Yes, you can deposit cash directly into your BBT checking account
BBT (Branch Banking and Trust Company, now Truist Financial Corporation after a 2019 merger) lets you deposit cash at their ATMs and at teller windows inside branches. The method you choose depends on how much cash you have, whether you need a receipt right away, and which location is most convenient for you.
Cash deposits at ATMs are available 24/7 at most Truist locations. Teller deposits happen during branch hours and give you a printed receipt on the spot. Both methods put the money into your account the same day or by the next business day, depending on when you deposit and your branch's processing schedule.
Key Takeaways
- Truist ATMs accept cash deposits at any time, and most process the money into your account the same day.
- You can also deposit cash with a teller during branch hours and receive a receipt when ready.
- Deposits made after your branch's cutoff time (usually 2 p.m. or later) may not post until the next business day.
- Large cash deposits over $10,000 trigger a federal reporting requirement, but this does not prevent the deposit.
Depositing cash at a Truist ATM
Most Truist ATMs have a cash deposit slot. Insert your debit card, enter your PIN, and select "Deposit" from the menu. The machine will prompt you to insert bills one at a time or in a stack, depending on the ATM model. Count your cash before you start so you know what amount to enter.
The ATM will display the total it counted and ask you to confirm. Once you confirm, the machine prints a receipt showing the deposit amount and your new balance. The money typically posts to your account within a few hours on the same day, though some deposits process overnight if made late in the evening.
If the ATM rejects a bill or malfunctions during the deposit, it will return your cash when ready. Keep your receipt until you see the deposit show up in your account online or on your statement, usually within one business day.
Depositing cash with a teller at a branch
Walk into any Truist branch during business hours with your cash and your debit card or account number. Tell the teller you want to deposit cash into your checking account. The teller will count the money in front of you, enter it into the system, and print a receipt showing the exact amount deposited.
This method is useful if you have a large amount of cash, if you want to verify the count when ready, or if you prefer speaking to a person. The teller can also answer questions about your account while you are there. The deposit posts to your account the same day in almost all cases.
What happens with deposits over $10,000
If you deposit $10,000 or more in cash in a single transaction or multiple transactions within a short period, Truist is required by federal law to file a Currency Transaction Report (CTR) with the U.S. Treasury. This is a routine reporting requirement and does not mean anything is wrong with your deposit.
The bank will not delay your deposit or refuse it because of the amount. The CTR is straightforward a record-keeping measure. You do not need to do anything special — the bank handles the filing automatically. If you have questions about why this report exists, the teller can explain it, but it will not affect when your money becomes available.
Timing and when deposits post to your account
Cash deposits made at ATMs before your branch's cutoff time (usually around 2 p.m. on business days) typically post the same day. Deposits made after cutoff or on weekends and holidays post the next business day. Check your specific branch's hours on the Truist website or call ahead if you need to know the exact cutoff time.
Once a deposit posts, you can withdraw the cash or transfer it to another account when ready. Truist does not place a hold on cash deposits the way it sometimes does with checks. Your available balance updates as soon as the deposit processes.
What to bring and how to prepare
Bring your debit card or know your account number. If you are depositing at an ATM, have your PIN ready. Count your cash before you arrive so you can tell the machine or teller the amount you expect to deposit. Bring any deposit slips if your branch provided them, though most Truist locations no longer require them.
If you are depositing cash on behalf of someone else, bring their account number or debit card. Some branches may ask for identification. If you are depositing a very large amount and want to avoid any delays, call your branch ahead of time to let them know you are coming.
Alternatives if your nearest ATM is not working
If the cash deposit slot at your ATM is broken or out of service, use a different Truist ATM or visit a branch during business hours. You can find ATM and branch locations on the Truist website or by calling customer service. Some Truist branches are inside grocery stores or other retail locations, which may have extended hours.
If you do not have access to a Truist location, you can also deposit cash by visiting any bank or credit union that has a cash deposit service and asking them to deposit it into your Truist account. This usually takes longer and may involve a fee, so it is best used only as a backup option.
Frequently Asked Questions
Do I need to use an envelope or deposit slip when I deposit cash at an ATM?
No. Modern Truist ATMs do not require envelopes or deposit slips. straightforward insert your card, enter your PIN, select deposit, and feed the bills into the machine. The ATM counts them and prints a receipt.
What if the ATM says my deposit failed after I put the cash in?
The machine will return your cash when ready if it cannot process the deposit. Take your cash and receipt, and try again at a different ATM or visit a branch. If the same error happens twice, contact Truist customer service to report the problem.
Can I deposit cash into someone else's Truist checking account?
Yes. You can deposit cash into another person's account at a branch by providing their account number to the teller. At an ATM, you will need their debit card and PIN, or you can visit a branch instead.
How long does it take for a cash deposit to show up in my online banking?
Most cash deposits show up within a few hours on the same day if made before your branch's cutoff time. If you deposit after cutoff or on a weekend, the deposit appears by the next business day. You can check your account online or call customer service to confirm.
Is there a limit to how much cash I can deposit at once?
Truist does not set a public limit on cash deposits. However, ATMs may have a per-transaction limit (often $5,000 to $10,000 depending on the machine). For very large amounts, visit a branch and deposit with a teller, who can process any amount.