Is it reliable to deposit money at the atm?
920756
I have been depositing cash as well as checks through my bank's ATM now for almost 5 years and I haven't had a single issue. They are normally credited to your account the next business day, though. For paychecks, I would look into firect deposits - where your paycheck is electronically transferred straight to your account. That makes the funds available usually at 12:01am of the business day it is scheduled for - a little sooner than most people are used to. All in all ATM deposits have been quite reliable for me.
571782
asa economist u have to deposit ur money to be safe side
870487
I know that Wachovia is a huge bank but I've really been pleased with their customer service. It's also nice that their ATM machines are everywhere so you can avoid those fees.\n\nBe warned that they will charge you thirty dollars for insufficient funds EVEN IF YOU HAVE OVERDRAFT PROTECTION which is bs.
520718
Yes, they don't have to give you any money today, but they'll have 100 available on monday (the next business day)\n\nGovernment Regulation CC, says banks can place holds on checks. The first 100 to be available the next day. Local checks (by routing number not location, banks can be next door but still non-local) Are to be available in 2 business days unless an expection is made, if it's over 5,000 then the first 5000 is available in 2 days the rest in 7. NON LOCAL checks are different they are the first 5k in 5 days the rest in 11. They are doing this for your protection as well, you would hate to spend 30k and then find out a week later the check was bad.
142571
Most likely not. If you have an account at another bank, you could deposit it but even then there may be a hold for a day or two. Another option is going to a check cashing place but they take out a certain percentage.
1021299
cheque or money order
548993
Banks process all deposits in batches, usually run overnight. This is when the availability of funds is verified.  They give you the benefit of the doubt as soon as you deposit the money, however. This means that you can write a check against it but can't get cash. That's why we often see a "balance" and an "available balance" that differ. Hope that made sense, I was a bank teller for a few years in college.
435447
I was in Europe not too long ago and by far, the cheapest way to go is use the ATM once you get there. You still pay the "foreign ATM fee" you would pay just like going to an ATM that is not a part of your bank at home (probably around $4.00) which is less than the usual transaction fee to exchange currency, and the best/most favorable exchange rates. This is partially because the bank does not have to keep a supply of the other country's currency.
977971
Take travelers checks and send the numbers to your own internet e mail address in case you lose the checks they can get replaced.\n\nIf you get the checks in US dollars, you can compare bank rates when you are there and choose. Travelers checks still remain the best way to ensure reliable money on trips. American Express is international and will quickly replace them if lost or stolen.\n\nYou can withdraw from most ATM's in England with your bank card. There is not the same charging system in England for using other banks ATM's (Avoid the ones in stores, stations etc as they do charge). You bank will decide the exchange rate at the time and may also charge a small fee.\n\nAll the UK has "chip and pin" so you need to make sure you have your PIN numbers then you can use your bank card or your credit card in any stores, restaurants etc.\n\nHSBC is a British company with plenty branches in England so you would think "the worlds local bank" would help but don't rely on it, they suck.
197121
This is true. You have to have a real bank account for this type of thing. If you don't have one already, go talk to your bank. If you do, you can feel secure using it for this purpose. I have even set up a "sweep" account with my bank, whereby all money that is deposited to the account is automatically transferred to my "real" account each night. That way I have limited exposure to the risk of an unauthorized withdrawal.
331858
I like Fifth Third.  I'm not sure what city you are in, but if it's in Ohio, there are lots of branches and ATMs to use.  They are inside all of the Kroger's stores (grocery store) so it's easy to bank on the weekends.
141212
you should deposit it into your bank account, in order for you to know if it is good & have funds, or encash it on a accredited bank. you won't know if its good until you turn it over to a bank.
1073827
Potentially its a fantastic improvement. No cash to be mugged for, no ATM machines for the hoodies to hang around. Your wallet or purse would be lighter and may have only one universal card in it!\n\nI love the idea that every expense, however small, would appear in an on-line statement, but I can imagine a lot of people would find that scary. Imagine how well you could plan your spending - or make savings. Most of us would be amazed at how much small change adds up to big bucks.\n\nBut, much more interestingly, a cashless society would soon become a bartering one once again. Without cash people need to find ways of avoiding the tax man. They'd do that by offering services in kind (e.g. you paint my house, I'll fix your plumbing) or they'd quietly trade in beads - so many beads to fix your car and so many beads to cut your hair. What the 'beads' are is irrelevant - some physical substitute for cash-in-hand would soon appear.\n\nIt seems your concern is about 'Big Brother'. I think the opposite would happen. In a cashless society you don't have to go to the ATM, so your movements and the amounts of cash you use are less traceable. You don't have to officially exchange anything (except a quiet promise in someone's ear that you'll do them a favour in return for the work they do for you).  The black market would be more healthy and less subject to policing than now!\n\nWhen you do make legitimate electronic trades you'd do it in many novel ways to get round the tracking factor - how about buying a car privately, but in 12 lots over 1 year. Both parties agree to identify the monthly trades as something else. The tax man never knows what the exchange was really all about.  He knows with cash, because who'd trust you to make 11 more cash payments once the goods have been handed over - electronically you'd secure that in advance (you can see this opens the door to person-to-person hire purchase too - potentially risky, but also potentially very desirable).\n\nIn a cashless society there'd be an end to the tyranny of the tip. Either its stated on the bill or it cannot be handed over. Wonderful!\n\nI could go on for hours, but I think you get the picture. One more advantage - less lumpy mattresses!
1014177
They are almost always scams.\nThey will ask you to deposit their check in your bank and wire them their 90%.  Their check will bounce and you are out of luck.\nDon't fall for this scam!
191795
EverBank.com\n\nI've been with them since December 2005. EXTREAMLY HAPPY. They refund ATM fees every month up to $6.00. Pay 3% interest on checking. Free bill pay. Free bank by mail envelopes. Free deposits at local banks throughout USA via ATM deposits.  Great crew working the phones there.
915886
If the "job" has anything to do with receiving checks from their "customers" here in North America and forwarding the money on to them, it is a scam.  The checks will bounce but only after you wire the money out and the bank will hold you liable.
866087
What Bank of America does is it instantly gives you a CREDIT when you deposit money in an ATM, but the credit is temporary and may not be for the full amount of your deposit (usually it's just a couple hundred dollars at most).  That credit will be instantly available, but may be retracted and the actual deposit is not likely to occur for a day or two.\n\nIn addition, Bank of America does reserve the right to delay a deposit but up to 11 business days.  Some of the reasons they may do this include:  (directly from their website)\n\n- You deposit checks totaling more than $5,000 in one day. \n- You re-deposit a check that has been returned unpaid. \n- We believe a check you deposit won't be paid. \n- You've overdrawn your account repeatedly in the last six months. \n- There is an emergency such as an equipment failure. \n\nSeeing a living, breathing teller, on the other hand, usually does instantly deposit the actual amount of your deposit into your account right away, though sometimes it doesn't get posted until the next business day.  You can always ask the teller when you are doing the transaction.  And as above, they reserve the right to reverse the transaction for a variety of reasons or delay it as well if they feel they have a reason to.