Can You Deposit Cash at Any ATM? Top Banks’ Policies (2024)

No, you can’t deposit cash at just any ATM. Not all ATMs are set up to accept deposits. And many banks and credit unions simply won’t let you deposit cash into your account using an ATM they don’t own or have a partnership with. Big nationwide banks are especially unlikely to allow the practice because they have enough of their own ATMs that it’s not worth the hassle. But that’s obviously not the case for many financial institutions. So some people may be able to deposit cash at any ATM. If that describes you, note that cash deposits at an ATM not affiliated with your bank or credit union will take longer than usual to process: up to 5 business days, rather than immediately or the next business day. Your bank or credit union won’t be responsible for such deposits if something goes wrong, either. You’ll have to contact the ATM owner.

Although each bank and credit union has its own policy regarding whether you can deposit cash at any ATM, you can get a good idea of what to expect by considering how some of the biggest players handle the issue. They account for a significant share of the deposit account market, after all.

These banks and credit unions let you deposit cash at any ATM:

• Capital One: You can deposit money at any ATM that’s part of the AllPoint network, over 39,000 ATMs total. For some accounts, you can get reimbursed for up to $15 in ATM fees from other banks per billing period, and this will happen within 5 business days.
• Navy Federal Credit Union: NFCU says you can make deposits at 9,000 CO-OP Network ATMs. But your deposit will be held for 5 business days before it’s available. And you can’t deposit more than $10,000 per day at CO-OP ATMs. There are no fees from NFCU or CO-OP. You’re allowed to use Visa/PLUS System and CashPoints ATMs, too, but not for deposits.
• PNC: You can deposit money at non-PNC ATMs, but your funds won't be available until 4 business days later. You might also be charged a fee by the ATM owner, but PNC reimburses some fees for their “Virtual Wallet” customers.
• State Employees Credit Union: You can make deposits at any CashPoints ATM. And you won’t be charged fees by CashPoints or SECU.
• TD Bank: Deposits are allowed at any ATM in the Cirrus or PLUS networks. Only the first $100 deposited will be available immediately, while the rest may take up to 5 business days. You may also have to pay a fee depending on the ATM.

These banks and credit unions don’t let you deposit cash at any ATM:

• Bank of America: Deposits can only be made at Bank of America-branded ATMs. Withdrawals, transfers and balance inquiries can be made from other ATMs, though a $2.50 fee from BofA will apply, likely in addition to an ATM-owner surcharge.
• Chase: You can only deposit cash and checks at Chase ATMs. Withdrawals, transfers and balance inquiries can be done at any ATM. Chase’s Total Checking and College Checking accounts charge a $2.50 fee for each out-of-network ATM transaction. Chase does not charge such a fee for the Premier Plus Checking account, but a fee from the ATM owner could still apply.
• Citibank: You can only deposit cash and checks at Citibank ATMs. You can use non-Citibank ATMs in the MoneyPass network to get cash, check balances or make transfers. Neither Citi nor MoneyPass will charge you a fee.
• Pentagon Federal Credit Union: PenFed only allows deposits at their own ATMs (or by taking a picture of a check with their mobile app). You can perform other functions like withdrawals at AllPoint or CO-OP ATMs with no fees. You can also withdraw from other types of ATMs but may be subject to a fee by the owner.
• U.S. Bank: U.S. Bank says you “generally” can’t make deposits at ATMs that lack the U.S. Bank logo. And if such a deposit is accepted, funds won’t be available until the fifth business day after the request. As usual, withdrawals, transfers and balance checks can be done at other ATMs. Some U.S. Bank checking accounts charge $2.50 per such transaction.
• Wells Fargo: You can only deposit funds into a Wells Fargo checking account at a Wells Fargo ATM. Withdrawals, transfers and balance inquiries work at other ATMs. But a $2.50 fee from Wells Fargo will apply, along with any applicable ATM-owner surcharge.

If you’re unsure about which ATMs you can use to make a deposit and what fees you may be charged, the best approach is to call your bank or credit union and consult your account agreement. This will generally be posted online.