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No-Envelope ATM Deposits

Introducing No-Envelope
ATM Deposits

Just place your cash and checks directly
into the ATM. No envelopes, no worries.

Click below to watch a demo or scroll down to learn more.

How it Works

1

Deposit cash & checks directly into the ATM

No envelope or deposit slip is needed when depositing cash and checks into the ATM.1

2

Deposit up to 30 checks & 50 bills

You don’t have to feed your bills or checks in one-by-one. Just straighten them out and put them into the appropriate ATM slot when prompted.

3

See instant proof of your deposit

Your deposits will be shown on-screen, and you can even choose to have your check images displayed on the bottom of your printed receipt.

4

Make deposits 24 hours a day

You can deposit cash and checks 24 hours a day. Cash is immediately credited to your account. Checks are posted same-day when deposited before 8 P.M. local time.2,3

FAQs

Everything you need to know about no-envelope ATM deposits

How are these ATMs different?

These ATMs no longer use envelopes for deposits. On-screen video prompts and indicators will guide you on how to insert your cash and checks directly into the machine. An image of each check is captured for processing, and cash is validated immediately. The ATM calculates the amount of your total deposit. Rejected items are returned to you at the end of your transaction.

How many checks and bills can I deposit at a time?

The no-envelope ATM has two insertion slots, one for cash and one for checks. The check receptor can accommodate a stack of up to 30 checks per transaction. The cash receptor can accommodate a stack of up to 50 bills per transaction.

Do I have to face all my cash or checks the same way?

No, the ATM can read your cash and checks regardless of how they're oriented. However, your transaction will be processed more quickly if checks are inserted face up in the same direction.

How do I know that my deposit has been calculated correctly?

Before completing your transaction, you’ll be shown onscreen the deposit amount the ATM has calculated from the cash and checks you’ve inserted. You have the option to review each check individually to ensure it was read correctly, and you can make changes if the check amount is not correct. Finally, you can print a receipt with a picture of each check and a tally of notes deposited by denomination. Your available balance will be printed on your receipt.

When will my deposit be credited?

Cash is credited to your account immediately. Checks deposited at no-envelope ATMs before 8 P.M. local time are posted that same day.2,3

Do all U.S. Bank ATMs accept no-envelope deposits?

No, there are still some U.S. Bank ATMs that require envelopes when making a deposit. ATMs that require an envelope have one slot for envelope insertion, and will have an onscreen message stating that an envelope is required. Our no-envelope ATMs have two slots for deposits and display an on-screen video showing cash and checks being inserted directly into the ATM.

  1. Feature only available at select U.S. Bank ATMs, see banker for details. U.S. Bank, Member FDIC.

  2. Deposits at a U.S. Bank no-envelope ATM into a U.S. Bank checking or savings account will be processed as follows: For cash deposits, funds will be available immediately. For checks: Checks deposited on business days up until 8:00 p.m. (local time) are considered received on the same day. Business days are Monday thru Friday, and do not include Saturday, Sunday and federal holidays. Deposits made on Saturday, Sunday and federal holidays are considered deposited on the next business day. Limitations may apply, subject to terms outlined in the Funds Availability Policy, section entitled: Longer Delays May Apply. See banker for details.

  3. Limitations may apply. Refer to the Your Deposit Account Agreement, section titled Funds Availability: Your Ability to Withdraw Funds – All Accounts, for additional information.

Deposit products offered by U.S. Bank National Association. Member FDIC.

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