You can deposit cash into MoneyLion, but not directly at an ATM or branch

MoneyLion is an online bank without physical branches, so you cannot walk into a location and hand over cash. Instead, you have two main paths: use a third-party ATM network that accepts deposits, or transfer cash through a partner bank. The fastest option depends on which method MoneyLion currently supports and what you have access to nearby.

MoneyLion's deposit options change periodically as the bank adjusts its partnerships. Before you plan around a specific method, check your MoneyLion app or contact their support team to confirm what is available to you right now. This matters because the availability of cash deposit services varies by account type and region.

Key Takeaways

  • MoneyLion does not have ATMs or branches where you can deposit cash directly, so you must use a partner network or transfer method.
  • Some MoneyLion accounts can deposit cash at third-party ATMs through networks like Allpoint or MoneyPass, though this varies by account tier.
  • You can also deposit cash by transferring it to another bank account you own, then moving money from that account to MoneyLion.
  • Check your MoneyLion app or contact support to see which deposit methods are currently active on your specific account.
  • Cash deposits through ATM networks typically post within one to two business days.

Depositing cash at third-party ATM networks

MoneyLion has partnered with ATM networks that accept cash deposits. The most common networks are Allpoint and MoneyPass, though MoneyLion's partnerships shift over time. If your account includes access to one of these networks, you can find a participating ATM, insert your MoneyLion debit card, and deposit cash the same way you would at a traditional bank ATM.

To find an ATM near you, open your MoneyLion app and look for the ATM locator feature, or visit the Allpoint or MoneyPass website directly and search by your zip code. Not every ATM in these networks accepts deposits—some are withdrawal-only—so the locator will tell you which ones take cash in. Deposits usually post to your account within one to two business days, though some may take longer depending on when you deposit.

The catch is that not all MoneyLion account types have equal access to these networks. Premium or higher-tier accounts may have more ATM options than basic accounts. Check your app to see which networks you can use, or ask MoneyLion support if you are unsure whether your account tier includes ATM deposit access.

Transferring cash through another bank account

If you do not have access to a participating ATM network, you can deposit cash at any traditional bank or credit union where you have an account, then transfer the money to MoneyLion. This works if you have a savings account, checking account, or even a prepaid card account at another institution that accepts cash deposits.

Walk into a branch or use an ATM at your other bank, deposit the cash there, and then initiate a transfer from that account to your MoneyLion checking account. You will need your MoneyLion account number and routing number to set up the transfer. This method takes longer—typically three to five business days for the transfer to complete—but it works if ATM networks are not available to you.

What to do if you cannot find a deposit method

If neither ATM deposits nor transfers through another bank work for your situation, contact MoneyLion support directly. Explain what you are trying to do and ask what options are currently available for your account. MoneyLion's deposit methods have changed in the past, and the bank may have added or removed options since you opened your account.

In the meantime, you can ask the person giving you cash to send it electronically instead—through a service like Venmo, PayPal, or a bank transfer—if they have the ability to do so. This sidesteps the cash deposit problem entirely and money usually arrives within one business day.

Fees and limits on cash deposits

Most cash deposits through ATM networks do not carry a fee from MoneyLion itself, but some third-party ATM operators may charge a small fee (usually $1 to $3) for the deposit transaction. The ATM screen will tell you the fee before you confirm the deposit, so you can decide whether to proceed.

MoneyLion does not publish a daily or monthly limit on cash deposits through ATMs, but individual ATMs may have their own limits—often $500 to $1,000 per transaction. If you need to deposit more than that, you can make multiple deposits across different days or different ATMs. Transfers between your own accounts do not have the same restrictions and are usually unlimited.

Frequently Asked Questions

Can I deposit cash at a MoneyLion ATM?

MoneyLion does not own ATMs. You can only deposit cash at third-party ATMs in networks like Allpoint or MoneyPass if your account has access to them. Check your app to see which networks you can use.

How long does a cash deposit take to show up?

Cash deposits through ATM networks usually post within one to two business days. Transfers from another bank account take three to five business days. Weekend and holiday deposits may take longer to process.

What if my MoneyLion account does not have ATM deposit access?

Use another bank account you own to deposit the cash, then transfer it to MoneyLion. This takes longer but works for any account. You can also contact MoneyLion support to ask if deposit access can be added to your account.

Is there a fee to deposit cash at a third-party ATM?

MoneyLion does not charge a fee, but some ATM operators charge $1 to $3 per deposit. The ATM will show you the fee before you complete the transaction. Transfers between your own accounts are free.

Can someone else deposit cash into my MoneyLion account?

Not directly. They cannot use your debit card at an ATM. Instead, they can send you money through Venmo, PayPal, or a bank transfer if they have your contact information or account details. You can then keep that money in MoneyLion or transfer it elsewhere.