All financial institutions have their own policies for how long it takes cash and check deposits at ATMs to become available to use. If you make a cash deposit at an in-network ATM, funds are often available right away. Funds from checks can often be available by the next business day or earlier. However, you may experience a delay in funds availability if you deposit a large check, have a new account, deposit a check at an ATM outside of your network, or deposit a check that your financial institution determines may not be collectible.