Can You Deposit Money at an ATM That Isn’t Your Bank? (2025 Guide)

Need to deposit cash fast but can’t get to your own bank’s ATM? You’re not alone. Many people wonder if they can deposit money at an ATM that isn’t their bank. The short answer: usually no — but there are a few exceptions and safe alternatives worth knowing. This guide breaks down how off-network deposits work, when they’re allowed, and what options you have for quick access to your funds.

Why Most ATMs Don’t Accept Deposits from Other Banks

ATMs are typically connected to their bank’s internal network, which verifies deposit details and posts them to customer accounts. If you try to deposit money at a machine that doesn’t belong to your bank, that ATM likely can’t communicate directly with your financial institution — meaning it can’t securely verify or credit your deposit.

Even if the ATM accepts your card for withdrawals or balance checks, deposits usually won’t process unless your bank is part of that ATM’s network. You may still be able to withdraw funds, but not add money to your account.

For a breakdown of how deposits work at compatible machines, see our guide on depositing cash at an ATM without an envelope.

When You Can Deposit at Another Bank’s ATM

Although rare, there are cases where you can make deposits outside your bank’s own network:

Shared ATM networks: Many credit unions and smaller banks use cooperative networks (like CO-OP or Allpoint) that allow shared deposit functionality for members.
Partner banks: Some major banks have partnerships that let customers make deposits across brands — especially if they merged or share backend infrastructure.
Prepaid and fintech accounts: Certain prepaid cards and digital banking services partner with third-party ATMs or retail locations to allow cash deposits (for example, Green Dot, Netspend, or Cash App via MoneyPak).

In all other cases, you’ll need to use your bank’s own ATM, visit a branch, or use an alternate deposit method such as mobile check deposit or retail reload.

Risks of Depositing at a Non-Network ATM

If an off-network ATM does accept deposits, proceed with caution. There are several potential drawbacks:

Hefty fees: Expect a “convenience” or processing fee, often both a flat amount and a percentage of the deposit.
Long holds: Funds might not appear in your account for 7–10 business days or more while the transaction is verified manually.
Limited accountability: If an issue arises (lost cash or incorrect total), resolving it can be difficult since your bank doesn’t own the machine.

For safety, it’s better to find an ATM that belongs to your bank or one clearly listed as a shared network partner. If you’re unsure, check the logos displayed on the ATM (like Visa Plus, Cirrus, Allpoint, or MoneyPass).

Deposit Limits and Machine Restrictions

Even when deposits are accepted, many ATMs impose strict limits on both amount and bill count. Examples include:

Cash limits: Usually between $1,000 and $5,000 per deposit depending on your bank’s policy.
Bill count limits: Envelope-free ATMs typically accept 30–50 bills per transaction.
Envelope deposits: Older ATMs may still require paper envelopes with slips — slower and riskier for non-network use.

Always review on-screen instructions and nearby signage before inserting cash. Machines will usually state if deposits are accepted — and what the conditions are.

Safer Alternatives for Depositing Cash

Visit your bank’s own ATM: This ensures faster posting, no confusion, and minimal risk.
Go to a physical branch: Perfect for large amounts or when you need instant confirmation.
Use mobile check deposit: Snap a photo of a check for instant credit (available through most bank apps).
Reload at retail stores: Programs like Netspend or Green Dot allow cash reloads at Walmart, CVS, or Walgreens registers.

For more details on compatible deposit networks, see how to find ATMs that accept deposits near you.

ATM Deposit Safety Tips

Inspect the machine: Look for tampering or skimming devices before use.
Stick to secure locations: Prefer indoor or in-branch ATMs with cameras and lighting.
Get a receipt: Always save proof of deposit until funds appear in your account.
Double-check denominations: Make sure all bills are flat and readable to prevent rejection.

For more general ATM safety advice, read our ATM Safety Tips: Protecting Your Finances.

FAQs About Depositing at Other Bank ATMs

Can I deposit cash at a different bank’s ATM?
No, most ATMs won’t process deposits for other banks unless they’re part of a shared or partner network.

Can I deposit checks at an out-of-network ATM?
Some shared credit union networks may allow it, but national banks generally don’t. Use your bank’s own ATMs or mobile deposit.

What happens if I try anyway?
The ATM may reject the transaction, or your funds could be delayed or returned after several days.

Are deposits at another bank’s ATM safe?
They can be risky due to longer holds and unclear dispute resolution. Use your bank’s ATM or verified partner network instead.

Is there a fee for using another bank’s ATM?
Yes, expect both an operator fee and possibly a non-network charge from your own bank.

Related Guides

Updated November 2025 — A complete guide to understanding how ATM deposit networks work and what to do when your bank’s machine isn’t nearby.