ATM & ATM Fees FAQs

Cash deposits made on a business day by 8 p.m. will be available immediately except as noted on the face of the ATM. Exceptions may apply. See your Deposit Agreement and Disclosures brochure.

Check deposits made on a business day by 8 p.m. will post on the same day except as noted on the face of the ATM. Exceptions may apply. See your Deposit Agreement and Disclosures brochure.

We do not accept foreign checks or foreign currency at the ATMs at this time. You may visit a financial center to exchange the foreign currency for U.S. Dollars, then make your deposit. For more information about depositing foreign checks, visit your local financial center.

You will need to deposit all of your funds into one of your accounts and then transfer the amounts to the other accounts. Making a transfer in Online Banking is simple and fast.

Please report any discrepancies in your account by contacting customer service.

ATM receipts cannot be reprinted. Please sign in to Online Banking or contact us to review your account activity.

• The ATM saves you time by avoiding long teller lines
• The ATM is available for customer transactions 24 hours a day, 7 days a week, 365 days a year.
• No envelopes or deposit slips are needed
• Cash deposits made by 8PM receive immediate credit
• Check deposits made by 8PM on a business day post the same day. (Exceptions apply. See your Account Agreement)

You may not deposit coins at the ATM. Please take coin deposits into a local financial center.

Yes, you can select the option to receive a summary receipt with no image at Deposit Image ATMs.

The ATM reads the images of the bills and compares them to images provided by the U.S. Treasury Department. If a bill is worn, folded or has extraneous marks on it, its image will not match the images provided by the U.S. Treasury Department and it will be rejected.

The most common reason is that the account and routing number has not been encoded with magnetic ink. The ATM is not able to read checks printed on machines that do not use magnetic ink, such as home printers.

At our Deposit Image ATMs you can deposit up to 10 checks at a time. Directions on the ATM screen during your deposit transaction will indicate the number of checks that can be deposited at a time.

At our Deposit Image ATMs the number of bills you can insert can vary by machine. Directions on the ATM screen during your deposit transaction will indicate the number of bills that can be inserted at a time.

The maximum ATM cash withdrawal amount is $1,000 or a maximum of 60 bills that can only be dispensed at one time. There may also be different limits based on account type and availability of funds. The maximum ATM cash limit when setting up a withdrawal in advance in the Mobile Banking app is $800.

You may increase or decrease the limit you can withdraw at an ATM in the following ways:

• Sign in to Online Banking, go to the Information & Services tab for your account and select Activate your card & set spending limits.
• Within our Mobile Banking app, select Menu>Manage Debit/Credit Card>Set Limits. Save time at the ATM by starting your withdrawal right in the app.
• Contact Customer Service
• Visit a financial center

Fast Cash enables you to designate an amount that you consistently withdraw from your primary checking account. Once you enter your PIN and select Fast Cash you will receive the amount previously designated. This saves you time if you frequently withdraw the same amount.

Withdrawal allows you to enter the specific amount of funds you choose to remove from your account.

You may set or change your Fast Cash amount preference at the ATM after entering your PIN. From the Available Transactions screen, select Set Preferences, then Fast Cash Preference and designate the amount you want to assign to Fast Cash.

Accounts must be linked to your debit card or ATM card in order to make transfers between accounts at the ATM. Select Transfers & Payments from the Available Transactions screen and follow the screen prompts.

Sign in to the Bank of America Mobile Banking app, then do one of the following:

• Select the checking or savings account from which you want to get cash and scroll to Start ATM Withdrawal
• Select Menu then scroll to Start ATM Withdrawal in the More Features section

You can pick up your cash at any Bank of America ATM by simply inserting your ATM/debit card at the ATM as you normally do, then answering the on-screen questions and entering your ATM/debit card PIN to complete your withdrawal.

At Bank of America cardless ATMs, select your Bank of America debit card in Apple Pay, Samsung Pay, or Google Pay™. Hold your mobile device over the contactless symbol on the ATM; answer the on-screen questions and enter your ATM/debit card PIN to complete your withdrawal. Digital wallet service is available at select Bank of America ATM locations nationwide. Find a cardless ATM

When picking up your cash at the ATM, make sure to use the same ATM/debit card that was selected for your ATM withdrawal in the Bank of America Mobile Banking app. If a different ATM/debit card is used at the ATM, you will not be able to complete the withdrawal you set up in the app.

No. The available balance in your account is confirmed when you set up your ATM withdrawal in the Bank of America Mobile app, but no deduction is made to your account until you arrive at the ATM and we are able to confirm the available funds in your account at the time you pick up your cash. If funds are no longer sufficient to complete your withdrawal, your transaction will be declined.

You will have 24 hours to visit any Bank of America ATM to pick up your cash, otherwise your transaction will expire.

You can set up 1 withdrawal at a time.

You may withdraw up to $800 in a single transaction, if this amount does not exceed your available account balance or daily ATM withdrawal limit for your ATM/debit card at the time of setup and when you actually pick up the cash.

You may choose one of the following receipt options in the Bank of America Mobile Banking app when setting up an ATM withdrawal:

• Email receipt only (you choose which email address will be used to send your receipt)
• Paper receipt only
• No receipt

Your receipt will be printed or emailed when you pick up your cash at any Bank of America ATM. If you are using the Bank of America Mobile Banking app in Spanish, your email or paper receipt will also be in Spanish.

You may set up an ATM withdrawal from your checking or savings account that allows ATM access using your Bank of America ATM/debit card. Please note that savings accounts have a limit on withdrawals and transfers of 6 per monthly statement cycle (or per month if you have a quarterly statement cycle). For complete details, please refer to the Schedule of Fees for your account.

Yes, if you choose to cancel your withdrawal, you must do so using the Bank of America Mobile Banking app. If you don’t cancel the withdrawal and you don’t pick up your cash at an ATM, your transaction will expire 24 hours after you set it up.

Yes, you may set up your ATM withdrawal using the Bank of America Mobile app in both English and Spanish.

No. For your security, you are required to use your Bank of America ATM/debit card or digital wallet and also enter your ATM/debit card PIN when picking up your cash at a Bank of America ATM.

Cardless ATMs have a contactless reader in addition to a standard card reader. Using a contactless reader, you can begin your ATM transaction using your smartphone or other contactless device. Learn more about cardless ATMs

Bank of America cardless ATMs can be found at select locations nationwide. Find a cardless ATM

We offer the ability to withdraw cash, check balances and transfer funds. Some cardless ATMs allow you to make deposits (more are being added this year).

Apple Pay®, Google Pay™, and Samsung Pay can be used at a cardless ATM. Learn more about wallets and eligible devices

If you have a phone eligible for Apple Pay®, Google Pay™ or Samsung Pay, you can add your cards right from our Mobile Banking app by going to Account Management and choosing to add a card to your phone’s wallet. Otherwise, go to our digital wallets page and select your device, then select the FAQ link for instructions on how to add your debit card to your digital wallet.

Using your smartphone at a cardless ATM is easy. Simply follow these steps:

1. At the ATM, select your Bank of America debit card in your digital wallet.
2. Hold your phone over the contactless symbol on the ATM and access the card in your wallet with the touch of your finger.
3. Enter your debit card PIN on the ATM and start your transaction.

Bank of America cardless ATMs can be found at select locations nationwide. Find a cardless ATM

We recommend that you lock your phone display with a fingerprint or PIN. Using this type of security setting for your device will help prevent unauthorized access to your phone’s contents, including access to an ATM.

If your device is lost or stolen, you can manage your debit cards in Online Banking: If you cannot locate your device, lock or delete your virtual cards by signing into Online Banking and selecting Profile & Settings then Digital Wallets & Virtual Cards Settings and follow the instructions provided.

Not an Online Banking customer? Enroll in Online Banking today

No, Bank of America credit cards are not currently eligible for cardless ATM transactions.

To report an ATM that is out of order or damaged, call 844.401.8500 and select option 1. Provide the ATM ID, which can be found on the ATM or on your ATM receipt.

If your card was issued by Bank of America and you received the wrong amount of cash or your deposit amount or receipt is inaccurate, call 844.401.8500 and select option 2. Please provide as much information as possible about your transaction to assist us with researching and resolving your claim. Useful information may include a description of what occurred during your transaction at the ATM, the ATM ID or location of the ATM, and the date/time and amount of your transaction.

For general account servicing and information, call 844.401.8500 and select option 3. To help us direct your call, your card or account number will be required.

Options for requesting a replacement card:

• Visit a local financial center
• Request a replacement card by phone
• Request a replacement card online

To find the nearest Bank of America locations, please use our ATM and Financial Center Locator.

All Bank of America ATMs are talking ATMs that deliver private, spoken instructions through a headset that plugs into an audio jack on the ATM. Created for people who are blind or visually impaired, the Talking ATM features every capability found at any of our other ATMs, so you can:

• Make deposits
• Withdraw cash
• Transfer money between accounts
• Check account balances
• Complete other types of transactions at selected ATMs

You can use your own head phones, or Bank of America will provide free-of-charge ear buds or head phones for use at our Talking ATMs. To request yours, please visit your local financial center.

The height of the ATM is set to comply with the Americans with Disabilities Act. Bank of America strives to make ATMs accessible for individuals who have disabilities. Learn more about Accessible Banking.

You may set your screen language preference at the ATM. After you enter your PIN, select Other Transactions, Set Preferences and Language Preference. You will be able to choose one of seven languages made available at the ATM, including:

• English
• Spanish
• Chinese
• French
• Korean
• Portuguese
• Russian

You may set or change your preferences at the ATM once you enter your PIN. From the Available Transactions screen, select either Set Preferences or Additional Options in the submenu and follow the prompts to set or change your preference.

Select Set Preferences for:

• Language preference
• Fast cash amount
• Receipt options
• Audio ATM (if preference previously set)

Select Additional Options for:

• PIN changes
• Nearby ATM locations

Each check contains account and routing numbers that are encoded with magnetic ink. The ATM reads the magnetic ink and then reads the amount by using Optical Character Recognition. Customers are asked to confirm the amount of every deposit. The ATM is not able to read checks printed on machines that do not use magnetic ink, such as home printers.

Bank of America receives images of currency from the U.S. Treasury Department. Each bill is scanned using Optical Character Recognition and verified for their authenticity.

Yes, images of deposited checks are available through Online Banking.

The number of checking, savings, credit card or line of credit accounts linked to each debit card or ATM card may depend on the type of account(s) you have. Please visit your local financial center or contact us at 800.432.1000 to determine the exact number, and to link and unlink your accounts.

Email receipts are available for withdrawals (including Fast Cash and withdrawals started in the Mobile Banking app), cash deposits, some check deposits, transfers and payments. For check deposit transactions, email receipts are not available if you select Receipt with Check Images; to receive an email receipt, select Receipt with Summary.

Yes, email receipts can be requested during eligible ATM transactions if you have at least 1 email address associated with your Bank of America profile and you’re conducting your transaction using your Bank of America consumer debit or ATM card.

If your ATM transaction is eligible for an email receipt, your options will include Email Only, Print Only or No Receipt. In order to receive an Email Only receipt, you will be required to choose an email address during your ATM transaction. After you’ve selected an email address to use for an ATM email receipt, that selected address will display on the Receipt Options screen during future transactions. You will always be able to choose another email address during your ATM transactions by selecting the Use Another Email button. For each eligible transaction, only 1 email address can be selected to receive an email receipt.

To protect your information, your email address will be partially hidden on the ATM screen. For example, john.doe@email.com will appear as j****e@email.com. On the Receipt Options screen, you’re given the opportunity to Show Full Email prior to selecting an email receipt option. This will allow you to validate your email address for accuracy.

ATM email receipts contain your name and a record of your transaction, including details such as type and dollar amount of transaction, account balances, date, time and location of transaction.

The subject of the email receipt will vary based on the type of transaction, but will include “ATM receipt” as well as the transaction type (withdrawal, deposit, transfer or payment) and the date of the transaction. Email receipts are sent from atm@receipts.bankofamerica.com.

To protect your information, ATM email receipts will never contain your full account or card numbers.

To update email addresses associated with your customer profile, sign in to the Mobile Banking app or Online Banking and select Profile & Settings to update your contact info and manage your email addresses. You may also call us or visit a financial center for assistance with updating your contact information.

If your email address requires updating, you should not request an email receipt. Instead, select Print Only or No Receipt for your current transaction. Updates made to your email addresses in Online Banking or by calling or visiting us will be reflected during future ATM transactions.

ATM receipt images are not available in the Mobile Banking app or in Online Banking. However, you can see the details of your ATM transactions on the Account Activity tab in either the mobile app or in Online or Mobile Banking.

During your ATM transaction, simply choose either Print Receipt or No Receipt.

To set your receipt preferences, follow these steps at any Bank of America ATM:

1. From the Available Transactions menu, select Set Preferences.
2. Select Receipt Preferences.
3. Choose Fast Cash and/or All Other Transactions (withdrawals, deposits, transfers and payments).
4. If you don't want your email address displayed on the screen (or don't want to be asked each time) set your ATM receipt preference to either Always Print or Don't Print.
5. Confirm your preference setting.

Your receipt preference will be saved and the email receipt option will no longer appear during future ATM transactions. If your receipt preference is set to Ask Each Time, we will continue to offer you email receipt options.

This feature is no longer available at the ATM, but you still have several options for making payments to your Bank of America mortgage:

• Sign in to Online Banking. You can use optional Bill Pay to pay your bills.
• Visit a local financial center or ATM with Teller Assist®. Find a location
• Make a mortgage payment by phone

You can make Bank of America credit card payments at our ATMs with only your Bank of America credit card and your check or cash. Simply visit your local Bank of America ATM, insert your credit card and select Make a Payment. Please note that business credit cards are not supported at this time.

If your credit card is linked to your debit card or ATM card, you can make a credit card payment at the ATM using the Transfers & Payments option.

If your credit card is not linked to your ATM or debit card, visit a financial center or contact us to link your credit card to your ATM or debit card.

Banks are governed by federal regulations surrounding the availability of funds, and Bank of America makes every effort possible to make funds available as quickly as possible to our customers. Bank of America’s policy looks at different criteria, such as type of deposit, deposit amount and customer relationship.

The following types of deposited funds receive same day availability, including interstate deposits:

• Cash
• ACH (direct debit)
• Wires

Cut-off times apply for covering items during nightly processing.

The following types of deposited funds must generally be made available on the first business day following the banking day of deposit:

• Cashier's checks
• Certified checks
• Federal Reserve Bank checks
• Federal Home Loan Bank checks
• Official checks
• Checks drawn on Bank of America
• State or local government checks (if deposited in issuing state)
• Teller checks
• Travelers checks (new accounts only)
• Up to $225 of aggregate deposit of local and non-local checks not already subject to next day availability
• U.S. Postal Service money orders
• U.S. Treasury checks

Note: Private money orders such as those available at convenience stores and other non-bank outlets are subject to the same holds as checks or drafts.

Travel notifications are no longer needed. We’ll continue to monitor your accounts and send automatic alerts to your phone or email if we detect suspicious activity. To help prevent card interruptions, make sure your email address and mobile number are up to date so we can notify you quickly about unusual activity. Should you need us while traveling, call the number on the back of your card anytime. Update contact info

You may request an increase or decrease in the amount you can withdraw at an ATM in the following ways:

• Call 800.432.1000
• Visit a financial center

Cash in foreign countries is dispensed in the local currency and debited from your account in dollars.

If you are unable to use a foreign ATM, you may be able to use your debit card or ATM card to withdraw funds at a local bank.

Debit cards may give you a better exchange rate than you’ll receive at currency exchange bureaus.

Use your Bank of America ATM or debit card at one of our International partner ATMs and avoid the non-Bank of America ATM $5 usage fee for each withdrawal, transfer or balance inquiry as well as the ATM operator access fee.

• Barclays United Kingdom layer (England, Scotland, Wales, Northern Ireland, Jersey, Guernsey and the Channel Islands)
• BNP Paribas layer (France)
• BNL D'Italia layer (Italy)
• Deutsche Bank layer (Germany and Spain)
• UkrSibbank layer (Ukraine)
• TEB layer (Turkey)
• Scotiabank layer (Canada, Mexico, Peru, Chile, and the Caribbean countries: Antigua & Barbuda, The Bahamas, Barbados, Cayman Islands, Dominican Republic, Jamaica, Trinidad & Tobago, and Turks & Caicos Islands)
• Westpac Bank layer (Australia and New Zealand)
• China Construction Bank layer (Mainland China, excluding Hong Kong)

Bank of America will assess an international transaction fee of 3% of the converted US dollar amount. Foreign ATM operators may offer to do your currency conversion for you, but they may charge a higher fee for conversion. To insure that your currency conversion does not incur a fee higher than 3%, you may refuse the ATM operator's offer to convert the amount of the transaction.

Note: Participation in this program is subject to change, please review participating Financial Institutions prior to traveling internationally and using International Partner ATMs.

Bank of America provides exchange rates for foreign currency online.

Many travelers find it necessary to have local currency immediately upon arrival for tips, taxis and other miscellaneous expenditures. It’s a good idea to have some cash in foreign currency on hand for immediate expenses. Some airports and train stations do not have foreign exchange offices; if they do, they may have limited hours of operation and may charge high rates for the exchange.

Our foreign currency exchange page includes complete details about ordering foreign currency online or at a banking center.

Unused foreign currency travelers checks can be exchanged at a financial center.

The U.S. State Department provides country-specific information layer including travel warnings, restrictions and public announcements issued by the U.S. government to its citizens.

• Check the network: You can use your Bank of America debit card or ATM card anywhere you see the CIRRUS symbol. In addition to CIRRUS, you can use ATMs with the MasterCard or Visa symbols. The symbol on the front of your card will indicate if your card is MasterCard or Visa.
  • To find the nearest MasterCard/CIRRUS ATM, please visit https://www.mastercard.com/atm
  • To Find the nearest Visa ATM, please visit https://www.visa.com/atmlocator/index.jsp
• Understand the types of fees charged: The non-Bank of America ATM usage fee is $5. This fee is assessed for each withdrawal, transfer or balance inquiry performed at a non-Bank of America ATM in a foreign country. In addition, the ATM operator may charge an access fee for cash withdrawals. Your deposit account statement will reflect the U.S. dollar equivalent of your foreign ATM withdrawal. Bank of America will assess an international transaction fee of 3% of the U.S. dollar amount for all ATM withdrawals processed in foreign currency. International ATM operators may offer to do your currency conversion for you, but they may charge a higher fee for conversion. To insure that your currency conversion does not incur a fee higher than the one stated above, you may refuse the ATM operator's offer to convert the amount of the transaction. The fee is assessed as a separate transaction fee on the posting date of the withdrawal.
  
  You can avoid the non-Bank of America ATM usage fee and ATM operator access fee by using one of our international partner ATMs in the corresponding countries listed below:
  • Barclays United Kingdom layer (England, Scotland, Wales, Northern Ireland, Jersey, Guernsey and the Channel Islands)
  • BNP Paribas layer (France)
  • BNL D'Italia layer (Italy)
  • Deutsche Bank layer (Germany and Spain)
  • UkrSibbank layer (Ukraine)
  • TEB layer (Turkey)
  • Scotiabank layer (Canada, Mexico, Peru, Chile, and the Caribbean countries: Antigua & Barbuda, The Bahamas, Barbados, Cayman Islands, Dominican Republic, Jamaica, Trinidad & Tobago, and Turks & Caicos Islands)
  • Westpac Bank layer (Australia and New Zealand)
  • China Construction Bank layer (Mainland China, excluding Hong Kong)
  Note: Participation in this program is subject to change, please review participating Financial Institutions prior to travelling internationally and using International Partner ATMs.
• Check your PIN: Most international ATM operators support up to 12-digit PINs. However, some operators only support 4-digit PINs. Also, be sure your PIN does not start with a zero. To change your PIN, insert your ATM or debit card in to a Bank of America ATM, enter their current PIN, select More Options, select Change PIN and follow the screen prompts. Be sure to know your PIN by numbers, as some ATMs outside the United States don't have letters on the keyboards.
• International ATM operators: Some international ATM operators have limited functionality and may not offer access to your savings account or offer transfers and inquiries. All ATM operators will provide withdrawal access to your primary checking account. Some international ATMs are only available during normal business hours. Some (but not all) international ATMs offer instruction in English.
• Have a backup plan: While traveling overseas, systems used by international banks occasionally may go down, so there may be a possibility you will not be able to use your card when you need to use an ATM or make a purchase. In addition to using your debit card or ATM card, you should consider taking foreign currency. Please visit the foreign currency area of our website to explore these options.

A chip card is a standard-size plastic debit card that contains an embedded microchip as well as the traditional magnetic stripe. The chip encrypts information to help increase data security when making transactions at terminals or ATMs that are chip enabled. More about chip cards

Yes, your card will work at both a chip-enabled ATMs and at ATMs where only magnetic stripe transactions are accepted.

1. Insert your card face-up in the ATM to begin your transaction.
2. Follow the on-screen instructions. Chip-enabled ATMs will hold your card during the transaction.
3. Always remember to take your card when prompted.

No, there may be differences. Once you insert your card, the easy on-screen instructions will guide you through the transaction process.

• Chip-enabled ATMs: Insert your card (you may be prompted to remove and reinsert your card). The ATM will hold your card during the transaction. Simply follow the on-screen instructions to complete your transaction and remember to take your card when your transaction is complete. If you need to conduct more than one transaction, you will need to reinsert your card and enter your PIN again as a security measure.
• Non-chip-enabled ATMs: A chip card still has a magnetic stripe on the back, so if the ATM is not yet chip-enabled, your transaction will be processed as it is today.

• Treat your card like cash and keep it in a safe place
• Keep your personal identification number (PIN) a secret
• Do not disclose card information over the phone to anyone. No one needs to know your PIN, not even your financial institution.
• Never disclose information about your card in response to an unsolicited email or request
• If you use your debit card for purchases, make certain your internet shopping sites are secure
• Protect your card by not exposing it to magnetic objects
• Report a lost or stolen card immediately
• Carefully review your account statements and report any fraudulent transactions immediately

• Always pay close attention to the ATM and your surroundings. Make sure you use an ATM in a public, well-lit location.
• Maintain an awareness of your surroundings throughout the entire transaction
• Be wary of people trying to help you with ATM transactions. Bank representatives will have identification.
• Shield the keypad with your hand when entering your PIN
• Be aware of anyone sitting in a parked car nearby
• Pay attention when leaving an ATM to make sure you are not being followed. If you are, drive immediately to a police or fire station, or to a crowded, well-lit location or business.
• Do not use an ATM that appears unusual looking or offers unfamiliar options
• Do not allow people to look over your shoulder as you enter your PIN. Memorize your PIN; never write it on the back of your card.
• Do not re-enter your PIN if the ATM keeps your card. Contact a bank official.
• Do not wear expensive jewelry or take other valuables to the ATM
• Never count cash at the machine or in public. Wait until you are in the safety of your car or another secure place.
• When using a drive-up ATM, keep your engine running, your doors locked and leave enough room to maneuver between your car and the one ahead of you in the drive-up line
• Deposit Image ATMs reduce the paperwork required prior to your arrival at the ATM. This will minimize the amount of time spent at the machine.
• Make sure you retain your transaction receipt, if you chose to receive a printed receipt. Do not throw the receipt away at the ATM site.
• Always remember to take your card with you after completing your transaction
• Closely monitor your bank statements, as well as your balances, and immediately report any problems to your bank
• If you are involved in a confrontation and the attacker is armed and demands your money or valuables, give it to them. Do not resist. Your property may be recovered later or replaced.

Withdrawals, transfers and balance inquiries from ATMs at other financial institutions in the United States may be assessed a fee. You may also be charged a fee by the ATM operator or any network used. You may be charged a fee for a balance inquiry even if you do not complete a funds transfer. Other account fees may apply to the transaction such as an excess withdrawal fee for savings. Please refer to the Personal Schedule of Fees for additional information.