Many people wonder: can you deposit money at an ATM that isn’t your bank? The answer depends on your bank, the ATM network, and the type of account you have. This guide explains when deposits are allowed, how they’re processed, and safer alternatives if you need to put money into your account quickly.
Can You Deposit at Another Bank’s ATM?
In most cases, you cannot deposit money at an ATM that belongs to a different bank unless your bank has a partnership with that network. For example, many regional credit unions share ATM networks that allow cross-bank deposits, but large national banks usually restrict deposits to their own branded machines.
ATM deposits require the machine to securely send the funds and deposit details to your financial institution. If the ATM is not connected to your bank’s systems, the transaction will usually be rejected or limited to withdrawals only.
When Deposits Might Work at Other ATMs
- Shared ATM networks: Credit unions often use shared branching or networks like CO-OP that let members deposit at multiple institutions.
- Partner agreements: Some banks partner with convenience stores or other banks to allow deposits through branded machines.
- Cash reload networks: Prepaid cards and fintech accounts sometimes allow deposits at retail partners, but these are not true “bank” ATMs.
If you need to confirm your bank’s policy, check their mobile app, online help center, or contact customer service. You can also review our guide to using another bank’s ATM for withdrawals and fees.
Limits and Processing Times
Even if a non-bank ATM accepts deposits for your account, there may be stricter limits and longer processing times:
- Deposit cut-off times: Deposits made after the network’s daily cut-off may take 1–2 business days to clear.
- Cash vs. checks: Cash deposits usually post faster, while checks may be held for verification.
- Per-day limits: Some banks restrict how much you can deposit per day or per transaction at network ATMs, similar to withdrawal limits.
Alternative Ways to Deposit Money
- Visit your own bank’s ATM: The most reliable option with instant posting for cash.
- Deposit in-branch: Handing money to a teller ensures same-day posting and eliminates risk.
- Mobile deposit: Use your bank’s mobile app to deposit checks instantly with your phone.
- Retail reload services: Services like Green Dot or MoneyPak allow cash reloads to certain accounts at stores like Walmart or CVS.
- Linked accounts: If you have multiple bank accounts, transfer electronically instead of depositing cash.
Need help finding ATMs that do accept deposits? Check out our guide on ATMs that accept deposits for step-by-step tips.
Safety Tips for ATM Deposits
- Use in-network machines: Reduces the risk of rejected deposits or delays.
- Avoid cash in off-brand ATMs: Depositing cash at third-party machines increases the chance of errors.
- Keep your receipt: Always get proof of deposit in case of disputes.
- Check your balance: Verify the funds show up within the expected time frame.
FAQs
Can I deposit money at an Allpoint or MoneyPass ATM?
Most Allpoint and MoneyPass ATMs only support withdrawals. Deposits are usually not available unless your bank specifically enables them.
What happens if I try to deposit at the wrong ATM?
The machine will either reject the transaction or accept it but not credit your account. In the latter case, the funds may be returned after several days.
Is mobile deposit safer than an out-of-network ATM?
Yes. Mobile check deposits go directly through your bank’s secure app and are traceable, while third-party ATM deposits can introduce extra risk.
Do deposits count toward my daily ATM limits?
Deposit amounts usually don’t count toward withdrawal caps, but the network may set separate limits for how much you can deposit in a day.