Most Bank of America ATMs are open 24/7, but some are not

Bank of America operates two types of ATMs: those inside branches and those in other locations like grocery stores, gas stations, and standalone kiosks. The 24/7 availability depends on which type you use and where it is located. ATMs inside Bank of America branches close when the branch closes, which is typically in the evening on weekdays and early afternoon on Saturdays. ATMs outside branches — called off-premise ATMs — are usually available around the clock, but this varies by location and the owner of the building where the ATM sits.

If you need cash outside normal branch hours, an off-premise Bank of America ATM is your most reliable option. However, you should not assume every ATM you see with the Bank of America logo operates on the same schedule. Some ATMs in retail locations may be shut down at night for security reasons, even though Bank of America does not control that decision.

Key Takeaways

  • ATMs inside Bank of America branches follow branch hours and are not open 24/7, typically closing by 6 p.m. on weekdays.
  • ATMs located outside branches — in grocery stores, gas stations, and other retail locations — are usually open 24/7, but availability depends on the building owner's policies.
  • You can find the hours of a specific ATM by searching the Bank of America ATM locator on their website or mobile app and selecting the individual machine.
  • Some off-premise ATMs may be temporarily closed or have restricted hours due to maintenance, security concerns, or the host location's operating schedule.

How to check the hours of a specific ATM

Bank of America's ATM locator tool on their website and mobile app shows the hours for individual machines. Enter your address or ZIP code, and the tool displays nearby ATMs with their specific operating hours listed. This is the most accurate way to confirm whether a particular ATM is open 24/7 or has limited hours.

When you select an ATM from the search results, the locator shows whether it is inside a branch or at another location. If it is inside a branch, the hours will match the branch hours. If it is off-premise, the listing will indicate whether it operates around the clock or has specific hours. Some ATMs also display a note if they are temporarily unavailable.

ATMs inside Bank of America branches

Branch ATMs are not open 24/7. They operate during the same hours as the branch itself. Most Bank of America branches are open Monday through Friday from 9 a.m. to 5 or 6 p.m., with shorter Saturday hours (usually 9 a.m. to 1 or 2 p.m.) and closed on Sundays. Some branches in urban areas or high-traffic locations may stay open later, but this is not standard.

If you need cash after your local branch closes, you will need to find an off-premise ATM. Using an off-premise ATM that is not owned by Bank of America may result in a surcharge, though Bank of America reimburses out-of-network ATM fees for some account types.

ATMs outside Bank of America branches

Off-premise ATMs — those in grocery stores, pharmacies, gas stations, and other retail locations — are typically available 24/7 because they are accessed from the outside of the building. However, the host location controls access to the ATM, and some businesses choose to lock their doors or restrict access during certain hours for security.

For example, an ATM inside a grocery store that closes at 11 p.m. may not be accessible after that time, even though Bank of America does not set that restriction. Similarly, an ATM in a gas station that is open 24 hours should be accessible around the clock. The key is checking the specific ATM's hours in the locator tool rather than assuming all off-premise ATMs operate the same way.

Surcharges at off-premise ATMs

Using an ATM outside the Bank of America network typically results in a surcharge from the ATM operator, usually between $2 and $3 per transaction. Bank of America also charges its own fee for using out-of-network ATMs, typically $2.50 per withdrawal. Some Bank of America account types, such as certain premium checking accounts, reimburse out-of-network ATM fees, so check your account details to see if you are covered.

To avoid surcharges, use a Bank of America ATM whenever possible. Bank of America has one of the largest ATM networks in the United States, so finding an in-network machine is usually straightforward in most areas.

What to do if an ATM is not working

If a Bank of America ATM is not working or appears to be down, you can report it through the mobile app or website. The ATM locator tool sometimes displays a note if a machine is temporarily unavailable. You can also call Bank of America customer service at the number on the back of your debit card to report a broken ATM or ask for the nearest working machine.

If you are traveling or in an unfamiliar area, use the ATM locator before you need cash so you know where the nearest working machine is located. This is especially useful if you are in a rural area where ATMs may be less common.

Frequently Asked Questions

Can I withdraw cash from a Bank of America ATM at night?

Yes, if the ATM is located outside a branch. Off-premise ATMs are usually open 24/7, though you should check the specific machine's hours in the ATM locator tool. Branch ATMs close when the branch closes, typically by 6 p.m. on weekdays.

Do all Bank of America ATMs charge the same fee?

No. Bank of America ATMs do not charge a fee for Bank of America customers. Non-Bank of America customers are charged a fee by the ATM operator. Using an ATM outside the Bank of America network results in fees from both the ATM operator and Bank of America, unless your account type reimburses out-of-network fees.

What if I need cash and all nearby ATMs are closed?

You can visit a Bank of America branch during business hours and withdraw cash from a teller. Some branches may also allow cash withdrawals at the drive-through window. If you are in an emergency, you can use a credit card at a retailer to make a purchase and request cash back.

Are ATMs in Bank of America lobbies open 24/7?

No. ATMs inside the branch lobby are only accessible when the branch is open. Some Bank of America branches have an exterior ATM vestibule that is accessible 24/7, but this is not available at all locations. Check your local branch's details in the ATM locator to see if an exterior ATM is available.