You cannot deposit cash through Truist's online banking or mobile app

Truist does not offer a way to deposit physical cash through its website or mobile application. Online and mobile banking can handle checks, transfers, and bill payments, but cash requires an in-person visit or a third-party service. If you need to move cash into your account, you have three practical routes: visit a Truist branch or ATM, use a cash deposit service, or transfer money from someone else's account.

The reason is straightforward: the bank has no way to verify the amount or authenticity of cash through a screen. Check deposits work because the bank can read the routing number, account number, and amount printed on the check. Cash has none of those safeguards, so Truist requires you to hand it to a person or machine that can count and authenticate it.

Key Takeaways

  • Truist's online and mobile apps do not accept cash deposits; you must visit a branch, ATM, or use an alternative service.
  • Depositing cash at a Truist branch or ATM is free and usually processes the same business day or next business day.
  • Some Truist ATMs accept cash deposits, but not all machines have this feature—check your nearest ATM before you go.
  • If you do not have access to a Truist location, you can ask someone with a Truist account to transfer money to you, or explore third-party cash deposit services in your area.

Depositing cash at a Truist branch or ATM

The fastest and most direct method is to walk into a Truist branch during business hours and hand the cash to a teller. Bring your debit card or account number so the teller can identify your account. The deposit posts immediately or by the next business day, depending on the time of day and the branch's processing schedule. There is no fee for this service.

Some Truist ATMs also accept cash deposits. Not every machine has this feature, so call your local branch or check the Truist website to confirm the ATM location accepts deposits before you travel there. If the machine does accept cash, insert your debit card, select "Deposit," choose "Cash," and follow the on-screen prompts. The ATM will count the bills and ask you to confirm the amount before it processes the transaction. Cash deposited at an ATM typically posts within one business day.

Finding a Truist location near you

Truist operates branches and ATMs across the Southeast and Mid-Atlantic, with the largest presence in North Carolina, South Carolina, Virginia, and Florida. You can locate the nearest branch or cash-deposit ATM by visiting the Truist website, using the branch locator tool, or calling Truist customer service at 1-800-872-2657.

If you are traveling or live far from a Truist location, ask the customer service representative whether any ATMs in your area accept cash deposits. Truist participates in some ATM networks, though the availability of deposit-accepting machines varies by region.

Using a third-party cash deposit service

If you cannot reach a Truist branch or ATM, some third-party services allow you to deposit cash into your bank account. MoneyLion, PayActiv, and certain check-cashing services partner with banks to accept cash deposits. These services typically charge a fee—often between $1 and $5 per deposit—and may take one to three business days to post the money to your account.

Before using a third-party service, confirm that it works with Truist and understand the fee structure. Not all services accept Truist accounts, and fees can add up if you deposit cash frequently. This option works best as a backup when branch access is genuinely unavailable.

Asking someone to transfer money on your behalf

If a friend or family member has a Truist account (or an account at another bank), they can transfer money to you online using their own banking app or website. They will need your account number and routing number, which you can find on a check or by logging into your Truist account online. The transfer is free and usually posts within one to two business days.

This method works well if you are receiving cash from someone you trust and they have online banking access. It avoids the need to physically deposit cash yourself, though it does require the other person to initiate the transfer.

What happens if you deposit cash after business hours

Cash deposited at a Truist ATM after the branch closes will be held in the machine until the next business day, when a Truist employee empties and processes it. The deposit typically posts to your account by the end of that business day or the following day. Cash deposited at a branch during business hours posts the same day or next business day, depending on the time you deposit and the branch's internal schedule.

If you need the money urgently, deposit during business hours at a branch rather than at an ATM. A teller can confirm the deposit immediately and answer questions about when the funds will be available for withdrawal.

Frequently Asked Questions

Can I deposit cash using Truist's mobile app?

No. Truist's mobile app allows you to deposit checks by taking a photo, but it does not accept cash deposits. You must visit a branch or ATM that accepts cash, or use an alternative method like a third-party service or a transfer from someone else.

Do all Truist ATMs accept cash deposits?

No. Some Truist ATMs accept cash deposits, but others do not. Call your local Truist branch or use the branch locator on the Truist website to find an ATM near you that accepts deposits before you go.

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

Truist does not publish a standard limit for cash deposits at branches or ATMs. However, deposits of $10,000 or more trigger federal reporting requirements. If you are depositing a large amount, contact your branch in advance so they can prepare and process the deposit smoothly.

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

Cash deposited at a branch during business hours usually posts the same day or by the next business day. Cash deposited at an ATM typically posts within one business day. The exact timing depends on when you deposit and the branch's processing schedule.

What if I do not have a Truist debit card or account number with me?

At a branch, bring a photo ID and tell the teller your name and phone number. They can look up your account in the system. At an ATM, you will need your debit card or account number to complete the deposit, so plan ahead if you are using an ATM.