You cannot deposit cash directly into Capital One 360 through an ATM or branch, because Capital One 360 is an online bank with no physical locations
Capital One 360 operates entirely online. It has no branches where you can walk in with cash, and its ATMs do not accept cash deposits — only withdrawals. If you need to move cash into your Capital One 360 checking account, you have to convert it to a digital transfer first through one of the methods below.
The most common route is to deposit the cash at your own bank or credit union, then transfer the money electronically to Capital One 360. This takes one to two business days. If you need the money to move faster or do not have another bank account, you can use a third-party service like MoneyGram or a check-cashing store, though these typically charge a fee.
Key Takeaways
- Capital One 360 ATMs only dispense cash; they do not accept cash deposits of any kind.
- The standard method is to deposit cash at another bank or credit union you own, then transfer it electronically to Capital One 360 within one to two business days.
- MoneyGram and similar services can move cash into your Capital One 360 account the same day, but charge a fee for the service.
- Mobile check deposit through the Capital One 360 app works for checks but not for cash.
Deposit cash at another bank, then transfer it electronically
If you have a checking or savings account at another bank — even a local credit union — you can deposit cash there and then move the money to Capital One 360 using an electronic transfer. The deposit itself is when ready, but the transfer between banks takes one to two business days.
To set this up, log into your Capital One 360 account online or through the mobile app and add your other bank as an external account. You will need your routing number and account number from that bank. Once linked, you can initiate a transfer from Capital One 360 to pull the money in, or from your other bank to push it over. Capital One 360 does not charge a fee for incoming transfers.
This method works well if you receive cash regularly or have time to wait for the transfer to clear. It also keeps you from paying a third-party fee.
Use MoneyGram or a similar cash-to-account service
MoneyGram and Western Union both allow you to send cash directly into a bank account. You go to a MoneyGram location (usually a grocery store, pharmacy, or convenience store), hand over your cash, provide your Capital One 360 account details, and the money lands in your account the same day or within hours.
The catch is the fee. MoneyGram charges between $5 and $10 depending on the amount and location. Western Union charges similarly. These services are fastest if you need the cash converted when ready, but they are more expensive than a bank-to-bank transfer.
To use this method, you will need your Capital One 360 account number and routing number (which you can find in the app or by logging into your account online). The MoneyGram or Western Union agent will enter this information and confirm the transfer before you hand over the cash.
Withdraw cash from a Capital One 360 ATM, then deposit elsewhere
This is the reverse of the first method and works if you have cash but need it in Capital One 360. You deposit the cash at another bank or credit union, then transfer it to Capital One 360. It is the same process as depositing cash at another bank first — the order does not matter.
The advantage of this approach is that you can use Capital One 360's ATM network (which includes Allpoint ATMs at many retailers) to withdraw cash when you need it, but you cannot close the loop by depositing cash back through those same ATMs.
What Capital One 360 does not offer for cash deposits
Capital One 360 does not have a mobile app feature for cash deposits. The mobile app includes mobile check deposit, which lets you photograph a check and deposit it without visiting a branch, but this does not work for cash. You cannot photograph cash and deposit it.
Capital One 360 also does not partner with retail locations like Walmart or CVS to accept cash deposits the way some online banks do. You cannot walk into a store and hand cash to a clerk to deposit into your Capital One 360 account.
Timing and fees for each method
| Method | Time to Account | Fee | Best For |
|---|---|---|---|
| Deposit at another bank, transfer to Capital One 360 | 1–2 business days | None | Regular cash deposits, no rush |
| MoneyGram or Western Union | Same day or hours | $5–$10 | Urgent need, no other bank account |
| Mobile check deposit | 1–2 business days | None | Checks only, not cash |
Frequently Asked Questions
Can I deposit cash at a Capital One branch if I have a Capital One 360 account?
No. Capital One 360 is separate from Capital One's traditional branches. If you walk into a Capital One branch with cash, they cannot deposit it into your Capital One 360 account. You would need to open a separate Capital One checking account at the branch, which is a different product.
Do Capital One 360 ATMs take cash deposits?
No. Capital One 360 ATMs (which are part of the Allpoint network) only dispense cash. They do not have a slot or function for depositing cash. You can only withdraw.
How long does it take for a transfer from another bank to show up in Capital One 360?
One to two business days is standard. The exact timing depends on when your other bank processes the outgoing transfer and when Capital One 360 receives and posts it. Transfers initiated on a Friday may not appear until Tuesday.
Is there a limit to how much cash I can deposit through another bank and transfer?
Your other bank may have daily or monthly deposit limits for cash. Capital One 360 does not set a limit on incoming transfers, but your sending bank controls how much you can move at once. Check with that bank about their limits.
What if I do not have another bank account?
MoneyGram or Western Union are your fastest options. You can also open a free checking account at a local credit union or bank, deposit the cash there, and transfer it to Capital One 360. The credit union route is cheaper if you plan to deposit cash regularly.