Yes, you can deposit cash at most Bank of America ATMs
Bank of America ATMs that have a cash deposit slot will accept your cash deposits directly into your account. The machine reads the bills, counts them, and credits your account immediately or within one business day depending on the time of deposit. Not every ATM has this feature — older machines or those in remote locations may only allow withdrawals — so look for the deposit slot before you approach the machine.
Cash deposits made before 9 p.m. Eastern Time on a business day typically post to your account the same day. Deposits made after 9 p.m. or on weekends and holidays usually post the next business day. The ATM will give you a receipt showing the amount deposited, but the funds may not be available for withdrawal immediately if you are depositing into an account at a different bank.
If you are a Bank of America customer depositing into your own account, there is no fee for using a Bank of America ATM. If you are not a Bank of America customer, you cannot use the deposit feature — only Bank of America account holders can deposit cash at these machines.
Key Takeaways
- Cash deposits at Bank of America ATMs with deposit slots post to your account the same day if made before 9 p.m. Eastern Time on a business day.
- Only Bank of America account holders can deposit cash at Bank of America ATMs; non-customers cannot use the deposit feature.
- The ATM counts the bills and gives you a receipt, but you should keep that receipt until the deposit appears in your online banking.
- If the ATM rejects a bill or malfunctions during your deposit, contact Bank of America customer service with your receipt and the time of the transaction.
Finding a Bank of America ATM with a cash deposit slot
Not all Bank of America ATMs accept cash deposits. To find one that does, use the ATM locator on the Bank of America website or mobile app — it will show you which machines have deposit capability. You can also call Bank of America customer service at 1-800-432-1000 to ask which ATMs near you accept cash deposits.
Bank of America ATMs are located inside branches, at grocery stores, pharmacies, and other retail locations. Machines inside branches are open during business hours only, while those in retail locations may be available 24/7. If you need to deposit cash outside of branch hours, look for an ATM in a retail location that stays open late.
What happens when you deposit cash at the ATM
When you insert your debit card and enter your PIN, the ATM will display a menu. Select "Deposit" and choose "Cash." The machine will prompt you to insert your bills one at a time or in a stack, depending on the model. Feed the bills into the slot slowly and let the machine pull them in — do not force them.
The ATM scans each bill and displays the amount on the screen as it processes them. If a bill is damaged, torn, or counterfeit, the machine will reject it and return it to you. Once all bills are accepted, the ATM will show you the total amount deposited and ask you to confirm. Review the total carefully — if it is wrong, press "Correct" and the machine will return your cash so you can try again.
After you confirm, the ATM prints a receipt showing the deposit amount, date, time, and your account number. The receipt is your proof of deposit. Take it with you and compare it to your account balance within one business day to make sure the deposit posted correctly.
Deposit limits and holds on cash deposits
Bank of America does not publish a single daily deposit limit for ATM cash deposits — the limit depends on your account type and history. New accounts or accounts with limited transaction history may have lower limits than established accounts. If you try to deposit more than your limit, the ATM will reject the excess and return it to you.
Cash deposits are generally not subject to a hold, meaning the funds are available for withdrawal immediately after the deposit posts. However, if you deposit a very large amount or if your account has been flagged for unusual activity, Bank of America may place a temporary hold on the funds. If this happens, you will see a note in your online banking explaining the hold and when the funds will be released.
What to do if the ATM keeps your cash or malfunctions
If the ATM accepts your cash but then malfunctions before printing a receipt, or if it rejects your bills and does not return them, contact Bank of America immediately. Have your receipt (if you got one), the time of the transaction, and the ATM location ready. Bank of America will investigate and credit your account if the cash was taken by the machine.
Investigations typically take 5 to 10 business days. During this time, Bank of America will review the ATM's internal records and video footage to confirm whether your cash was deposited or retained by the machine. If the investigation confirms the machine kept your cash, Bank of America will credit your account for the full amount.
If you do not receive a receipt and the ATM does not return your cash, do not assume the deposit went through. Call Bank of America the same day and report the issue. The sooner you report it, the easier it is for Bank of America to locate the transaction in the ATM's records.
Depositing cash when you do not have your debit card
You cannot deposit cash at a Bank of America ATM without your debit card and PIN. The machine requires authentication to ensure the deposit goes into the correct account. If you have lost your card, you will need to visit a Bank of America branch in person to deposit cash, or order a replacement card and wait for it to arrive.
If you are trying to deposit cash into someone else's account, you cannot do it at an ATM. You will need to go to a Bank of America branch and speak with a teller. Bring the account holder's name and account number, and be prepared to show your ID. The teller will process the deposit and provide a receipt.
Frequently Asked Questions
Does Bank of America charge a fee to deposit cash at an ATM?
No. Bank of America does not charge a fee for cash deposits at its own ATMs if you are a Bank of America account holder. If you are depositing into an account at a different bank, you will need to use that bank's ATM or visit a branch.
How long does it take for a cash deposit to show up in my account?
Deposits made before 9 p.m. Eastern Time on a business day post the same day. Deposits made after 9 p.m. or on weekends and holidays post the next business day. You can check your account balance online or through the mobile app to see when the deposit appears.
What if the ATM says my deposit was successful but the money never appears in my account?
Wait one full business day for the deposit to post. If it still has not appeared, contact Bank of America with your receipt and the date and time of the deposit. Bank of America will investigate and locate the transaction in the ATM's records.
Can I deposit checks and cash at the same ATM visit?
Yes. Most Bank of America ATMs with deposit capability accept both cash and checks. Insert your card, select "Deposit," and choose whether you want to deposit cash, checks, or both. The machine will process them separately and show you the total amount deposited.
What should I do if the ATM rejects all of my bills?
The machine may reject bills that are torn, creased, or too worn. Smooth out the bills gently and try again. If the ATM continues to reject them, the bills may be too damaged to process. Visit a Bank of America branch and a teller can deposit them for you, or exchange the damaged bills at your bank for new ones.