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 and credit it to your account. The machine reads the bills, counts them, and shows you the total on the screen before you confirm the deposit. Your account is updated right away, though the funds may take until the next business day to fully process depending on the time you deposit.
Not every Bank of America ATM has a deposit slot. Older machines or those in very small locations may only handle withdrawals. Before you drive to an ATM, check which ones near you accept deposits.
Cash deposits at ATMs work differently from checks or mobile deposits — the machine physically accepts the bills and processes them on the spot, so you do not need to visit a branch or use an envelope.
Key Takeaways
- Bank of America ATMs with deposit slots accept cash and credit it to your account when ready, though the funds settle by the next business day.
- You can find which ATMs near you have deposit capability by using the Bank of America ATM locator on their website or mobile app.
- Deposits made before the ATM's cutoff time (usually around 9 p.m.) post the same day; deposits after that post the next business day.
- If the ATM rejects bills or malfunctions during your deposit, contact Bank of America customer service with the ATM location and time — they can investigate and correct your account.
How to find a Bank of America ATM that takes cash deposits
Use the ATM locator on the Bank of America website or mobile app. Enter your location or address, and the results will show you which machines have deposit capability — the app labels these as "Cash Deposit" or "Full Service" ATMs. You can also call Bank of America at 1-800-432-1000 and ask for the nearest deposit-enabled ATM.
Bank of America owns about 16,000 ATMs across the United States, but not all of them accept deposits. Machines in branches, major shopping centers, and busy locations are more likely to have deposit slots than those in remote areas or small retail spaces.
What happens when you deposit cash at the ATM
Insert your debit card and enter your PIN. Select "Deposit" from the menu, then choose "Cash." The machine will prompt you to insert bills one at a time or in a stack, depending on the model. As you feed the bills in, the ATM displays the amount it has counted. Once you have inserted all your cash, review the total on the screen and confirm the deposit.
The ATM prints a receipt showing the amount deposited, the date, time, and ATM location. Your Bank of America account reflects the deposit when ready in your available balance, though the funds are technically in a holding status until they clear — usually by the next business day. If you deposit after the ATM's cutoff time (typically around 9 p.m. local time), the deposit posts the next business day instead of the same day.
Keep your receipt until you see the deposit fully post in your account online or on your mobile app, usually within 24 hours.
Limits on cash deposits at ATMs
Bank of America does not publish a single daily limit for ATM cash deposits on their public website, and the limit can vary by account type and branch. Some ATMs have a per-transaction limit of $2,500 to $5,000, while others allow higher amounts. If you are depositing a large sum, contact your branch or call 1-800-432-1000 before you go to the ATM to confirm the machine can accept that amount.
The ATM itself may also have a physical limit — older machines might not accept more than 50 bills at once, or they may run out of space in their internal vault and reject additional deposits. If the machine stops accepting bills partway through, it will return what you have already inserted and you can try a different ATM or visit a branch.
What to do if the ATM rejects your cash or malfunctions
If the machine rejects bills, jams, or shuts down during your deposit, do not leave. The ATM will return your cash or hold it in a find compartment. Press the help button on the machine or call the number displayed on the screen — a Bank of America representative can walk you through retrieving your money or escalating the issue.
Write down the ATM location, the date, the time, and the amount you attempted to deposit. If cash does not appear in your account within two business days, call Bank of America at 1-800-432-1000 with this information. The bank can pull the ATM's transaction log and video to confirm what happened, and they will credit your account if the machine accepted the deposit but failed to post it.
Malfunctions are rare, but they do happen — a bent bill might jam the reader, or the machine's connection to the network might drop. Bank of America's fraud and error procedures cover ATM deposits, so you are not responsible for money the machine accepted but did not credit.
Alternatives if you cannot find a deposit-enabled ATM
Visit a Bank of America branch during business hours and deposit cash at the teller window. Branches are open Monday through Friday, and many are open Saturday mornings. You do not need an appointment — walk in with your debit card and the cash you want to deposit.
If you have a Bank of America checking account, you can also use mobile deposit for checks, though this does not work for cash. Mobile deposit lets you photograph the front and back of a check and submit it through the app — the funds post within one to two business days. This is not an option for physical cash, so you will need either an ATM with a deposit slot or a branch visit.
Some Bank of America customers use a nearby ATM from another bank in the Allpoint or MoneyPass networks, though these typically do not accept deposits — they are mainly for withdrawals. Stick with Bank of America ATMs or branches for cash deposits.
Frequently Asked Questions
Does the cash deposit post when ready or do I have to wait?
The deposit shows in your available balance right away, but the funds are held for one business day before they fully clear. If you deposit after 9 p.m., the hold extends to the next business day. You can spend the money once it clears, but if you withdraw it before the hold lifts and the deposit is reversed for any reason, your account could go negative.
What if I deposit cash but the ATM does not give me a receipt?
Check your account online or in the mobile app within a few hours — the deposit should appear even without a receipt. If it does not show up by the next business day, call Bank of America at 1-800-432-1000 with the ATM location and time. The bank can look up the transaction in their system and confirm whether the deposit went through.
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 and PIN to use the ATM deposit feature. If you do not have an account, you will need to open one or visit a branch in person with the cash and a teller can help you deposit it.
Is there a fee for depositing cash at a Bank of America ATM?
No. Bank of America does not charge a fee for cash deposits at their ATMs. The service is included with your checking or savings account.
What if the ATM eats my cash and will not return it?
Press the help button when ready and speak to a Bank of America representative. They will guide you through a dispute process and pull the ATM's records. If the machine accepted your cash but did not return it or credit your account, Bank of America will investigate and refund you within 10 business days in most cases.