Which ATMs Accept 100 Dollar Bills
Most major bank ATMs in the United States accept 100 dollar bills for deposits and withdrawals. Machines operated by Chase, Bank of America, Wells Fargo, and U.S. Bank typically accept 100 bills at their full-service ATMs, including drive-up and lobby units. Smaller credit union ATMs and non-bank machines at convenience stores often reject or limit 100 bill deposits due to bill validation hardware constraints. For the most reliable acceptance, use ATMs branded with a major bank network such as Allpoint, Visa Plus, or Cirrus, which are listed on the issuing bank's website. You can confirm acceptance at a specific machine by checking the ATM locator tool on the bank's official site or by calling the number on the back of your debit card.
Non-bank ATMs, including those at Walmart, 7-Eleven, and standalone machines in airports, often have lower deposit limits and may not accept 100 bills for cash-in transactions. According to the ATM Industry Association, the share of U.S. ATMs that accept 100 bill deposits has increased as banks upgrade bill validators, but acceptance still depends on the machine's cassette configuration and software version. The Federal Reserve's 2023 Cash Product Office report notes that 100 bills represent the highest denomination in circulation and are the most commonly counterfeited, which is why some ATMs restrict them. If you need to deposit a 100 bill, prioritize ATMs inside bank branches or at bank-branded locations over third-party machines.
Deposit Limits and Daily Caps for 100 Dollar Bills
Daily ATM deposit limits for 100 dollar bills vary by bank and account type. Chase Bank sets a general ATM deposit limit of 2,000 dollars per day for consumer checking accounts, while Bank of America allows up to 10,000 dollars per day for certain accounts when using a debit card at an ATM. Wells Fargo typically caps ATM deposits at 2,500 dollars per day, and U.S. Bank limits most checking accounts to 500 dollars per day at non-network ATMs and higher at own-bank machines. These limits apply to the total deposit amount, not the number of bills, so a single 100 bill deposit counts toward the daily cap. Some banks require you to envelope your 100 bills, while others accept loose bills in the deposit slot if the ATM has a bill acceptor module.
For large cash deposits, many banks require you to use a teller or a dedicated night deposit box instead of an ATM. The FDIC does not set a universal ATM deposit limit, but individual banks implement limits based on risk, fraud prevention, and cash handling capacity. According to a 2024 consumer banking survey by Forbes Advisor, the most common reason customers avoid depositing 100 bills at ATMs is hitting the daily limit before completing the deposit. To avoid delays, check your bank's current ATM deposit limit online or in the mobile app before visiting the machine. If you need to deposit more than the ATM limit, split the deposit across multiple days or visit a branch.
How to Find an ATM That Takes 100 Dollar Bills
Use your bank's mobile app or website ATM locator to find machines that accept 100 dollar bills. Enter your zip code and filter by "deposit" or "full-service" ATMs to see which nearby machines support cash-in transactions. The Visa ATM locator at www.visa.com/atm and the Mastercard ATM locator at www.mastercard.us/en-us/personal/get-support/find-atm