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You may have noticed that when you deposit money into a bank, sometimes you have access to that money right while at other times it might take a few days before it becomes available for you to use. Why the difference? Well, it often has to do with the way banks process different types of deposits. If you make a cash deposit with the teller at your bank, the money will often be available in your account immediately, or the next business day, depending on your banks policy. Your teller will be able to let you know. If you deposit cash using your banks ATM, youll typically be able to access your funds right away. Thats because ATMs now automatically count the bills you insert, rather than waiting for tellers to verify your deposit later. Scheduled direct deposits from a payer --like your employer-- are usually available in your account on your regular payday --or the following business day. Thats because the bank that the deposit is coming from will schedule a credit to your account