Expert: Mark Hanke - 3/1/2010

Question
Even thouh it is a weekend is it posible for me to deposit a personal check into an Atm and have cash available right now. I bank with bb&T.

Answer
Hi Charley -

We would be glad to help with your ATM questions. Franklin ATM Service is a nationwide leader in ATM sales, service and management. Our primary focus is helping people learn how to start their own ATM businesses.


Personal check deposits into an ATM generally require teller verification for any large amounts. Since you are at a deposit-type ATM, the bank will physically verify the checks each morning (Mon-Sat). Then, the normal check policy will govern availability of funds:


Funds Availability for Online Bill Payments
BB&T will make the first $100 of a pending deposit available immediately for online bill payments, provided that the deposit is made at a BB&T branch location prior to 2:00 p.m. or before 4:00 p.m. Eastern Time at a BB&T ATM.  The amount available could be less than $100 if ATM or BB&T Check Card withdrawals were made during the day of the deposit.  The full amount of your deposit will not be available for online bill payments until the deposit transaction has been posted to your account and is reflected in your current balance.