Bank of America accepts coins, but only through specific methods and with some restrictions
Yes, Bank of America takes coins. You can deposit coins at most Bank of America branches during business hours at a teller window, and you can also use their coin counting machines if your branch has one. However, the bank does not accept coins at ATMs, and some branches may have limits on how many coins you can deposit at once or may require coins to be rolled and sorted by denomination.
The easiest way to find out what your specific branch accepts is to call ahead or visit in person. Coin policies can vary slightly between locations, and some branches are busier than others — a branch manager can tell you whether they have a coin counter, what their current limits are, and the best time to bring coins in.
Key Takeaways
- Bank of America accepts coins at teller windows during regular branch hours, but policies on loose versus rolled coins vary by location.
- Some Bank of America branches have coin counting machines you can use yourself, while others require tellers to count coins manually.
- ATMs do not accept coins at any Bank of America location.
- Calling your branch before you go saves time, especially if you have a large amount of coins or need to know whether they have a coin counter.
- If your branch cannot process your coins, you can roll them yourself and deposit them, or use a Coinstar machine at a grocery store or retail location.
How to deposit coins at a Bank of America branch
Walk into your local Bank of America branch during business hours with your coins. You do not need an appointment. Tell the teller you want to deposit coins into your account. If you have a large amount, the teller may ask you to wait while they count them, or they may ask you to come back at a slower time.
Bring your debit card or account number so the teller can credit the deposit to the right account. If the coins are loose, the teller will count them. If they are already rolled, the teller will usually accept them as-is, though they may spot-check a few rolls to make sure the count is accurate. Rolled coins should follow standard denominations: pennies in rolls of 50, nickels in rolls of 40, dimes in rolls of 50, and quarters in rolls of 40.
The deposit posts to your account the same day or the next business day, depending on the time you deposit and your branch's processing schedule. Ask the teller for a receipt so you have a record of the deposit amount.
Coin counting machines at Bank of America branches
Some Bank of America branches have self-service coin counting machines. These machines are usually located near the teller area or in the lobby. You pour your coins into the machine, it counts them, and it prints a receipt showing the total. You then take the receipt to a teller, who credits the amount to your account.
Not every branch has a coin counter. If you want to use one, call your branch ahead of time and ask whether they have a machine available. If they do, ask what hours it is available — some branches limit access to certain times of day. Bring your coins in a bag or container that is easy to pour from.
What to do if your branch does not accept coins or has limits
If your Bank of America branch cannot process your coins or has a limit you cannot meet, you have other options. You can roll the coins yourself using coin wrappers (available at most grocery stores and pharmacies) and deposit them at the teller window. Rolled coins are usually processed faster than loose coins because the teller does not have to count them.
You can also use a Coinstar machine, which is a coin-counting kiosk found in grocery stores, pharmacies, and retail locations. Coinstar counts your coins and gives you cash or a gift card in return. There is a fee — usually around 11.9% of the total — but you walk out with usable money immediately. Some Coinstar machines also offer the option to get a voucher that you can deposit at certain banks without a fee, so check whether that option is available at a machine near you.
Coins at Bank of America ATMs
Bank of America ATMs do not accept coins under any circumstances. ATMs only take paper bills and dispense paper bills. If you need to deposit coins, you must go to a teller window inside a branch during business hours.
This is true for all Bank of America ATMs, including those located inside branches, at retail partners, and in other locations. If you have only coins and no way to get to a branch, a Coinstar machine or coin wrapper method are your fastest alternatives.
Large coin deposits and what to expect
If you are depositing a very large amount of coins — say, more than a few hundred dollars — call your branch first. Some branches may ask you to bring the coins in rolled form to speed up processing, or they may ask you to come at a specific time when a manager is available. Large deposits may also trigger additional verification or reporting requirements, especially if the amount is unusual for your account.
Bank of America, like all banks, is required to report cash deposits over $10,000 to the federal government using a Currency Transaction Report (CTR). This is standard practice and does not mean anything is wrong — it is simply how banks comply with federal law. If your coin deposit is part of a larger cash deposit that crosses this threshold, the bank will file the report automatically.
Frequently Asked Questions
Can I deposit coins at a Bank of America ATM?
No. ATMs only accept paper bills. You must deposit coins at a teller window inside a branch during business hours.
Do I have to roll my coins before depositing them?
No, but rolling them first speeds up the process. Loose coins require the teller to count them manually, which takes longer. If you roll them, the teller can usually process them faster and may not need to recount them.
What if my branch does not have a coin counter?
You can still deposit coins at the teller window. The teller will count loose coins or accept pre-rolled coins. If you prefer not to wait, you can roll the coins yourself at home using coin wrappers, or use a Coinstar machine at a nearby grocery store or pharmacy.
Is there a limit to how many coins I can deposit?
Bank of America does not publish a hard limit, but individual branches may have practical limits based on staffing and time. Call your branch to ask about their policy, especially if you have a very large amount.
Will depositing coins trigger any special reporting?
Coin deposits are treated like any other cash deposit. If your total cash deposit (coins plus bills) exceeds $10,000 in a single day, the bank will file a Currency Transaction Report with the federal government. This is routine and required by law.