You cannot deposit cash online — you need an ATM, teller, or mobile check deposit
Truist does not offer a way to deposit physical cash through its website or mobile app. Cash deposits require you to either visit a Truist ATM, go to a branch and hand cash to a teller, or use a mobile check deposit feature (which only works for checks, not cash). If you need to deposit cash remotely, a Truist ATM is your fastest option — the money typically appears in your account within minutes.
The confusion often comes from the fact that Truist's mobile app does handle deposits — but only for checks, using your phone's camera. Cash is different because the bank needs to physically receive and count it, which requires an ATM machine or a person at a branch.
Key Takeaways
- Truist ATMs accept cash deposits 24/7, and the funds post to your account within minutes or by the next business day depending on the time of deposit.
- You can deposit cash at any Truist branch during business hours by handing it to a teller, who will count it and give you a receipt.
- The Truist mobile app's deposit feature works only for checks using your phone camera, not for cash.
- If you do not have a Truist ATM or branch nearby, you may need to use a different bank's ATM or visit a check-cashing service, though fees may explore.
Depositing cash at a Truist ATM
Truist ATMs that accept cash deposits are available at most Truist branches and many other locations. To use one, insert your debit card, enter your PIN, and select the deposit option from the menu. The ATM will guide you through the steps: it will ask how much cash you want to deposit, you will insert the bills into the slot, and the machine will count them and confirm the amount on the screen.
Once the ATM accepts your deposit, the money is recorded in your account right away. However, the funds may not be available to withdraw or spend until the next business day, depending on what time you made the deposit and your account type. If you deposit cash after business hours or on a weekend, the posting may be delayed until the next business day. Always take the receipt the ATM prints — it is your proof of deposit if there is ever a discrepancy.
Depositing cash at a Truist branch
You can walk into any Truist branch during business hours and hand cash directly to a teller. Bring your debit card or account number so the teller knows which account to credit. The teller will count the cash in front of you, enter it into the system, and give you a receipt showing the amount and the date.
This method is useful if you have a large amount of cash, because a teller can handle deposits of any size and answer questions on the spot. The money typically posts to your account the same day if you deposit before the branch's cutoff time (usually 2 or 3 p.m.), or the next business day if you deposit later.
Why the mobile app cannot deposit cash
The Truist mobile app includes a mobile check deposit feature that lets you photograph the front and back of a check and submit it for deposit. This works because the bank can read the check's routing and account numbers electronically. Cash has no such information — it is just currency — so there is no way for a camera or scanner to identify which account it belongs to or verify its amount without a person or machine physically handling it.
For this reason, every bank requires cash deposits to happen in person at an ATM or teller window. No bank offers remote cash deposit through an app or website.
What to do if there is no Truist ATM nearby
If you do not have access to a Truist ATM or branch, you have a few options. Some Truist accounts come with access to a larger ATM network — check your account documents or call Truist to see if your account qualifies. You can also use a non-Truist ATM that accepts deposits, though you may be charged a fee by that ATM's owner, and the deposit may take longer to post.
Another option is to ask a friend or family member to deposit the cash into your account at a Truist ATM or branch on your behalf. They will need your account number and can deposit cash without a card, though some ATMs require a card. A third option is to visit a check-cashing service or retail location like Walmart or CVS that offers cash deposit services, though these typically charge a fee and may have limits on how much you can deposit.
Common mistakes when depositing cash
The most common mistake is trying to deposit cash through the mobile app or website and then becoming frustrated when the option does not appear. Remember: the app only handles checks. Another mistake is depositing cash late in the day and expecting it to be available when ready — funds from after-hours ATM deposits often do not post until the next business day.
A third mistake is not taking a receipt. If the ATM malfunctions or the deposit does not appear in your account within one business day, you will need that receipt to prove you made the deposit and to file a claim with Truist. Always keep receipts until you have confirmed the deposit in your account online or through the app.
Frequently Asked Questions
How long does it take for cash deposited at an ATM to show up in my account?
Cash deposited at a Truist ATM usually appears in your account within minutes during business hours. If you deposit after hours or on a weekend, the funds may not post until the next business day. Check your account online or in the app to confirm the deposit has posted before you spend the money.
Can I deposit cash at a Truist ATM without my debit card?
Most Truist ATMs require your debit card and PIN to process a deposit. Some ATMs may offer a cardless deposit option if you are enrolled in Truist's digital banking, but this varies by machine. If you do not have your card, visit a branch and deposit with a teller instead.
What is the maximum amount of cash I can deposit at a Truist ATM?
Truist ATMs typically accept deposits up to a certain amount per transaction, though the exact limit varies by machine and account type. If you need to deposit a very large amount of cash, visit a branch and speak with a teller, who can process larger deposits and may ask you to fill out additional paperwork for amounts over $10,000.
Is there a fee for depositing cash at a Truist ATM?
No — depositing cash at a Truist ATM is free if it is a Truist-owned machine. If you use a non-Truist ATM to deposit cash, the ATM owner may charge you a fee. Check the ATM screen before you start the transaction to see if a fee will be charged.
What should I do if the ATM does not return my cash or the deposit does not show up?
If an ATM keeps your cash or the deposit does not appear in your account within one business day, contact Truist right away with your receipt. Truist can investigate the transaction and may be able to recover the funds. Keep your receipt until the issue is resolved.