How to Make a Deposit

You've taken the first step and have gotten a bank account. Now it's time to make your first deposit. It's not hard to do. There are several different ways to make a deposit. You may choose different ways to deposit your money depending on where you are, what time of day it is, and how soon you may need access to your money.


Step 1

Endorse your check if you are planning on depositing a check. By endorsing your check, you are verifying that you are the person the check is made out to. If you want to deposit your check without any money back, you can write on the back next to your signature "For Deposit Only." That will safeguard your check to some degree. In addition, figure out any cash you may also want to deposit.

Step 2

Deposit checks or money directly at the bank if you need to receive money back. This can be done inside the bank or through the drive-through. Fill out the deposit slip. Examine the form before filling it out. There will be a separate space for each check you intend to deposit and another space for cash. Fill in each spot with the correct amount, and add the amounts together. That will be your subtotal. Then, place the amount you wish to have back in the appropriate box, and subtract that amount from that subtotal. That will be the total amount you are depositing. The terms on the deposit slip may vary a little depending on where you bank. In order to receive money back, you need to sign the deposit slip.


Step 3

Put the money, checks, deposit slip and a picture I.D in the canister in the drive-through to give to the teller. Most banks require a picture I.D. if you intend to receive money back. If you do not need money back, the picture I.D. usually is unnecessary.

Step 4

Go through an A.T.M. for another way to deposit money or checks. How to go about this depends on the type of A.T.M. you are going through. All will require an A.T.M. card and a PIN number. Depending on the A.T.M., you may need a deposit envelope. The envelopes should be located at the A.T.M. Other A.T.M.s will deposit your money or checks, but they no longer require a deposit envelope. You can put the money directly inside the A.T.M. Follow the directions directly on the A.T.M.


If you need to have instant access of your money, your best bet is to personally deposit your money at the bank. Money at A.T.M.s can be held up to 48 hours in some cases before being reflected on your account. It will differ, however, from person to person and from bank to bank. Find out the details from your particular institution.

Things You'll Need

  • Bank account

  • Account number

  • Money or a check to deposit

  • Picture I.D.

  • A.T.M. card