Yes, you can deposit cash at most Bank of America ATMs
Bank of America ATMs equipped with a cash deposit slot will accept your cash deposits 24 hours a day, 7 days a week. The machine reads and counts the bills you insert, shows you the total on screen, and credits the deposit to your account immediately or within one business day depending on the time of deposit. You do not need an envelope — the ATM processes the cash directly.
Not every Bank of America ATM has a deposit slot. Older machines or those in smaller branches may only dispense cash. Before you go, check the ATM locator on the Bank of America website or mobile app to confirm the machine accepts deposits, or call the branch directly.
Key Takeaways
- Bank of America ATMs with deposit capability accept cash deposits around the clock, and the funds post to your account the same day or next business day.
- You must use an ATM that has a cash deposit slot — not all Bank of America machines have one.
- The ATM counts the cash and displays the total on screen before you confirm the deposit.
- Deposits made after business hours or on weekends may post the next business day rather than the same day.
- If the ATM rejects a bill or malfunctions, contact Bank of America customer service with the date, time, and ATM location to report the issue.
How the deposit process works at the ATM
Insert your debit card and enter your PIN to log in. Navigate to the deposit menu and select "Deposit Cash." The machine will prompt you to insert bills one at a time or in a stack, depending on the model. Feed the cash into the slot slowly and let the machine pull each bill in — do not force it.
The ATM scans each bill, counts the total, and displays the amount on screen. Review the total carefully. If it is correct, confirm the deposit. If the amount is wrong, cancel the transaction and the ATM will return your cash. Once you confirm, the machine prints a receipt showing the deposit amount, date, and time. Keep this receipt until you see the deposit in your account.
When the deposit posts to your account
Deposits made before 9 p.m. Eastern Time on a business day (Monday through Friday) typically post the same day. Deposits made after 9 p.m., on weekends, or on federal holidays post the next business day. Bank of America considers Saturday and Sunday non-business days, so a deposit made on Friday night may not post until Monday.
Check your account online or through the mobile app to confirm the deposit has posted. If more than one business day has passed and the deposit does not appear, contact Bank of America to report it.
What to do if the ATM rejects your cash
The ATM may reject bills that are torn, heavily creased, or too worn to scan. If this happens, the machine will return the bill and display an error message. Remove the rejected bill and try inserting it again, or use a different bill instead.
If the ATM accepts some bills but rejects others from the same stack, you can deposit the accepted bills and keep the rejected ones. The receipt will show only the amount of cash the machine accepted. If the ATM malfunctions and keeps your cash without crediting it, note the exact time, date, and ATM location, then call Bank of America customer service at 1-800-432-1000 to report the issue and request a trace.
Deposit limits at Bank of America ATMs
Bank of America does not publish a single deposit limit that applies to all customers. Limits vary based on your account type, account history, and the specific ATM. Some ATMs may accept up to $5,000 or more in a single transaction, while others accept less.
If you are depositing a large amount of cash, ask your branch in advance what the limit is for your account. If the ATM rejects your deposit because you have exceeded the limit, you can deposit the remaining cash in a separate transaction or visit a teller inside the branch during business hours.
Depositing cash without a Bank of America ATM card
You cannot deposit cash at a Bank of America ATM without inserting a debit card and entering a PIN. If you do not have a Bank of America account or debit card, you will need to visit a branch in person and speak with a teller. Bring your cash and a valid ID.
If you have a Bank of America account but forgot your card or PIN, visit a branch to reset your PIN or request a replacement card. You can also deposit cash at the teller window during branch hours without using an ATM.
Frequently Asked Questions
Do I need an envelope to deposit cash at a Bank of America ATM?
No. The ATM has a built-in cash deposit slot and does not require an envelope. The machine scans and counts the bills directly. You will receive a printed receipt showing the deposit amount.
What happens if the ATM eats my money?
If the ATM accepts your cash but does not credit it to your account, contact Bank of America customer service with the date, time, and ATM location. The bank will investigate and trace the deposit. Keep your receipt as proof of the transaction.
Can I deposit checks and cash at the same ATM?
Yes. Most Bank of America ATMs with deposit capability accept both cash and checks in the same transaction. Insert the cash first, then insert checks one at a time when prompted. The receipt will show the total of both.
Is there a fee to deposit cash at a Bank of America ATM?
No. Bank of America does not charge a fee for cash deposits at its own ATMs for account holders. If you use an ATM owned by another bank, you may be charged a fee by that bank.
How do I find a Bank of America ATM that accepts cash deposits?
Use the ATM locator on the Bank of America website or mobile app. Search for ATMs near your location and filter for "cash deposit" capability. You can also call your local Bank of America branch to ask which nearby ATMs accept deposits.