Add your cash‡ to your Account at 90,000 participating retailers8 and withdraw your cash at 40,000 MoneyPass ATMs1.
The short answer: Yes, you can manage your cash in multiple ways. With your CARD.com Premium Bank Account by Pathward®, no credit check is required. You can add funds to your checking account using the Add Cash function and withdraw cash at a MoneyPass ATM, making it a convenient way to manage your finances!
What is Add Cash?
Can You Deposit Cash at an ATM with CARD.com?
While you can’t deposit cash directly into your CARD.com Premium Bank Account at a MoneyPass ATM1, there’s still a reliable way to add funds. You can visit one of 90,000 participating retail locations nationwide where the Add Cash8 feature is available. This option allows you to load money into your account at a time that works for you! No bank visit or credit checks required.
Before adding money to your account, it’s a good idea to prepare your cash by counting and organizing your bills in a secure location. Once ready, you can bring it to a participating retailer, hand your cash to the cashier, and use your card, or a generated barcode if you’re using the CARD Premium Banking App6, to load your funds into your checking account.
How Add Cash Deposits Work?
- Count and organize your cash in a secure place before you leave, and keep bills flat and facing the same direction
- Open the CARD Premium Banking App6 (or visit the CARD.com locator online) and use the Add Cash locator to find a participating retail location near you
- If you are using the mobile app, you can generate a bar code for the Add Cash function so you can present it at checkout, otherwise have your CARD.com debit card ready
- At the checkout counter, tell the cashier you want to use Add Cash to load money into your account. Hand the cashier the cash, your debit card, or the generated barcode from the app
- The cashier will process the Add Cash transaction and give you a receipt. Keep that receipt until you confirm the funds is in your account
- Confirm the deposit by checking your account balance in the mobile app. If the funds do not appear according to the retailer’s processing guidance, contact our CARD.com customer support and provide your receipt
- Be aware that there is a retail service fee up to $4.95‡ and limits may apply. Keep the receipt as proof of your transaction
More than 90,000 participating grocery stores, convenience stores and gas stations allow you to use the Add Cash feature. Just bring your debit card, your cash, or a generated bar code from the app to load funds into your account while you’re on the go.
Adding Cash To Your Account
Search
Find Locations to Add Cash8 or Withdraw Your Funds
Use our locator to find the closest participating retail location where you can add cash to your account, or a MoneyPass ATM1 where you can withdraw your funds. Bring your cash and your card or a generated barcode from the app to complete your transaction.
Add Cash
Deposit Money at Retail Locations
Hand the cashier your cash and use your Card or barcode that will automatically add your money8. A retail service fee up to $4.95‡ and limits may apply. Keep the receipt as proof of your transaction.
Save
Seamless Access to Your Deposited Funds
Keep your receipt as proof of your cash deposit. Your money is typically available within 10 minutes for most retailers. But it may take up to one hour. Check your account balance to verify successful deposits.
Common ATM Withdrawal and Add Cash Deposit Questions
Can I add cash8 at the register?
Yes, you can add cash‡ at over 90,000 participating retail locations including grocery stores, convenience stores, and gas stations. Simply hand the cashier your cash and use your Card or barcode to reload your account.
How do I add cash8 at the register?
Present your CARD.com debit card or mobile app6 barcode to the cashier along with your cash. The cashier will process the transaction and add funds directly to your account. Keep your receipt for your records.
Once I add cash with Green Dot‡, is the money available right away?
Your deposited funds are typically available within 10 minutes, but may take up to one hour.
Can you deposit cash at an ATM without a debit card?
While most ATMs require a debit card for cash deposits, CARD.com offers a different and flexible way to add money8 to your account. Instead of depositing at an ATM, you can visit one of 90,000 participating retail locations and load funds‡ using either your debit card or a secure barcode from the CARD Premium Banking App with no ATM needed.
Do all ATMs accept cash deposits?
No, not all ATMs accept cash deposits. Many bank ATMs from major financial institutions like Wells Fargo, Chase, and Bank of America offer cash deposit functionality, but you’ll need to find ATMs that specifically support this feature.
Are there fees for the Add Cash8 feature?
There’s no fee from CARD.com for using the Add Cash feature to load money into your account. However, participating retailers that process cash reloads through our partnership with Green Dot‡ typically charge a service fee of up to $4.95 and limits may apply. This fee is set by the retailer and cannot be waived.
Can I withdraw cash at any bank’s ATM?
Since your CARD.com debit card is part of the Visa® network, you can withdraw cash at most ATMs nationwide. To avoid fees, it’s best to use an in-network MoneyPass ATM1, where cash withdrawals are fee-free. If you choose to use an out-of-network ATM, the operator may charge a fee for the transaction. Many major banks’ ATMs accept deposits from other bank customers, though fees may apply.
What’s the difference between in-network and out-of-network ATMs?
In-network ATMs typically don’t charge additional fees for deposits, while out-of-network machines may charge their own fee. Check your account terms for specific ATM network partnerships1.
Do online banks accept cash deposits?
Many online banks, including CARD.com, partner with retail networks to accept cash deposits. This gives online bank account holders access to cash deposit services without physical branch locations.
Can I make multiple cash deposits in one day?
Yes, you can make multiple cash deposits, subject to daily deposit limits and transaction limits. Each transaction may be subject to reload fees‡, keep your receipt as proof of the transaction.
What should I do if my cash deposit doesn’t show up?
Keep your printed receipt as proof of deposit. If funds don’t appear within the expected timeframe, contact CARD.com customer service with your receipt information to trace the transaction.
Are cash deposits available 24/7?
Cash deposit availability depends on the retail location as they have business hours. Funds from deposits made during business hours are typically processed more efficiently.
Can I deposit cash using mobile check capture9?
Mobile Check Capture lets you upload your checks using your phone’s camera, so your funds can go directly to your account. While this feature doesn’t accept physical cash, it’s another convenient way to add money without visiting a store or bank branch.
How do ATM deposits work at different financial institutions?
Most bank ATMs at major financial institutions accept cash deposits from customers of other banks, though out-of-network fees may apply. The automated teller machine scans your bills, counts your cash, and totals them on screen before completing the transaction.
Are there processing times for ATM cash deposits?
Processing times vary by bank and ATM network. Most deposits are credited once processed, but some may take until the next business day. Modern ATMs provide automated verification of deposit amounts and issue printed receipts for your records.
Do I need to use my own bank’s ATM for deposits?
While using your bank’s ATM network may reduce fees, many ATMs accept deposits from customers of other financial institutions. However, you should verify that the ATM accepts deposits and be aware of any additional charges.
Can I deposit cash at ATMs that don’t accept my card?
ATMs require your debit card for cash deposits. If an ATM doesn’t accept your card, you cannot use it for deposits. Instead, visit participating retail locations where you can use cash loading8 services with your CARD.com Premium Bank Account.
What’s the total deposit limit for my account?
Total deposit limits depend on your account terms and may include both daily and monthly maximums. Check your CARD.com Demand Deposit Account Agreement for details on specific limits on cash deposits, money orders, and other funding methods.
Do ATMs require bills to be in perfect condition?
Most ATMs require bills that are not torn, wrinkled, or damaged. Stack bills neatly and ensure they’re in good condition before attempting deposits. The machine may reject damaged bills, requiring you to exchange them first.
Can I get help if an ATM doesn’t dispense my cash or keeps my card?
If a MoneyPass ATM malfunctions during a cash withdrawal, for example, if it doesn’t dispense your cash or retains your card, immediately contact the ATM operator and CARD.com customer support at (844) 227-3602 and use our automated support services. You can also call us to speak with a live agent that is available from 7:00 am to 7:00 pm Central Time from Monday through Friday.
Are there alternatives to do cash deposits?
Yes, CARD.com offers multiple ways to add funds including retail cash loading8, direct deposit, mobile check capture9, and external bank transfers8. Each method has different processing times and fee structures.
How much cash can I deposit in my account?
There are no minimum or maximum limits for adding funds to your CARD.com Premium Bank Account. Certain types of deposits may have restrictions, so review your Demand Deposit Account Agreement. Funds are FDIC insured up to $250,0007 through Pathward®, N.A., Member FDIC.
Funds are FDIC insured, subject to applicable limitations and restrictions, when we receive the funds deposited to your Account. CARD is not itself a bank or a FDIC-insured institution and the FDIC’s deposit insurance coverage only protects against the failure of a FDIC-insured institution. Pathward, National Association is a FDIC-insured depository institution.
Ready to add cash to your CARD.com Premium Bank Account? Find a location near you and start depositing cash today. No credit checks required and zero dollar monthly fee with qualifying deposits1.
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DDA Issuer Statement:
The Card Premium Bank Account is a checking account established by, and the Premium Visa® Debit card is issued by Pathward®, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc, and can be used everywhere Visa debit cards are accepted.
Fee-free In-Network ATMs and Get a $0 Monthly Maintenance Fee with Qualifying Deposit:
1. While In-Network ATMs are available for free, certain other transaction fees and costs, terms, and conditions are associated with the use of this Account. The standard Monthly Maintenance Fee is $9.95 and can be waived with a qualifying Deposit. See the Demand Deposit Account Agreement for more details.
RapidAlerts/Download CARD app:
6. Standard data rates, fees, and charges may apply.
FDIC:
7. Funds are FDIC insured, subject to applicable limitations and restrictions, when we receive the funds deposited to your Account. CARD is not itself a bank or a FDIC-insured institution and the FDIC’s deposit insurance coverage only protects against the failure of a FDIC-insured institution. Pathward, National Association., is a FDIC-insured depository institution.
Add Cash/Bank Transfers:
8. Third party bank fees may apply.
Mobile Check Funds/Deposit Check Funds:
9. Mobile Check Capture is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions, and Privacy Policy. Approval review usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding at Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your Account. Unapproved checks will not be funded to your Account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for message and data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your Account. See your Demand Deposit Account Agreement for details.
Green Dot fees:
‡ Retail service fee up to $4.95 and limits may apply. Keep the receipt as proof of your transaction.
Service provided by Green Dot® ©2025 Green Dot Corporation. All rights reserved. Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739. This is an optional service and is not a Pathward or Visa product or service nor does Pathward or Visa endorse this offer. Third-party fees may apply.
