Yes, you can deposit cash into your BB&T checking account at a branch, ATM, or through a mobile deposit option

BB&T (now operating as Truist Financial Corporation after a 2019 merger) accepts cash deposits at physical branches during business hours, at ATMs equipped for cash deposits, and in some cases through their mobile app if you have a compatible scanner or envelope. The method you choose depends on when you need the deposit posted, whether you have access to a branch, and what your account type allows.

Cash deposits at a staffed teller window post immediately to your account on the same business day. ATM deposits typically post within one business day, though some may take longer depending on the time of day you deposit and the ATM location. Mobile deposits (if your account supports them) usually post within one to two business days after the bank processes the image.

Key Takeaways

  • Cash deposits at a BB&T teller window post the same business day, while ATM deposits usually post within one business day.
  • You can deposit cash at any BB&T branch during business hours, or at a BB&T ATM that displays a cash deposit symbol.
  • Not all BB&T accounts support mobile cash deposit, so check your account settings or call your branch to confirm.
  • Deposits made after the branch cutoff time (usually 5 or 6 p.m.) or on weekends post on the next business day.

Depositing cash at a BB&T branch

Walk into any BB&T branch with your cash and your debit card or account number. Tell the teller you want to deposit cash into your checking account. The teller will count the cash, record the amount, and give you a receipt showing the deposit. The money posts to your account immediately, so you can use it the same day if you need to.

Bring your debit card or know your account number so the teller can route the deposit to the correct account. If you have multiple accounts at BB&T, make sure you tell the teller which one you want the cash to go into. There is no limit on how much cash you can deposit, but the bank will file a Currency Transaction Report (CTR) with the federal government if you deposit more than $10,000 in a single transaction or multiple transactions on the same day that total more than $10,000.

Using a BB&T ATM for cash deposits

Not every BB&T ATM accepts cash deposits. Look for the cash deposit symbol on the machine before you approach it, or ask a teller which ATMs in your area have that feature. Insert your debit card, enter your PIN, select "Deposit," choose "Cash," and follow the on-screen prompts. The ATM will ask you to insert your cash into the slot, and it will count the bills automatically.

ATM deposits usually post within one business day, but timing depends on when you deposit. A deposit made before the bank's cutoff time (typically 5 or 6 p.m. on a business day) may post the same day; deposits made after hours or on weekends post on the next business day. You will receive a receipt from the ATM showing the amount deposited. Keep this receipt until you see the deposit in your account online.

Mobile deposit for cash (if available on your account)

Some BB&T accounts allow you to deposit cash using the mobile app, but this feature is not available on all account types. To use mobile cash deposit, you typically need to photograph the cash using your phone's camera or a compatible scanner, and the app will guide you through the process. Check your BB&T mobile app to see if this option appears in your deposit menu.

If mobile cash deposit is available to you, the deposit usually posts within one to two business days. The bank may place a hold on the funds while they verify the images, especially for larger amounts. If you do not see the mobile deposit option in your app, contact your branch or call BB&T customer service to find out whether your account type supports it.

What happens if you deposit cash after hours or on a weekend

Cash deposits made at a staffed teller window after the branch closes (usually 5 or 6 p.m. on weekdays) or on weekends will not post until the next business day. If you need the money available immediately, deposit during business hours at a teller window instead of using an ATM or mobile deposit.

ATM deposits made on Friday evening or over the weekend will post on Monday morning, assuming Monday is a business day and the bank is open. If Monday is a holiday, the deposit posts on the next business day after that. Check your branch's hours before you go, since some BB&T locations have reduced hours on Saturdays or may be closed on Sundays.

Deposits over $10,000 and federal reporting

If you deposit $10,000 or more in cash in a single transaction, or if your deposits total $10,000 or more on the same day across multiple transactions, the bank is required by federal law to file a Currency Transaction Report (CTR) with the Financial Crimes Enforcement Network (FinCEN). This is a routine report and does not mean you have done anything wrong. The bank will not ask your permission to file it.

The CTR includes your name, account number, the amount deposited, and the date. It is filed automatically and you do not need to take any action. If you are depositing large amounts of cash regularly (for example, if you run a cash-based business), the bank may ask you questions about the source of the funds as part of their anti-money-laundering procedures. Answer honestly and provide documentation if asked.

Troubleshooting a cash deposit that did not post

If you deposited cash at a teller window and it has not appeared in your account by the end of the business day, contact your branch immediately. Teller deposits should post the same day, so a missing deposit needs to be investigated right away. Bring your receipt and your debit card or account number.

If you used an ATM and the deposit has not posted within two business days, log into your BB&T account online or call customer service with your receipt. The ATM may have rejected some or all of the bills if they were damaged, folded, or not inserted correctly. The bank will review the ATM transaction and let you know whether the cash was accepted or returned to the machine. If the cash was returned, you may need to retrieve it from the ATM or contact the branch where the machine is located.

Frequently Asked Questions

Can I deposit cash to someone else's BB&T account?

No, you cannot deposit cash into another person's account at the teller window without their permission and presence, or without being an authorized user on that account. If you want to send someone money, you can transfer funds between accounts online, use a peer-to-peer payment app, or have them deposit the cash themselves.

Is there a limit on how much cash I can deposit at one time?

There is no legal limit on cash deposits, but deposits of $10,000 or more trigger a federal Currency Transaction Report. The bank will not stop you from depositing large amounts, but they will file the report and may ask about the source of the funds.

What if the ATM keeps my cash and does not deposit it?

Contact your branch or BB&T customer service with your ATM receipt as soon as possible. The bank can review the transaction and determine whether the cash was accepted or rejected. If it was rejected, you may be able to retrieve it from the ATM or the branch will investigate further.

How long does it take for an ATM cash deposit to show up in my account?

Most ATM deposits post within one business day. Deposits made before the bank's cutoff time (usually 5 or 6 p.m.) may post the same day. Deposits made after hours or on weekends post on the next business day.

Do I need to tell the bank where the cash came from?

For deposits under $10,000, you do not need to explain the source. For deposits of $10,000 or more, the bank may ask questions about where the cash came from as part of their anti-money-laundering procedures. Be honest and provide documentation if asked.