How to Use a Bank of America ATM

What a Bank of America ATM does

A Bank of America ATM is a machine where you can withdraw cash from your account, deposit checks or cash, transfer money between your accounts, and check your balance — without going inside a branch. You insert your debit card, enter your PIN (the four-digit code you set up), and the machine walks you through each transaction on its screen.

Bank of America operates its own ATM network, and you can also use ATMs at other banks and networks without a fee if you have a Bank of America checking account. Some ATMs outside the Bank of America network may charge you a fee, though Bank of America reimburses many of those fees depending on your account type.

Key Takeaways

You can withdraw cash, deposit checks or cash, transfer money, and check your balance at any Bank of America ATM using your debit card and PIN.
Bank of America ATMs are free to use if you have a Bank of America account, and you can find them at Bank of America branches and many other locations.
If you use an ATM outside the Bank of America network, you may be charged a fee, though some Bank of America account types reimburse out-of-network fees.
You can withdraw up to a daily limit set by your account type, usually between $500 and $1,000, though you can request a higher limit.

Finding a Bank of America ATM near you

The easiest way to find a Bank of America ATM is to use the ATM locator on the Bank of America website or mobile app. Open the app, tap "Locate Us," and enter your city or zip code. The map will show you every Bank of America ATM and branch nearby, along with hours and whether the machine is currently working.

You can also find Bank of America ATMs at many grocery stores, pharmacies, and convenience stores, even if there is no Bank of America branch in that location. These are still Bank of America machines and free to use with your Bank of America debit card.

How to withdraw cash

Insert your debit card into the slot at the front of the machine. The screen will ask you to enter your PIN. Type the four digits and press Enter. The machine will then show you a menu with options: Withdrawal, Deposit, Transfer, or Balance Inquiry.

Select Withdrawal. The machine will ask you to choose the amount — usually in preset amounts like $20, $40, $60, $100, or $200, though most machines also have a "Custom Amount" button if you need a different sum. Choose your amount, and the machine will count out the bills and return your card. Take both before the machine times out and returns your card to its slot.

Your daily withdrawal limit depends on your account type. Most checking accounts allow $500 to $1,000 per day. If you need more, you can call Bank of America or visit a branch to request a temporary or permanent increase to your limit.

How to deposit checks and cash

Select Deposit from the main menu after entering your PIN. The machine will ask whether you are depositing a check or cash. If you are depositing a check, insert it into the slot with the front facing up. The machine will scan it, show you the amount, and ask you to confirm. If the amount is correct, press Yes, and the check will be pulled into the machine.

For cash deposits, the machine will ask you to insert bills one at a time into a separate slot. The machine counts each bill as it enters. When you are done, press Done, and the machine will show you the total amount deposited. Confirm the amount, and the deposit is complete. The money is usually available in your account within one business day.

Not all Bank of America ATMs have deposit functions — some are cash-only machines. The screen will tell you right away if the machine cannot accept deposits.

Transferring money between your accounts

Select Transfer from the main menu. The machine will show you all the Bank of America accounts linked to your debit card. Choose the account you want to transfer money from, then choose the account you want to transfer money to. Enter the amount and confirm.

Transfers between your own Bank of America accounts happen right away. If you are transferring to an account at a different bank, the transfer will take one to three business days, the same as a transfer you would make online or by phone.

Using ATMs outside the Bank of America network

You can use your Bank of America debit card at ATMs run by other banks and networks like Allpoint, MoneyPass, and Visa Plus. These machines are not owned by Bank of America, so you may be charged a fee by the ATM operator — usually $2 to $3 per transaction.

Bank of America reimburses out-of-network ATM fees for certain account types. If you have a Preferred Rewards membership or certain premium checking accounts, Bank of America will credit the fee back to your account within one to two business days. Check your account terms or call Bank of America to see whether your account includes this benefit.

To avoid fees, use the ATM locator in the Bank of America app to find a Bank of America ATM first. If you cannot find one nearby, ask the ATM operator before you complete the transaction — the machine will tell you the fee amount before you confirm the withdrawal.

What to do if the ATM keeps your card

If you do not remove your card within 30 seconds after a transaction completes, the machine will pull the card back into its slot for security. This is normal and protects you if you forget your card.

Call Bank of America's customer service number on the back of your debit card or visit a Bank of America branch the next business day. Tell them the ATM location and the time you used it. Bank of America can retrieve your card from the machine and mail it to you, or you can pick it up at the branch if the ATM is at a branch location. In the meantime, you can use your mobile wallet or request a temporary card number to make purchases online.

Frequently Asked Questions

Can I withdraw money from a Bank of America ATM without my card?

Yes, if you have the Bank of America mobile app, you can use cardless ATM withdrawal. Open the app, select "Withdraw Cash," choose the amount, and the app will generate a code. At the ATM, select "Cardless Withdrawal," enter the code, and the machine will dispense cash. This works at Bank of America ATMs only.

Why did the ATM charge me a fee if I have a Bank of America account?

The fee came from an out-of-network ATM operator, not Bank of America. If your account type includes out-of-network fee reimbursement, the fee will be credited back within one to two business days. If your account does not include this benefit, the fee is permanent. Check your account terms or call Bank of America to confirm what your account covers.

What is the maximum amount I can withdraw in one day?

Your daily limit is set by your account type and usually ranges from $500 to $1,000. You can check your limit in the Bank of America app under "Account Settings" or by calling customer service. If you need to withdraw more, you can request a temporary or permanent increase by calling Bank of America or visiting a branch.

Can I deposit a check at any Bank of America ATM?

Not all Bank of America ATMs accept deposits. Cash-only ATMs will tell you on the screen that deposits are not available. Use the ATM locator in the Bank of America app and filter for "Deposit Enabled" to find machines that accept checks and cash near you.

How long does it take for a deposited check to show up in my account?

Checks deposited at a Bank of America ATM are usually available within one business day. Deposits made after 9 p.m. or on weekends may not post until the next business day. You can see the deposit in your app right away, but the funds may not be available to withdraw or transfer until the next day.

This guide is for general information only and is not medical, financial, legal, or other professional advice. For decisions specific to your situation, consult a qualified professional. See our Editorial Policy.