With the trend in mobile banking and online check deposits, one may forget its predecessor—the ATM.
It is an often-neglected fact that you can deposit cash or checks at ATMs. However, depositing your checks or cash with an ATM can mitigate pesky wait times and picture rejections.
Many institutions have ITMs (Interactive Teller Machines), meaning that you can speak to a teller in real time to help you with your deposits.
Here is a list of popular national banks, the deposit limits and any other needed information, and links to finding the nearest ATM to you.
There are often limits on amounts per transaction or day. Limits depend on the bank, account type, and what type of deposit you are making.
- Alliant Credit Union
- Bank of America
- Bank of the Ozarks
- Bank of the West
- BBVA Compass
- BMO Harris Bank
- Capital One
- Charles Schwab
- Chase Bank
- Citibank
- Citizens Bank
- City National Bank
- Connexus Credit Union
- Consumers Credit Union
- Discover Bank
- Fifth Third Bank
- First Bank & Trust
- First Citizens Bank
- First National Bank
- First Republic Bank
- Flagstar Bank
- Great Western Bank
- GTE Financial
- HSBC
- Huntington Bank
- KeyBank
- M&T Bank
- Navy Federal Credit Union
- Pinnacle Bank
- PNC Bank
- Regions Bank
- Santander Consumer Bank
- TCF Bank
- TD Bank
- TrustCo Bank
- U.S. Bank
- Union Bank and Trust
- USAA
- Wells Fargo
Don’t see your bank or credit union? You can call your bank representative or look through the deposit or account disclosure online to find the ATM limit. There is also a possibility that your institution does not allow for deposits at ATMs, so it is a good idea to call with any questions.
Institution | Deposit Limit | ATM Nearby |
Alliant Credit Union | $20,000 per day | Alliant Credit Union ATM Finder |
Bank of America | Check: 10 per transactionCash: Varies by machine; limit will be displayed on the screen | Bank of America ATM Finder |
Bank of the Ozarks | No amount limit; varies by machine | Bank of the Ozarks ATM Finder |
Bank of the West | No amount limit; ability to deposit varies by machine | Bank of the West ATM Finder |
BBVA Compass | Check: 15 per transaction (Deposit Image ATM); 25 per transaction (Non-Image ATM)Cash: 35 bills at one time; “Add More Cash” option for additional deposits in the same transaction | BBVA Compass ATM Finder |
BMO Harris Bank | 50 checks/bills per transaction* *Not all machines accept deposits; account holders can also use Allpoint machines | BMO Harris ATM Finder |
Capital One | Check: $99,999.99/dayCash: $5,000 per transaction; no daily limit | Capital One ATM Finder |
Charles Schwab | Varies by machine*; Charles Schwab debit cards do not allow cash deposits at ATMs *Limit depends on bank/ATM network used, as Charles Schwab does not operate its own machines | Charles Schwab ATM Finder |
Chase Bank | Check: 30 at one timeCash: 50 bills at one time | Chase Bank ATM Finder |
Citibank | No limit for cash or check | ATM Finder |
Citizens Bank | Check: no limitCash: $999,999.99 | Citizens Bank ATM Finder |
City National Bank | Check: 10 per envelope; 30 per transaction at machines with image depositsCash: 50 bills at one time | City National Bank ATM Finder |
Connexus Credit Union | $10,000 per day; varies by machine | Connexus Credit Union ATM Finder |
Consumers Credit Union | $10,000 per day | Consumers Credit Union ATM Finder |
Discover Bank | Check: unlimited at one timeCash: 200 bills at one time *Varies by machine; account holders can use debit card at Allpoint or MoneyPass networks | Discover Bank ATM Finder |
Fifth Third Bank | No amount limits; varies by machine* *Some machines may limit 30-50 checks/bills per transaction | Fifth Third Bank ATM Finder |
First Bank & Trust | No amount limit; varies by machine* *Account holders can also use MoneyPass machines | First Bank & Trust ATM Finder |
First Citizens Bank | Amount limitations on per card, per account, per day basis by discretion of the bank | First Citizens Bank ATM Finder |
First National Bank | $2,500 per day | First National Bank ATM Finder |
First Republic Bank | Depends on machine* *First Republic does not operate its own machines; ATM fee rebates are offered for using ATM machines | First Republic ATM Finder |
Flagstar Bank | $5,000 per day* *Newer members may have lower limits, and some members may be eligible for higher limits on bank discretion | Flagstar Bank ATM Finder |
Great Western Bank | No amount limit; can be limited by account at bank discretion *Account holders can also access MoneyPass ATMs | Great Western Bank ATM Finder |
GTE Financial | $10,000 per day | GTE Financial ATM Finder |
HSBC | Check: $99,999.99 per dayCash: $10,000 per day | HSBC ATM Finder |
Huntington Bank | $10,000 or 40 bills/checks | Huntington Bank ATM Finder |
KeyBank | Check: 30 at one timeCash: 50 bills | KeyBank ATM Finder |
M&T Bank | Check: Up to 30 at one timeCash: Up to 50 bills at one time | M&T Bank ATM Finder |
Navy Federal Credit Union | $10,000 per day per debit card | Navy Federal Credit Union ATM Finder |
Pinnacle Bank | No amount limit | Pinnacle Bank ATM Finder |
PNC Bank | Check: $999,999.99Cash: no set limit; may need to make larger deposits in batches | PNC Bank ATM Finder |
Regions Bank | Check: 20 at one timeCash: 50 bills at one time | Regions Bank ATM Finder |
Santander Consumer Bank | Check: 30 at one timeCash: 50 bills at one time | Santander Consumer Bank ATM Finder |
TCF Bank | $50,000 per day; varies by account type | TCF Bank ATM Finder |
TD Bank | Check: 30 per transactionCash: 50 bills per transaction | TD Bank ATM Finder |
TrustCo Bank | No amount limit | TrustCo Bank ATM Finder |
U.S. Bank | Check: 30 per transactionCash: 50 bills per transaction | U.S. Bank ATM Finder |
Union Bank and Trust | Amount limit imposed at bank discretion depending on account | Union Bank and Trust ATM Finder |
USAA | $999,999 in checks or cash | USAA ATM Finder |
Wells Fargo | 30 bills/checks at one time | Wells Fargo ATM Finder |
Benjamin is a certified financial advisor, with over 10 years of experience in the industry. He is knowledgeable about various business and financial topics, such as retirement planning and investment management. Ben has been recognized for his work in the financial planning industry. He has also been featured in various publications.