. |
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