How to Deposit Cash to Your Bank When Out of Town

Although many of us are finding ourselves spending less time at the bank, it’s still important to know how to deposit cash, especially while traveling.

And, even though there was a decline in cash usage during 2020 — speculated to have been caused by the coronavirus pandemic — there’s still quite a lot of currency in circulation.

In fact, research shows there is just over $2 trillion in currency circulating throughout the United States of America.

So, if you happen to find yourself out of town and with money to deposit into your bank account, do you know what your options are?

Here are the ones we provide and recommend:

Shared Branch & CO-OP Network

Members of credit unions can experience a variety of benefits, like being part of the shared branch and Co-Op network.

For HRCCU members, this can make a world of difference while traveling.

As a participant, HRCCU members have access to nearly 6,000 credit union branch locations and 30,000 ATM locations throughout the United States and 10 countries.

This allows our members to deposit money while visiting other credit unions that participate within the network.

Belonging to this network means that the banking opportunities of your local credit union could be available to you while out of the immediate area.

To ensure money is being deposited into the correct account, a deposit slip or providing the membership information is necessary.

Before traveling, take a moment to find a shared branch or ATM in the area you are visiting.

Money Order

Turn cash into an easy-to-deposit check by purchasing a money order that is payable to yourself.

Money orders can be purchased at a variety of establishments, including Western Union and the U.S. Post Office.

If your bank’s mobile app has a scanning feature, like the one found in the HRCCU mobile banking app, you can snap a picture of the money order and then upload it to your bank account.

If your bank doesn’t have this feature, reach out to the home office to see if they will accept a money order for deposit that has been mailed to the office.

There could be a small fee associated with purchasing a money order, typically around $2, depending on the amount of cash.

But this fee is more than worth it to protect your money, rather than carrying a large sum of cash.

Even though you cannot stop payment on a money order, you can have a lost or stolen money order replaced, which is much safer than carrying money.


If you’re traveling with friends, family, or coworkers, instead of splitting costs with money (and then worrying about how to deposit the money), simply use Zelle.

Zelle is a simple way to send a receive money. If you are an HRCCU member, you can access Zelle either online or through the mobile banking app.

After completing the transfer, the money is typically available within minutes. This can make it much easier than searching for a bank that will allow you to deposit cash while out of town.

Never Mail Cash

It might feel convenient to do so, but it is never advised to mail a cash deposit to your bank or credit union.

Although unlikely, the envelope could become lost, damaged, or stolen. If the envelope doesn’t find its way to your bank, those funds cannot be replaced.

Insurance can be purchased, but it can become quite costly. Proof of value must also be shown prior to mailing the package.

Ultimately though, purchasing a money order is the better option compared to sending currency through the mail.

For more information about Zelle, the shared branch and Co-Op ATM network, and how to protect your money while traveling, contact our financial experts today.