How to Deposit Cash at an ATM

Finding a Suitable ATM

Before starting your cash deposit, you need to locate an ATM that accepts cash deposits. Not all ATMs offer this feature, so:

• Use your bank's website or mobile app locator tool
• Check if your bank is part of a larger ATM network
• Consider using ATMs in well-lit areas or bank vestibules for safety
• Verify the ATM accepts cash deposits before proceeding

Preparation

Before heading to the ATM:

• Ensure you have your debit card ready
• Count and organize bills facing the same direction
• Remove paper clips, rubber bands, or foreign objects
• Verify bills are not torn or severely damaged

Important: Never insert coins into an ATM. Cash deposits are for paper currency only.

Step-by-Step Deposit Process

1. Insert Your Card and Login

• Insert your debit card into the ATM
• Enter your PIN while covering the keypad
• Choose your preferred language if prompted

2. Select Deposit Options

1. Choose "Deposit" or "Cash Deposit" from the main menu
2. Select the account type for your deposit:
   • Checking account
   • Savings account
   • Money market account

3. Insert Cash

• Follow the on-screen instructions carefully
• Modern ATMs accept stacks of bills at once
• Older machines might require one bill at a time
• The ATM will count and display the total amount

4. Verify and Complete

• Confirm the counted amount matches your deposit
• Choose whether to print a receipt
• Wait for transaction completion before leaving

When Funds Become Available

Safety Considerations

• Shield the keypad when entering your PIN
• Be aware of your surroundings
• Choose ATMs in busy locations
• Don't walk away until the transaction is complete
• Keep your receipt as proof of deposit

Troubleshooting Common Issues

If you encounter problems during your deposit:

1. Cancel the transaction if possible
2. Remove your card
3. Contact your bank immediately if:
   • The ATM fails to process your deposit
   • The receipt shows an incorrect amount
   • The deposit doesn't appear in your account

Tips for Success

• Check ATM deposit limits before proceeding
• Use your own bank's ATM to avoid fees
• Verify funds through online banking or mobile app
• Consider mobile banking apps for check deposits as an alternative

For more information, visit:

• NerdWallet's guide on using ATMs
• Federal Deposit Insurance Corporation
• Your bank's ATM locator tool (e.g., Bank of America)