Do you ever wonder which is faster? NCACU offers two solutions for after hours deposits–our Night Deposit Box located at each building (generally near the drive thru) or you can also deposit funds through the ATM system. If you are looking for the fastest deposit to your account–use the Night Deposit Box. Those deposits are collected each day at opening and post right away. ATM deposits require a 48 hour hold. Remember, any time you deposit using one of the after hour methods–always use an envelope and include your account number and the amount of the deposit.