Where you can deposit cash at Bank of America
You can deposit cash at any Bank of America branch during business hours, at any Bank of America ATM that accepts deposits, or through a Bank of America partner network. The fastest and most direct route is a staffed branch, where a teller can count the cash, verify it, and credit your account immediately. ATMs that accept cash deposits (marked with a green deposit symbol) process the money the same way, though the funds may take until the next business day to appear in your account depending on the time of deposit.
Bank of America also participates in the Allpoint network, which includes thousands of ATMs at retailers like Walmart, Target, and CVS. However, Allpoint ATMs typically do not accept cash deposits—they are mainly for withdrawals. If you have a Bank of America debit card, you can also make cash deposits at some partner banks and credit unions through the CO-OP network, though this varies by location and is less common than branch or ATM deposit.
Key Takeaways
- Bank of America branches accept cash deposits during business hours and credit your account immediately when you deposit with a teller.
- Bank of America ATMs with a green deposit symbol accept cash and typically post funds by the next business day.
- Deposits made after business hours or on weekends at ATMs will not post until the next business day.
- You will need your debit card or account number to use an ATM deposit, and your ID if you deposit more than $10,000 in cash at a branch.
Depositing cash at a Bank of America branch
Walk into any Bank of America branch with your cash and your debit card or account number. Tell the teller you want to make a cash deposit. The teller will ask which account you want to deposit into (if you have more than one), count the cash in front of you, and give you a receipt showing the amount deposited. The money is available in your account immediately.
If you are depositing more than $10,000 in a single transaction, the teller will ask for a government-issued ID and may ask questions about the source of the cash. This is a federal requirement, not a Bank of America policy. You do not need to worry about this triggering any problem—it is a routine part of banking. The teller will fill out a Currency Transaction Report (CTR), which is standard procedure.
Branch hours vary by location. You can find your nearest branch and its hours on the Bank of America website or by calling 1-800-432-1000. Some branches are open on Saturdays; very few are open on Sundays.
Depositing cash at a Bank of America ATM
Not all Bank of America ATMs accept cash deposits. Look for the green deposit symbol on the machine or check the Bank of America ATM locator online to confirm the machine accepts deposits before you go. Insert your debit card, enter your PIN, and select "Deposit" from the menu. The ATM will guide you through the process: you insert the cash into the slot, the machine counts it, and you confirm the amount on the screen before completing the transaction.
The ATM will print a receipt showing the deposit amount. Funds deposited at an ATM typically post to your account by the next business day. If you deposit cash after 9 p.m. or on a weekend, the deposit will not post until the next business day. Some ATMs have daily deposit limits—often $5,000 to $10,000 per transaction—so if you are depositing a large amount, you may need to split it across multiple ATMs or use a branch instead.
If the ATM rejects your cash or malfunctions during the deposit, the machine will return your money immediately. If this happens, take the cash and receipt to a branch to complete the deposit in person.
What happens after you deposit cash
At a branch, the money is available immediately. At an ATM, the money is typically available by the next business day, though Bank of America may hold the funds for up to two business days in some cases. You can check your account balance online or through the Bank of America mobile app to see when the deposit posts.
If you need the cash to be available the same day, deposit it at a branch before the branch closes. If you deposit at an ATM after hours, plan for the funds to arrive the next business day. On holidays when banks are closed, deposits may take an extra day to post.
Depositing cash without a debit card
If you do not have a Bank of America debit card, you can still deposit cash at a branch by providing your account number. The teller will look up your account using your name and account number, count the cash, and credit your account. You will need a government-issued ID. This works the same way as a debit card deposit—the money posts immediately.
You cannot use an ATM to deposit cash without a debit card, because ATMs require a card to authenticate your identity and route the deposit to the correct account. If you do not have a debit card and need to deposit cash regularly, consider opening a debit card account or visiting a branch each time.
Depositing cash from someone else's account
You can deposit cash into someone else's Bank of America account at a branch. Bring the cash, the account holder's account number, and your government-issued ID. The teller will ask you to confirm the account number and the amount, and will credit the account immediately. The account holder does not need to be present.
You cannot deposit cash into someone else's account at an ATM—ATMs only accept deposits to the account associated with the debit card you insert. If you need to deposit cash into another person's account, go to a branch.
Frequently Asked Questions
Can I deposit cash at a Bank of America ATM after the branch closes?
Yes. ATMs are available 24 hours a day. However, cash deposited after business hours or on weekends will not post to your account until the next business day. If you need the money available the same day, deposit it at a branch before it closes.
What is the maximum amount of cash I can deposit?
There is no Bank of America limit on how much cash you can deposit in a single day. However, ATMs may have daily limits of $5,000 to $10,000 per transaction. If you are depositing a large amount, use a branch or make multiple ATM deposits. Deposits over $10,000 require ID and trigger a Currency Transaction Report.
Do I need to tell Bank of America where the cash came from?
Only if you deposit more than $10,000 in a single transaction. The teller will ask routine questions about the source—for example, whether it is from your job, a sale, or a gift. This is federal law, not a Bank of America rule. Honest answers are all that is needed.
What if the ATM keeps my cash?
If an ATM malfunctions and does not return your cash, contact Bank of America immediately at 1-800-432-1000. Report the ATM location, the time of the deposit, and the amount. Bank of America will investigate and refund you if the ATM error is confirmed. Keep your receipt as proof.
Can I deposit a check and cash at the same time?
Yes, at a branch or at an ATM that accepts both. At a branch, hand both to the teller and they will process them together on one receipt. At an ATM, select "Deposit" and follow the prompts—most machines will accept both a check and cash in the same transaction.