How to Deposit Cash Into Your Truist Account

The ways to deposit cash at Truist

You can deposit cash into your Truist account at any Truist ATM, at a Truist branch during business hours, or through a mobile deposit if you have a check (though mobile deposit works for checks, not cash). The fastest route is usually an ATM or branch visit, since both process cash when ready. ATMs are available 24/7, while branches keep standard banking hours — typically 9 a.m. to 5 p.m. on weekdays and shorter hours on Saturday.

Truist has thousands of ATMs across the Southeast and Mid-Atlantic, plus some in other regions depending on your location. If you do not have a Truist ATM nearby, you can visit any Truist branch. The bank also participates in some shared ATM networks, though those may charge a fee if you use an out-of-network machine.

Key Takeaways

Truist ATMs accept cash deposits 24/7 and post the money to your account when ready or within one business day.
You can also deposit cash at any Truist branch during business hours, and the teller will process it on the spot.
Mobile deposit does not work for cash — only for checks — so you must use an ATM or branch for physical currency.
If you deposit cash at an ATM after the bank's processing cutoff time, it may not show in your account until the next business day.

Depositing cash at a Truist ATM

Insert your debit card into the ATM and enter your PIN. Select "Deposit" from the menu, then choose "Cash Deposit." The machine will prompt you to insert your bills one at a time or in a stack, depending on the ATM model. Count your cash before you start so you know the total amount. The ATM will display the amount it has read — verify this matches what you inserted.

Once you confirm the amount, the ATM will ask which account you want to deposit into if you have multiple accounts. Select the correct account, then confirm the transaction. The ATM will print a receipt showing the deposit amount and the time. Your cash is now in the machine, and Truist will credit your account when ready or within one business day, depending on when you made the deposit and the bank's processing schedule.

Keep your receipt until the money appears in your account. If the ATM malfunctions or does not credit your deposit within one business day, contact Truist customer service with the receipt and the ATM location — they can investigate and resolve the issue.

Depositing cash at a Truist branch

Walk into any Truist branch during business hours and tell the teller you want to deposit cash. Bring your debit card or account number so the teller knows which account to credit. Hand over your cash, and the teller will count it in front of you, enter the amount into the system, and give you a receipt. The deposit posts to your account when ready.

This method is useful if you have a large amount of cash, because the teller can count it carefully and answer questions on the spot. It also eliminates the risk of an ATM malfunction. If you are not sure of your account number, bring your debit card — the teller can look it up.

Timing and when deposits post

Cash deposits made at a Truist ATM during business hours typically post the same day. If you deposit after the bank's cutoff time — usually around 5 p.m. or later, depending on your location — the deposit may not appear until the next business day. Weekend and holiday deposits usually post on the next business day the bank is open.

Deposits made at a branch during business hours post when ready. The teller processes the transaction in real time, so you will see the money in your account right away.

Check your account online or through the Truist mobile app to confirm the deposit has posted. If more than one business day has passed and the deposit does not show, contact Truist customer service.

What to do if the ATM rejects your cash

Truist ATMs sometimes reject bills that are torn, heavily marked, or too worn to read. If this happens, the ATM will return the bill and display an error message. Try inserting the bill again, or use a different bill. If the ATM continues to reject your cash, visit a branch instead — a teller can accept worn or damaged bills that an ATM cannot read.

If the ATM accepts your cash but then malfunctions before completing the transaction, the machine will return your money. If it does not, contact Truist when ready with the ATM location and the time of the deposit. Truist can check the machine's records and return your cash or credit your account.

Depositing large amounts of cash

There is no daily limit on how much cash you can deposit into your own account at Truist. However, deposits of $10,000 or more trigger a federal reporting requirement called a Currency Transaction Report, or CTR. This is a standard banking procedure and does not mean anything is wrong — the bank straightforward reports large deposits to the federal government as required by law.

If you are depositing a large amount, a branch visit is often easier than an ATM, because the teller can process the full amount and provide documentation. Bring your ID and be prepared to answer basic questions about the source of the cash — this is routine for deposits over $10,000.

Using mobile deposit for checks instead of cash

If you have a check instead of cash, you can use Truist's mobile deposit feature through the Truist mobile app. Open the app, select "Mobile Deposit," take a photo of the front and back of the check, and submit it. The check will post to your account within one to two business days. Mobile deposit is convenient because you do not have to visit an ATM or branch.

Mobile deposit does not work for cash — only for checks. For cash, you must use an ATM or branch deposit.

Frequently Asked Questions

Can I deposit cash at any ATM, or only Truist ATMs?

You can only deposit cash at Truist ATMs. Other banks' ATMs will not accept Truist deposits. If you do not have a Truist ATM nearby, visit a Truist branch or find the nearest Truist ATM using the branch locator on Truist's website.

How long does it take for a cash deposit to show up in my account?

Cash deposited at a Truist ATM during business hours usually posts the same day. Deposits made after the bank's cutoff time or on weekends post the next business day. Deposits at a branch post when ready.

What if I deposit cash and it does not show up the next day?

Check your account online or in the app to confirm the deposit was processed. If it does not appear within one business day, contact Truist customer service with your receipt and the ATM location or branch name. Truist can investigate and resolve the issue.

Do I need my debit card to deposit cash at an ATM?

Yes, you need your Truist debit card and PIN to use a Truist ATM for deposits. At a branch, you can bring your debit card or just tell the teller your account number.

Is there a limit to how much cash I can deposit?

There is no daily limit on cash deposits to your own account. Deposits of $10,000 or more are reported to the federal government as a standard banking procedure, but this does not prevent you from making the deposit.

This guide is for general information only and is not medical, financial, legal, or other professional advice. For decisions specific to your situation, consult a qualified professional. See our Editorial Policy.