Disclosed is an automatic deposit and withdrawal machine, comprising a deposit port (1), no less than two withdrawal ports (3), a banknote detector (4), banknote circulation boxes (501, 502, 503, 504,505), and an abandoned banknote box (6), wherein the deposit port (1), the withdrawal ports (3) and the banknote detector (4) are in communication by means of an upper main channel, and the banknotedetector (4), the banknote circulation boxes (501, 502, 503, 504, 505) and the abandoned banknote box (6) are in communication by means of a lower main channel, with the upper main channel and the lower main channel being in communication with each other by means of a diverter.