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In a nutshell
Even with more banks moving online, customers still need ways to deposit cash at physical ATMs. Not every bank offers ATM cash deposits, but they are still an in-demand part of modern banking.
- An ATM cash deposit makes it simple to put cash into your bank account without visiting your bank branch.
- Locations, fees and deposit limits vary by bank branch and ATM.
- To get the most out of your transaction, research your bank’s ATM cash deposit policies.
What is an ATM cash deposit?
An ATM cash deposit is when a customer puts paper money (such as $10 or $20 bills) into an automated teller machine (ATM) so that the cash gets deposited into their bank account. A cash deposit may be easier than driving to a physical bank branch across town and can help those without a brick-and-mortar bank branch nearby to keep their cash safe.
How to deposit cash at an ATM
Depositing cash in an ATM will differ from bank to bank and even type of ATM. However, these are the general steps to follow:
- Put your debit card into the ATM and follow the prompts on the screen. You will be asked to enter your card PIN and can confirm you have the right account.
- When asked what you want to do, choose “deposit.” If you have multiple accounts, the ATM may prompt you to choose one.
- Put your cash into the ATM. Use the illustrations on the ATM or on-screen prompts to guide you in inserting the bills. Some ATMs may require you to put the money into an envelope first.
- The ATM will count the money to ensure it matches the deposit amount and issue you a receipt.
- Some ATMs can email or text the receipt to your mobile device.
How to deposit cash with an online bank at an ATM
Not all online banks offer ATM cash deposits, so you should verify this before you try to find an ATM. Banks that don’t offer it may let you deposit cash in other ways, such as at partner retailers. Chime, for example, has a partnership with Walgreens, which accepts cash from customers with no fee.
How to find ATMs that accept cash deposits
Use your bank’s ATM locator, which should be on their app or website. You can also contact them directly by phone or through the bank’s online chat function.
However, not all ATMs accept deposits, so use the site filters to narrow down the choices.
Other in-network or partner ATMs may accept deposits but charge a fee. It could also take longer for the deposit to reach your account and be available to spend.
Related: Common banking fees and how to avoid them
What types of bills can be deposited at an ATM?
Most ATMs accept any U.S. paper currency, including larger denominations. However, they may limit the number of individual bills you can deposit at one time.
Common issues with ATM cash deposits
While ATMs offer bank customers a quick and convenient method of depositing cash, they come with some challenges.
- ATMs may not always accept crumpled, torn or worn bills.
- You may have a limit to the number of bills you can deposit.
- Most ATMs don’t accept coins.
- ATMs that use envelopes require you to fill out your account information clearly and accurately.
ATMs, like any other modern technology, can malfunction. If you suspect your deposit wasn’t counted or credited to your account properly, notify your bank immediately.
Tips for ATM cash deposits
Just as with withdrawing cash, you’ll want to be careful. Check your surroundings to ensure no one is watching you or jeopardizing your safety. Other tips include:
- Become familiar with your bank’s policies to find out which ATMs accept cash, which ones do not charge fees and where to find them.
- Count your money before you get there — that way, you’ll know that every bill is counted properly and you don’t spend extra time in front of the ATM, where you might attract attention from robbers.
The AP Buyline roundup
ATMs are known as being an easy way to get cash from a bank account, but they are still a popular choice to make deposits too. To get the most out of any ATM deposit, know the locations, network agreements and fees before you go.
Frequently asked questions (FAQs)
Do I have to use my bank’s ATM to deposit cash?
You’re not required to use your bank’s ATM for cash deposits, but using other ATMs may cost you additional fees. It may also take longer for an out-of-network ATM to credit your account. If you’re unsure about what it costs or the processing time, check your bank’s policies.
Can I deposit cash in my account through any ATM?
Not all ATMs support cash deposits, and those that do may not be within your bank’s network. If an ATM does accept deposits for your particular bank, it may be through a partner arrangement, which may subject your deposit to additional charges. If you’re unsure about an ATM, it's best to check with your bank before using it. They can provide guidance for a smooth experience.
How much money can be deposited through an ATM?
The cash deposit limits for an ATM vary by bank and ATM technology. Contact your bank for full details, which may include a limit on the total number of bills deposited at a time, not necessarily total value amount.
This content is created by AP Buyline in accordance with AP’s editorial guidelines and supervised and edited by AP staff. Our evaluations and opinions are not influenced by our advertising relationships, but we may earn commissions from our partners’ links in this content. Learn more about AP Buyline here.
