How to Deposit Cash at a Bank of America ATM

Yes, you can deposit cash at most Bank of America ATMs

Bank of America ATMs that have a cash deposit slot will take your cash deposit directly. You insert your debit card, select deposit, choose cash, insert the bills into the slot, and the machine counts them and credits your account. The deposit posts to your account the same day if you deposit before the cutoff time (usually 9 p.m. in your time zone on a business day), or the next business day if you deposit after hours or on a weekend.

Not every Bank of America ATM has a deposit slot. Older machines and some machines in smaller locations may only allow withdrawals. Before you go to an ATM, check the Bank of America locator on their website or app — it will tell you which machines accept deposits.

If the ATM you want to use does not have a deposit slot, you can deposit cash at any Bank of America branch during business hours, or use a different ATM that does accept deposits.

Key Takeaways

Bank of America ATMs with a cash deposit slot will accept your cash and credit it to your account the same business day if you deposit before 9 p.m.
Not all Bank of America ATMs have deposit slots, so use the ATM locator on the Bank of America website or app to find one near you that does.
The machine counts the cash and displays the amount on screen before the deposit is final, so you can verify it matches what you inserted.
If you deposit cash at an ATM outside your home branch, the deposit still goes to your account — location does not matter.

How the deposit slot works step by step

Insert your debit card into the ATM. The machine will ask whether you want to withdraw or deposit. Select deposit, then select cash. The ATM will display how much you can deposit in a single transaction (this varies by account type, but is usually $10,000 or more for personal accounts).

Insert your cash bills into the slot. The machine will pull them in and count them. Do not fold the bills or insert them in mixed directions — the machine reads them as it pulls them through, and bent or backwards bills can jam or be rejected. Once the machine finishes counting, it will display the total amount on the screen. Review this number to make sure it matches what you deposited.

Confirm the deposit. The machine will ask you to verify the amount. If the number is correct, press confirm. If the machine counted wrong, press decline and the bills will be returned to you. Once you confirm, the deposit is complete and your receipt will print.

When the deposit posts to your account

Deposits made before 9 p.m. on a business day (Monday through Friday, excluding federal holidays) post the same day. Deposits made after 9 p.m., on weekends, or on federal holidays post the next business day. So a deposit you make on Friday at 10 p.m. will not post until Monday morning (assuming Monday is not a holiday).

The posting time does not depend on which ATM you use or which branch your account is with. All Bank of America ATM deposits follow the same schedule. Once the deposit posts, the money is available in your account and you can withdraw it or use it for transfers and payments.

What to do if the ATM rejects your cash

ATMs reject bills for a few common reasons: the bill is torn or heavily creased, the bill is inserted backwards or sideways, or the bill is too old or damaged for the machine to read. If a bill is rejected, the machine will return it to you. Smooth out any creases, make sure the bill is facing the right direction, and try again.

If the machine rejects the same bill multiple times, do not keep trying — the machine will not accept it. Take that bill to a Bank of America branch and deposit it in person, or exchange it for a different bill at the teller window. Tellers can deposit damaged currency or send it to the Federal Reserve for replacement.

Deposit limits and daily caps

Bank of America sets a limit on how much cash you can deposit in a single ATM transaction. For most personal checking and savings accounts, this limit is $10,000 per transaction. If you need to deposit more than that, you can make multiple deposits at the same ATM (one after another), or go to a branch and deposit in person.

There is no daily limit on how much total cash you can deposit across multiple ATM transactions, but deposits over $10,000 in a single transaction will trigger a Currency Transaction Report (CTR) filed by the bank with the federal government. This is routine and not a sign of a problem — it is required by law for any single deposit over $10,000.

Using ATMs outside the Bank of America network

If you use an ATM that is not owned by Bank of America, you may be able to deposit cash, but the rules are different. Some third-party ATMs accept deposits, and some do not. If a non-Bank of America ATM does accept deposits, the deposit will still go to your Bank of America account, but it may take longer to post — sometimes one to three business days instead of the same day.

You will also pay a fee for using an out-of-network ATM. Bank of America charges you a fee (usually $2.50 to $3), and the ATM operator may charge an additional fee. To avoid fees and delays, use a Bank of America ATM whenever possible.

What happens if you forget your receipt

If you did not take your receipt or lost it, you can still verify your deposit. Log into your Bank of America account online or in the app and check your recent transactions. The deposit will show up in your transaction history with the amount and the time it posted. You can also call Bank of America customer service at the number on the back of your debit card and ask them to confirm the deposit.

Keep your receipt until you see the deposit post to your account, just in case there is a discrepancy. If the amount that posted does not match the amount on your receipt, contact Bank of America right away with the receipt as proof.

Frequently Asked Questions

Can I deposit a check and cash at the same ATM?

Yes. Bank of America ATMs with deposit slots accept both checks and cash. You can deposit them in the same transaction or separate transactions — the machine will ask you to choose cash or check each time you insert something into the slot.

What if the ATM eats my money and does not credit it?

This is rare, but if it happens, contact Bank of America when ready. Tell them the ATM location, the time of the deposit, and the amount. The bank can pull the ATM's internal records and video to confirm whether the cash was received. If the machine took the cash but did not credit your account, the bank will add the funds back within one to three business days.

Can I deposit cash at a Bank of America ATM if I do not have a Bank of America account?

No. You must have a Bank of America debit card to use the ATM deposit slot. If you do not have an account, you can deposit cash at a Bank of America branch in person, but you will need to open an account first or use a different bank.

Do I need to use the ATM at my home branch?

No. You can deposit cash at any Bank of America ATM, regardless of which branch your account is with. The deposit will post to your account the same way.

What if I deposit cash but the ATM screen shows the wrong amount?

Press decline when ready and the machine will return your cash. Do not confirm a deposit if the amount shown is wrong. Take your cash to a Bank of America branch and deposit it in person with a teller, who can count it manually and make sure the correct amount posts to your account.

This guide is for general information only and is not medical, financial, legal, or other professional advice. For decisions specific to your situation, consult a qualified professional. See our Editorial Policy.