How to Deposit Cash with Capital One

We may earn a commission for purchases through links on our site at no cost to you, Learn more.

Depositing cash into your Capital One account has become easier than ever with various methods available. Whether you prefer to use your phone, visit an ATM, or go to a local branch, Capital One provides multiple options for adding cash to your account.

In this post, we will walk you through how to deposit cash with Capital One, covering everything from using the mobile app to visiting an ATM or Capital One branch. Let’s explore these methods and get you started with depositing cash into your Capital One account.

How to Deposit Cash with Capital One

Capital One offers several ways to deposit cash into your account, so you can choose the method that works best for you. Whether you’re in a hurry or just prefer the convenience of technology, Capital One’s options provide flexibility.

There are three main ways to deposit cash into your Capital One account:

1. Add Cash in Store (CVS, Walgreens, Duane Reade)
2. Use a Capital One ATM
3. Deposit Cash at an Allpoint ATM
4. Visit a Capital One Branch or Café

Each method has its own benefits and steps, but all are easy to follow and designed to meet different needs. Let’s dive into the details of each method.

Add Cash in Store (CVS, Walgreens, Duane Reade)

One of the most convenient options for depositing cash is to use the Capital One Mobile app to generate a barcode that you can scan at participating stores like CVS, Walgreens, or Duane Reade by Walgreens. This method allows you to add cash without needing to go to an ATM or bank branch. Here’s how you can do it:

Steps for Adding Cash in Store:

1. Sign in to the Capital One Mobile App: First, open the Capital One app on your mobile device and sign in using your username and password.
2. Select “Add Cash in Store”: Once logged in, navigate to the “Add Cash in Store” option. This option is available for both checking and savings accounts.
3. Enter the Amount You Want to Deposit: You will be prompted to enter the amount of cash you want to add. You can deposit up to $999 per transaction, and $1,500 per day, with a maximum of $5,000 per month.
4. Generate a Barcode: After entering your deposit amount, the app will generate a unique barcode. This barcode is necessary for completing the transaction in-store.
5. Go to a Participating Store: The next step is to visit a participating location such as CVS, Walgreens, or Duane Reade. Make sure to bring the barcode generated in the app.
6. Show the Barcode to the Cashier: At the store, show the barcode to the cashier. Hand over the cash you wish to deposit.
7. Get Your Receipt and Confirmation: Once the cashier processes the transaction, you will receive a printed receipt. You’ll also get a confirmation within the app, so you’ll know the deposit was successful.

This method allows you to add cash without the need for a traditional ATM or bank visit. It’s a simple and efficient way to manage cash deposits.

Use a Capital One ATM

Capital One ATMs are another great option for depositing cash. If you’re near a Capital One branch or ATM, you can directly deposit cash using the machine.

Steps for Using a Capital One ATM:

1. Find a Capital One ATM: You can use Capital One’s website or the mobile app to locate a Capital One ATM near you.
2. Visit the ATM: Go to the ATM and insert your Capital One debit card into the machine.
3. Follow the On-Screen Instructions: The ATM will guide you through the process. Simply select the option to deposit cash.
4. Insert Your Cash: The ATM will prompt you to insert the bills. Capital One ATMs accept cash deposits without the need for envelopes, making the process faster and more convenient.
5. Confirm the Deposit: After inserting the bills, the ATM will show you the amount you’ve deposited. Confirm that everything is correct, and then proceed with the transaction.
6. Receipt and Confirmation: You will receive a receipt showing the amount deposited, and the deposit will appear in your account shortly after.

This method is ideal if you prefer a direct deposit at an ATM without needing to rely on third-party services like stores.

Deposit Cash at an Allpoint ATM

In addition to Capital One ATMs, you can also use select Allpoint ATMs to deposit cash into your Capital One account. Allpoint is a network of ATMs that Capital One partners with, offering more locations for you to deposit cash.

Steps for Using an Allpoint ATM:

1. Find an Allpoint ATM: Allpoint ATMs are located in various locations such as convenience stores, grocery stores, and other public areas. You can find one near you using the Capital One website or mobile app.
2. Visit the ATM: Head to the Allpoint ATM with your Capital One debit card in hand.
3. Follow the On-Screen Instructions: Like Capital One ATMs, the Allpoint ATM will provide step-by-step instructions for depositing cash.
4. Insert Your Cash: Allpoint ATMs accept cash deposits, similar to Capital One ATMs. Simply insert your bills when prompted.
5. Confirm the Deposit: Double-check that the amount is correct on the screen before confirming the deposit.
6. Receipt and Confirmation: Once you complete the transaction, you’ll get a receipt and the deposit will show in your account shortly after.

Using Allpoint ATMs expands your access to cash deposit options beyond Capital One’s own machines.

Capital One Branches or Cafés

If you prefer the traditional method of depositing cash, you can visit a Capital One branch or Café. These locations offer full banking services, including cash deposits. You can either deposit your cash directly into your account or speak with a representative if you have questions or need assistance.

Steps for Depositing Cash at a Capital One Branch:

1. Locate a Capital One Branch or Café: Use the Capital One website or mobile app to find a branch or Café near you.
2. Visit the Branch or Café: Go to the branch or Café during business hours and approach the teller.
3. Deposit Your Cash: Hand over the cash you want to deposit to the teller, who will process the deposit for you.
4. Get Your Receipt and Confirmation: You will receive a printed receipt confirming the transaction, and the deposit will be credited to your account.

This method is particularly helpful if you need personal assistance or want to speak with a representative about your account.

Important Notes to Keep in Mind

When using any of the methods above, there are a few key things to remember:

• Availability: The “Add Cash in Store” option is available for eligible checking and savings accounts.
• Limits on Cash Deposits: You can deposit up to $999 per transaction, $1,500 per day, and $5,000 per month. Additionally, you can add cash up to 10 times per month.
• Service Fees: While many of these methods are free, service fees may apply in some cases. Always check the terms and conditions in the app or on the Capital One website for the most up-to-date fee information.
• Find Locations: Use the Capital One website or mobile app to find an ATM, branch, or participating store near you.

Frequently Asked Questions

Here are some of the related questions people also ask:

How do I deposit cash into my Capital One account using the mobile app?

To deposit cash into your Capital One account using the mobile app, sign in to the Capital One Mobile app, select “Add Cash in Store,” enter the amount you want to deposit, and generate a unique barcode. Take the barcode to a participating store like CVS, Walgreens, or Duane Reade, and hand the cashier your cash. You’ll receive a printed receipt and confirmation in the app once the deposit is complete.

Can I deposit cash at any Capital One ATM?

You can deposit cash at Capital One ATMs, but not all ATMs accept cash. To deposit cash, visit a Capital One ATM, insert your debit card, follow the on-screen instructions, and insert your cash. Capital One ATMs do not require envelopes for deposits, making the process quick and simple.

What stores can I use to deposit cash with Capital One?

You can deposit cash using the Capital One Mobile app at participating stores like CVS, Walgreens, and Duane Reade by Walgreens. Simply generate a barcode in the app, take it to a participating store, and hand the cashier your cash for deposit.

How much cash can I deposit at once using the Capital One app?

You can deposit up to $999 per transaction using the Capital One Mobile app. The daily limit is $1,500, and you can deposit a total of up to $5,000 per month. You can also make up to 10 cash deposits per month.

Are there any fees for depositing cash with Capital One?

While most cash deposit methods are free, service fees may apply in certain cases. It’s important to check the Capital One website or app for the most current details on any applicable fees, especially when using third-party services like CVS or Walgreens.

Can I deposit cash at an Allpoint ATM with Capital One?

Yes, you can deposit cash at select Allpoint ATMs. These ATMs are part of a network that Capital One partners with, providing more convenient locations for depositing cash. Just follow the on-screen instructions once you’ve located an Allpoint ATM.

What is the limit for cash deposits at Allpoint ATMs?

The cash deposit limits at Allpoint ATMs are the same as those at Capital One ATMs. You can deposit up to $999 per transaction, $1,500 per day, and $5,000 per month, with a limit of 10 deposits per month.

Can I deposit cash at a Capital One branch?

Yes, you can deposit cash at any Capital One branch or Café. Visit the branch during business hours, and a teller will assist you with your deposit. You’ll receive a receipt for the transaction, and the deposit will be processed into your account.

How do I find a Capital One ATM or branch near me?

You can find the nearest Capital One ATM or branch by using the Capital One website or the mobile app. Simply enter your location, and the website or app will provide a list of nearby locations where you can deposit cash.

The Bottom Line

Now that you know how to deposit cash with Capital One, you can choose the option that works best for you. Whether you prefer to use the mobile app to add cash at participating stores, deposit directly at an ATM, or visit a Capital One branch, you have multiple convenient options.

Capital One has made cash deposits simple and accessible, so you can keep your account funded without the hassle of traditional banking methods. Be sure to check the limits and fees for each method, and you’ll be able to deposit cash easily and efficiently.

By understanding these methods, you can confidently deposit cash with Capital One whenever the need arises.