You can deposit cash at most Bank of America ATMs, but not all of them

Bank of America ATMs that have a cash deposit slot will accept your cash deposits 24 hours a day. The machine reads and counts the bills, gives you a receipt, and the money posts to your account immediately or by the next business day depending on the time of deposit. However, not every Bank of America ATM has this feature — some older machines only dispense cash and do not accept deposits.

Before you head to an ATM, use the Bank of America locator tool on their website or mobile app to confirm the specific machine accepts cash deposits. Search for an ATM near you, tap on it, and look for "Cash Deposit" listed under the services available at that location. This takes 30 seconds and saves you a trip to a machine that cannot do what you need.

If you cannot find a cash deposit ATM nearby, you can walk into any Bank of America branch during business hours and deposit cash with a teller. Branches are typically open Monday through Friday 9 a.m. to 5 p.m., with some Saturday hours, though times vary by location.

Key Takeaways

  • Not all Bank of America ATMs accept cash deposits — only machines with a physical cash deposit slot will take your money.
  • Use the Bank of America ATM locator on their website or app to confirm a machine accepts cash deposits before you go.
  • Cash deposits at ATMs post to your account immediately or by the next business day, depending on when you deposit.
  • If no nearby ATM accepts deposits, you can deposit cash with a teller at any Bank of America branch during business hours.

How the cash deposit slot works at the ATM

When you insert cash into the deposit slot, the ATM scans each bill to count and verify the amount. The machine displays the total on the screen so you can confirm it matches what you put in. If there is a problem — a torn bill, a foreign coin, or something the machine cannot read — it will reject that item and return it to you immediately.

After you confirm the amount, the ATM prints a receipt showing the deposit total, the date, time, and which account received the money. Keep this receipt until you see the deposit in your account online or on your statement. Most deposits show up the same day if you deposit before the bank's cutoff time, usually around 9 p.m. Eastern Time. Deposits made after that time or on weekends typically post by the next business day.

The cash itself goes into a secure vault inside the ATM. Bank of America empties these machines regularly and processes the deposits through their back-office system. You do not need to do anything else — the money is yours once the ATM accepts it and prints your receipt.

What happens if the ATM rejects your cash

An ATM will reject bills that are torn, heavily marked, or too worn to scan. It will also reject foreign currency, coins, or anything that is not a U.S. bill. If this happens, the machine returns the rejected item to you immediately and does not process a deposit for that amount.

If the ATM jams or malfunctions while you are depositing, do not leave. Call the phone number on the machine or contact Bank of America customer service right away. Provide them with your receipt, the date and time, and the ATM location. Bank of America will investigate and credit your account if the machine did accept your cash but failed to process it correctly. This can take a few business days to resolve.

Daily and monthly deposit limits at Bank of America ATMs

Bank of America does not publish a single daily limit for cash deposits at ATMs — the limit depends on your account type and your history with the bank. Most standard checking and savings accounts can deposit several thousand dollars per day at an ATM without triggering a review. However, deposits significantly larger than your normal pattern may be flagged for verification.

If you regularly deposit large amounts of cash, contact your local Bank of America branch or call customer service to discuss your account and any limits that may apply. They can raise your limit or note your pattern so deposits do not get held up. For deposits over $10,000 in a single transaction or pattern, the bank is required by federal law to file a Currency Transaction Report — this is routine and does not mean anything is wrong, but it is why the bank may ask questions about the source of the cash.

Depositing cash when you do not have a Bank of America account

You cannot use a Bank of America ATM to deposit cash into an account at another bank. The ATM only accepts deposits to Bank of America accounts. If you have an account at a different bank, you will need to use that bank's ATM or visit a branch to deposit cash.

If you are trying to deposit cash into someone else's Bank of America account, that is not possible through an ATM. The person who owns the account must deposit it themselves, or you can transfer money to them through a peer-to-peer payment app like Zelle, Venmo, or PayPal if they have one set up.

Troubleshooting when your deposit does not show up

If you deposited cash at a Bank of America ATM and the money has not appeared in your account after two business days, log into your online banking or mobile app and check your recent transactions. Look for a pending deposit or a hold notice. If you see nothing, contact Bank of America customer service with your receipt and the ATM location.

Provide the date, time, amount, and the specific ATM address where you made the deposit. Bank of America can pull the ATM's transaction log and confirm whether the machine recorded your deposit. If it did, they can trace where the money went and credit your account if there was an error. If the machine did not record the deposit, the bank will investigate the ATM's vault during the next scheduled maintenance and may recover your cash.

Keep your ATM receipt for at least 30 days after any deposit. This is your proof of the transaction and makes it much faster for the bank to investigate if something goes wrong.

Frequently Asked Questions

Can I deposit checks and cash at the same Bank of America ATM?

Some Bank of America ATMs accept both cash and check deposits, but not all. Use the ATM locator to see which services each machine offers. If you need to deposit both, you may need to visit a machine that has both slots, or make two separate trips to different ATMs.

What time does the ATM cutoff happen for same-day deposits?

Bank of America's cutoff for same-day posting is typically around 9 p.m. Eastern Time, but this can vary by location and account type. Deposits made after that time post the next business day. Check your account terms or call customer service to confirm the exact cutoff for your account.

Do I need to be a Bank of America customer to use their ATMs?

You must have a Bank of America account to deposit cash at their ATMs. Non-customers can withdraw cash at Bank of America ATMs if they use a debit card from another bank, but they cannot deposit.

What should I do if the ATM eats my cash and does not give me a receipt?

Contact Bank of America immediately with the date, time, and ATM location. Do not wait. The bank can pull the machine's transaction log and see if your cash was recorded. If it was, they will credit your account. If it was not, they will investigate the ATM's vault during the next service cycle.

Can I deposit cash at a Bank of America ATM outside the United States?

Bank of America ATMs outside the U.S. are operated by partner banks and may not accept cash deposits, even if they are branded as Bank of America. Use the ATM locator before you travel, or visit a local branch of Bank of America's international partner bank to deposit cash.