The invention discloses a financial self-service terminal and a depositing and withdrawal method, and belongs to the technical field of financial equipment. The financial self-service terminal comprises a control module, a cash storage part, a cash withdrawal part, a first transmission part, a cash checking part, a medium circulation channel and multiple circulation cash boxes, wherein the cash storage part is communicated with the medium circulation channel through a first transmission channel, and the cash withdrawal part is communicated with the medium circulation channel through a second transmission channel; the cash checking part is arranged on the first transmission channel, and therefore a medium checked by the cash checking part selects a circulation path according to a cash detection result, so that the unrecognizable medium is returned to the cash withdrawal part in time, which provides convenience for customers to check the unrecognizable cause of the medium and adjust the medium accordingly; then, the adjusted medium is placed into the cash storage part again for the purpose of storage. The financial self-service terminal has the advantages of high efficiency of depositing and withdrawal and less time consuming.