Bank of America ATM deposit limits depend on your account type and the machine you use

Bank of America sets different deposit caps for different customers. Most personal checking and savings account holders can deposit up to $10,000 per day at a Bank of America ATM. If you have a premium account like Preferred Rewards, your limit may be higher — up to $25,000 per day. Business accounts often have different limits entirely, sometimes $15,000 or more depending on the account tier.

The limit resets each calendar day at midnight Eastern Time. If you hit the cap on Monday, you can deposit another full amount on Tuesday. The machine itself will reject any deposit that exceeds your personal limit, so you cannot accidentally go over.

These limits apply only to Bank of America ATMs. If you use an ATM owned by another bank or network, that machine's rules apply instead — and they may be lower. Some third-party ATMs accept no deposits at all.

Key Takeaways

  • Most Bank of America customers can deposit up to $10,000 per day at a Bank of America ATM; Preferred Rewards members may deposit up to $25,000.
  • The daily limit resets at midnight Eastern Time, so you can make another full deposit the next calendar day.
  • Business accounts have their own deposit limits, which vary by account type and should be confirmed with your banker.
  • ATMs owned by other banks or networks have their own limits, which are often lower than Bank of America's.
  • The ATM will reject any deposit that exceeds your limit; you cannot override it by trying multiple times in one day.

How deposit limits work across different account types

Bank of America organizes deposit limits by account category. A standard checking account and a standard savings account both carry the $10,000 daily limit. The limit is per account, not per person — if you hold two checking accounts, each one has its own $10,000 cap.

Preferred Rewards members — those enrolled in Bank of America's tiered rewards program — get higher limits. Gold tier members can deposit up to $25,000 per day. Platinum and Platinum Honors members also receive the $25,000 limit. You must be actively enrolled in Preferred Rewards to may have access to for the higher cap; simply having a may have access to account is not enough.

Business accounts operate under separate rules. A Business Checking account may allow $15,000 or more per day, but the exact amount depends on your specific account agreement and your relationship with the bank. Call your business banker or check your account documentation to confirm your limit.

What happens when you try to deposit more than your limit

The ATM will stop accepting cash or checks once you reach your daily limit. The machine displays a message saying you have hit your deposit cap and cannot add more funds at that time. The transaction ends, and any cash or checks you have already inserted are returned to you.

You cannot split a large deposit across multiple ATMs on the same day to bypass the limit. Bank of America tracks all deposits to your account across all its ATMs, and the daily total counts toward your cap regardless of which machine you used.

If you regularly need to deposit more than your limit allows, visit a branch during business hours instead. A teller can process larger deposits and may be able to note your account for higher limits if you have a legitimate business or personal reason.

Deposits at Bank of America branches versus ATMs

Branch deposits have no daily limit. A teller can accept any amount of cash or checks you bring in, and there is no cap on how much you can deposit in a single day. If you need to deposit $50,000 or $100,000, a branch is the only option.

Branches also handle deposits that ATMs cannot process. If you have a large number of checks, foreign currency, or damaged bills, a teller can accept them. ATMs typically handle only standard U.S. currency and checks in good condition.

Branch hours are limited, usually 9 a.m. to 5 p.m. on weekdays and shorter hours on Saturday. ATMs are available 24/7, which is why many people use them for routine deposits outside of business hours.

Mobile deposit and other ways to move money into your account

Bank of America's mobile app lets you photograph checks and deposit them without visiting an ATM or branch. Mobile deposit has its own daily limit, which is typically $2,500 per day for most customers, though Preferred Rewards members may have higher limits. Check your app to see your specific cap.

Mobile deposit is useful for smaller checks or when you cannot reach an ATM. The check image is transmitted securely, and the funds usually post within one business day.

Wire transfers and ACH transfers move money from other accounts into your Bank of America account with no daily deposit limit. These methods work for transfers from your own accounts at other banks or from other people sending you money. Wire transfers are faster but may carry a fee; ACH transfers are free but take one to three business days.

Deposit limits for cash versus checks

Bank of America applies the same daily limit to both cash and checks combined. If your limit is $10,000, that $10,000 covers all deposits — whether you deposit $5,000 in cash and $5,000 in checks, or $10,000 in one form.

ATMs can jam or reject checks if they are damaged, torn, or written in ink that the scanner cannot read. If the machine rejects a check, it returns it to you immediately. You can try again at another ATM or take it to a branch.

Some checks take longer to clear than others. A check from another Bank of America customer may post within one business day, while a check from a small regional bank may take three to five business days. The deposit limit applies when you deposit the check, not when it clears.

International deposits and currency restrictions

Bank of America ATMs accept only U.S. dollars. If you have foreign currency, you must exchange it at a branch or use a currency exchange service before depositing it into your account.

Some branches offer currency exchange, but not all locations do. Call ahead to confirm that your branch provides this service and ask about exchange rates and fees.

If you receive a check written in a foreign currency, take it to a branch. A teller can help you deposit it, though the bank will deduct a fee and the check may take longer to clear.

Frequently Asked Questions

Can I deposit checks at a Bank of America ATM if I do not have a Bank of America account?

No. You must have a Bank of America account to use the ATM for deposits. The machine reads your card and verifies your account before accepting any deposits. If you do not have an account, you cannot deposit at a Bank of America ATM.

Does the deposit limit reset if I withdraw money from my account?

No. The deposit limit is separate from your account balance. Withdrawing $5,000 does not give you an additional $5,000 in deposit capacity. Your daily deposit limit is fixed and resets only at midnight Eastern Time each day.

What if I deposit a check that bounces after I have already hit my daily limit?

The bounced check does not free up deposit capacity for that day. The limit is based on the amount you deposited, not on whether the check cleared. If the check bounces, the funds are removed from your account, but your daily deposit limit for that calendar day remains used.

Can I ask Bank of America to increase my daily ATM deposit limit?

You can contact your banker or visit a branch to discuss your deposit needs. Bank of America may increase your limit if you have a legitimate reason and a good account history, but there is no may provide. Business customers are more likely to receive higher limits than personal account holders.

Do Bank of America ATMs in other countries have different deposit limits?

Bank of America does not operate ATMs outside the United States. If you are traveling internationally, you will need to use ATMs owned by local banks or networks, which have their own deposit rules and limits.