Capital One cards work at some Bank of America ATMs, but not all, and fees explore
You can withdraw cash from a Bank of America ATM using a Capital One debit card or credit card, but Bank of America will charge you a fee for the transaction. Capital One is not part of the Bank of America network, so you will pay an out-of-network ATM fee — typically $2 to $3 per withdrawal, depending on your Capital One account type. The fee comes from Bank of America, not Capital One, though Capital One may also charge its own out-of-network fee on top of that.
If you use a Capital One credit card (not a debit card), you are taking a cash advance, which carries different terms. Capital One charges a cash advance fee — usually 3% of the amount withdrawn, with a minimum of $3 to $5 — plus interest that starts accruing when ready. This makes cash advances much more expensive than regular purchases.
Key Takeaways
- Bank of America ATMs accept Capital One debit cards but charge an out-of-network fee of $2 to $3 per withdrawal.
- Using a Capital One credit card at an ATM is a cash advance, which triggers a separate fee (usually 3% of the amount) plus when ready interest charges.
- Capital One debit cardholders can avoid ATM fees by using Capital One's own ATM network or partnering banks included in their plan.
- The total cost of withdrawing cash at a Bank of America ATM with a Capital One card can reach $5 or more when both banks' fees combine.
How out-of-network ATM fees work with Capital One debit cards
When you insert a Capital One debit card into a Bank of America ATM, the transaction routes through two separate fee systems. Bank of America charges you an out-of-network fee because your card is not issued by them — this fee appears on your Bank of America statement or receipt. Capital One may also charge its own out-of-network fee, which shows up on your Capital One statement.
The exact fees depend on your Capital One account. Capital One 360 (their online checking account) typically reimburses out-of-network ATM fees charged by other banks, so you would only pay Bank of America's fee, which Capital One then refunds. Other Capital One debit products may not offer this reimbursement, so you would pay both fees. Check your account terms or log into your Capital One account to see whether your specific product includes ATM fee reimbursement.
Why Capital One credit cards at Bank of America ATMs cost more
A Capital One credit card is not a debit card — it draws from a line of credit, not a bank account. When you use it at an ATM, you are taking a cash advance, which is treated differently from a regular purchase. Bank of America will still charge an out-of-network fee, but Capital One adds a cash advance fee on top of that, usually 3% of the amount withdrawn (with a $3 to $5 minimum).
Cash advances also start accruing interest when ready, with no grace period like you get on regular purchases. If you withdraw $100, you pay a 3% cash advance fee ($3), plus Bank of America's out-of-network fee ($2 to $3), plus interest that begins the day of the withdrawal. This makes cash advances one of the most expensive ways to access cash with a credit card.
Finding Capital One ATMs and partner networks
Capital One operates its own ATM network and partners with other banks to offer fee-free withdrawals. Capital One 360 customers have access to a nationwide network of over 70,000 ATMs through the Allpoint network, which includes ATMs at retailers like CVS, Walgreens, and Target, plus many independent ATMs. You can find participating ATMs using the Capital One mobile app or the Allpoint ATM locator on their website.
If you have a different Capital One debit product (not Capital One 360), your ATM network may be smaller. Check your account documentation or call Capital One customer service to confirm which ATMs you can use without a fee. Using your bank's own network is always the cheapest option — no fees, no surprises.
What to do if you need cash and only see a Bank of America ATM
If you are in a situation where a Bank of America ATM is your only option, you have a few choices. You can withdraw cash and accept the fees — useful if you need cash urgently and the fee is small relative to what you need. You can ask a cashier at a nearby store to let you withdraw cash back with a debit card purchase, which usually has no fee. You can also find a Capital One ATM or Allpoint partner location using the Capital One app before you leave home, which takes a few seconds and saves the fee.
If you use Bank of America ATMs regularly, it may be worth switching to a bank that has a larger ATM network or that reimburses out-of-network fees. Many online banks and credit unions offer nationwide ATM access or fee reimbursement programs that make cash withdrawal cheaper over time.
Comparing the cost: Capital One debit card versus credit card at Bank of America
| Card Type | Bank of America Fee | Capital One Fee | Interest | Total Cost for $100 Withdrawal |
|---|---|---|---|---|
| Capital One Debit Card (360) | $2–$3 (reimbursed) | $0 | $0 | $0 |
| Capital One Debit Card (other) | $2–$3 | $0–$2 | $0 | $2–$5 |
| Capital One Credit Card | $2–$3 | $3 (3% minimum) | Yes, from day 1 | $5–$6 plus interest |
Frequently Asked Questions
Will Capital One reimburse the Bank of America ATM fee?
Only if you have a Capital One 360 checking account, which reimburses out-of-network ATM fees charged by other banks. Other Capital One debit products do not include this benefit. Log into your account or call Capital One to confirm your account type and whether reimbursement applies to you.
Can I use a Capital One credit card at a Bank of America ATM without paying a cash advance fee?
No. Any withdrawal from an ATM using a credit card is a cash advance, which always triggers a cash advance fee plus interest. There is no way around this — it is how credit cards work. If you need cash, use a debit card instead.
What if I do not know my Capital One account type?
Log into your Capital One account online or through the mobile app and look for account details or settings. You can also call Capital One customer service at the number on the back of your card. They can tell you whether your account includes ATM fee reimbursement and which ATM networks you can use for free.
Is there a limit to how much I can withdraw at a Bank of America ATM with my Capital One card?
Yes, but the limit depends on your Capital One account, not Bank of America. Capital One sets daily withdrawal limits for debit cards, typically $500 to $1,000 per day. Bank of America will not stop you from withdrawing up to your Capital One limit, but you will pay their fee for each transaction.
Do Capital One credit cards work at all Bank of America ATMs?
Most Bank of America ATMs accept credit cards for cash advances, but some older or limited-service machines may not. If an ATM does not accept your card, try a different one or go inside a Bank of America branch. You will still pay the cash advance fee and interest regardless of which machine you use.