How to Deposit Cash on a Card at an ATM

Preparing for Your ATM Deposit

Before heading to an ATM to deposit cash, ensure the machine supports this transaction. Not all ATMs accept cash deposits; many independent or third-party ATMs primarily offer withdrawals or balance inquiries. Identify deposit-enabled ATMs by bank branding, a “deposit” option on the screen, or by using your bank’s mobile app or website locator.

Verify your card is eligible for a cash deposit. Generally, debit cards linked to your checking or savings account are compatible with ATM cash deposits, allowing funds to be directly added to your linked bank balance. Some reloadable prepaid cards may also accept cash deposits at specific ATMs, depending on the card issuer’s policies. Credit cards, however, are typically not designed for cash deposits at an ATM, as they are credit lines rather than deposit accounts.

Once the ATM and eligible card are identified, gather the necessary items. You will need the physical debit or prepaid card, your Personal Identification Number (PIN), and the cash you intend to deposit. Preparing your cash beforehand helps streamline the process; ensure all bills are unfolded, flat, and free from any tears or excessive wear. Most ATMs accept only paper currency and do not process coins, so separate any coinage prior to your visit.

Step-by-Step ATM Cash Deposit

Upon arriving at the deposit-enabled ATM, insert your card into the designated slot to initiate the transaction. The ATM screen will then prompt you to enter your Personal Identification Number (PIN) using the keypad. After entering your PIN, the main menu will appear, presenting various transaction options. From these choices, select “Deposit,” then “Cash Deposit” to add funds.

Following your selection, the ATM’s cash acceptance slot will open or indicate where to insert your bills. Carefully insert your prepared cash into this slot. The machine will automatically count the inserted currency. This counting process takes a few moments, and the ATM display will show the total amount of cash recognized. Wait for the machine to complete its count before proceeding.

After the ATM finishes counting, the screen will display a summary of your deposit, showing the total amount of cash received. Review the displayed amount to ensure it matches the sum you intended to deposit. If the amount is correct, confirm the transaction on the screen. If there is a discrepancy, some ATMs offer an option to add more cash or cancel the transaction.

Once confirmed, the ATM will process and finalize the deposit. You will then be prompted to choose whether you would like a printed receipt for your records. Opt for a receipt, as it provides immediate proof of your transaction, including the date, time, ATM location, and the deposited amount. The ATM will then return your card, signaling the completion of the deposit process.

Confirming Your Deposit

After completing your ATM cash deposit, review the printed receipt. This document serves as immediate proof of your deposit, detailing the amount, date, and time. Keep this receipt in a secure place; it is a valuable record should any questions arise later.

Verify that the deposited funds have been reflected in your account balance. This can be done using your bank’s mobile banking application, online banking portal, or by performing another balance inquiry at an ATM. Many ATM cash deposits are processed in real-time, meaning funds are available almost immediately.

Should you notice any discrepancy between the amount on your receipt and your account balance, or if funds do not appear within the expected timeframe, promptly contact your bank’s customer service. Having your ATM receipt readily available will assist the bank in investigating and resolving any issues efficiently.