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What Is a Counter Deposit on a Bank Statement?
Your statement says "counter deposit" (or "counter credit," or "branch deposit"). Here's exactly what it means, how it shows up, and how it differs from ATM, mobile, and ACH deposits.
A counter deposit is money handed to a bank teller at the branch counter — cash, a check, or a money order. The teller processes it in person and credits your account. On most US bank statements it's printed as counter credit, teller transaction credit, or branch deposit, but they all describe the same in-person teller deposit.
What does counter deposit mean?
Break the phrase apart: "counter" refers to the physical teller counter inside a bank branch, and "deposit" means money added to your account. A counter deposit is the moment you hand cash or a check across that counter and the teller credits the funds to your account.
The label that appears on your monthly statement depends on the bank. Most US banks call it counter credit; Bank of America uses teller transaction credit; some banks just say "branch deposit." The terms are interchangeable.
Counter deposit vs other deposit methods
| Method | Where | Availability | Limit |
|---|---|---|---|
| Counter deposit | Bank teller at branch | Same day (cash) / 1–2 days (check) | Usually no daily limit |
| ATM deposit | Bank-owned ATM | Same day (cash) / 1–3 days (check) | Often capped at $5,000–$10,000/day |
| Mobile deposit | Bank app on phone | 1–2 business days | $2,500–$25,000/day depending on tier |
| Direct deposit / ACH | Employer or sender | Same day (most banks) | No practical limit |
What it looks like on your statement
A typical counter deposit entry looks like this:
How to make a counter deposit
- Visit any branch of your bank during opening hours.
- Fill out a deposit slip — your account number, today's date, the deposit amount, and a breakdown if you're depositing both cash and checks.
- Hand the slip and the funds to the teller. Bring photo ID for large cash deposits or third-party checks.
- Take the stamped receipt. The funds appear the same day for cash and within 1–2 business days for checks.
If you're reconciling a bank statement, match each counter deposit entry to a stamped deposit slip from that day. Banks rarely include enough description on the statement alone — the deposit slip is the backup record.
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