Your cash that has been dispensed out of the ATM (the withdrawn vault funds) will be automatically re-deposited back into the bank account of your choice via the Federal Reserve within 48 hours.
Each ATM has a terminal ID and a bank routing number. When someone takes money out of your ATM, the banking networks know which machine did the transaction through these numbers. That’s how the banking networks also know where to put the money back the next day, through the routing number.
When someone uses your ATM, they are accessing their debit or credit card account to get an overnight loan from your ATM. Most ATM owners set a surcharge fee for this convenience.
How long will it take to get my money back?
All ATMs settle on banking days at 4:00 pm EST.
Any funds withdrawn during regular business hours, Monday through Thursday, will be re-deposited back into your account within 24 hours from the time it was withdrawn from the ATM. Money taken out of the ATM before 4:00 pm EST on these days will appear back in your bank account the next morning. Any money taken out after 4:00 pm will appear the day after.
All weekend transactions which include Friday, Saturday and Sunday, will be deposited the following Monday morning. Saturdays and Sundays are not banking days so any money taken out after 4:00 pm EST on a Friday will not show up in your bank account until Monday morning.
- Funds withdrawn on Tuesday before 4:00 pm EST will be in your account on Wednesday morning.
- Funds withdrawn on Tuesday after 4:00 pm EST will be in your account on Thursday morning.
- Funds withdrawn any time on Friday, Saturday or Sunday will be in your account on Monday morning.
- Funds withdrawn on Monday before 4:00 pm EST will be in your account on Tuesday morning.
Then simply withdraw the same funds from your bank account and start the process of refilling the ATM with cash all over again.