Most Bank of America ATMs are open 24/7, but some branches have limited hours

The vast majority of Bank of America ATMs operate around the clock, seven days a week. You can withdraw cash, deposit checks, and transfer money at any hour. However, ATMs inside Bank of America branches—rather than standalone machines—may close when the branch closes. A branch ATM might stop working at 6 p.m. on a weekday or not operate on Sundays, depending on that location's hours.

The safest approach is to check the specific ATM you plan to use before you need it. Bank of America's website and mobile app both show ATM locations and their hours. If you search for an ATM and see no hours listed, it is almost certainly a 24/7 machine. If hours appear, that ATM is tied to a branch schedule.

ATMs at other banks and in retail locations (grocery stores, gas stations, pharmacies) that display the Bank of America logo are also typically open 24/7, though some retail partners may have different policies. You can use these machines to withdraw cash without a fee.

Key Takeaways

  • Standalone Bank of America ATMs and those in retail locations are open 24/7 in most cases, but ATMs inside branch buildings close when the branch closes.
  • Check the Bank of America website or mobile app before you go to confirm the specific ATM's hours, especially if it is inside a branch.
  • You can withdraw cash, deposit checks, and transfer funds at any Bank of America ATM regardless of time of day, as long as the machine is open.
  • Using a Bank of America ATM displays the Bank of America logo is free; using an out-of-network ATM may result in a fee from both your bank and the ATM operator.

How to find a 24/7 ATM near you

Open the Bank of America mobile app or visit bankofamerica.com and use the ATM locator tool. Enter your address or zip code, and the results will show every nearby ATM. Look at the details for each location: if it lists specific hours (such as "Monday–Friday 8 a.m.–6 p.m."), that ATM is inside a branch and closes at those times. If no hours are listed, the machine is open 24/7.

The app also shows which ATMs accept deposits, which ones have video banking (allowing you to speak with a representative), and whether they are inside a branch or standalone. Retail ATMs—those in grocery stores or gas stations—are marked separately and are almost always 24/7.

If you are traveling or in an unfamiliar area, the locator tool will show you the nearest Bank of America ATM. You can also search by feature: for example, if you need to deposit a check at 2 a.m., you can filter for ATMs that accept deposits and are open 24/7.

What happens if you use an ATM outside Bank of America's network

If you withdraw cash from an ATM that does not display the Bank of America logo, you will typically pay a fee. Bank of America charges its own out-of-network ATM fee (usually $2.50 per transaction, though this varies by account type), and the ATM operator may charge an additional fee (often $1 to $3). Both fees are deducted from your account immediately.

Some Bank of America accounts waive out-of-network ATM fees under certain conditions. Premium accounts, such as Preferred Rewards, may reimburse these fees monthly. Check your account terms or call Bank of America to confirm whether your account includes this benefit.

To avoid these fees, stick to Bank of America ATMs or ATMs in the Allpoint network, MoneyPass, or other networks Bank of America participates in. The locator tool will show you which machines are fee-free.

ATM transactions that work around the clock

At a 24/7 Bank of America ATM, you can withdraw cash, deposit checks, deposit cash, transfer money between your accounts, check your balance, change your PIN, and order a replacement card. All of these transactions process immediately or within one business day, depending on the type.

Cash withdrawals and balance inquiries are instant. Check deposits typically post within one business day. Cash deposits post immediately to your available balance. Transfers between your own Bank of America accounts are instant. If you transfer money to another person's Bank of America account, it may take one to two business days to appear in their account, depending on the time of day you make the transfer.

Some ATMs also offer video banking, which lets you speak with a Bank of America representative by video call. This service is available 24/7 at participating ATMs and can help with account questions or issues that require more than a standard ATM transaction.

Branch ATMs versus standalone machines

A branch ATM is located inside a Bank of America branch building. These machines operate only during the branch's business hours. Most branches are open Monday through Friday from 9 a.m. to 5 p.m., with limited Saturday hours and no Sunday hours, though some locations vary. If you need cash outside these hours, you must use a standalone ATM.

Standalone ATMs are located outside branch buildings—in parking lots, on street corners, inside retail stores, or at gas stations. These machines are open 24/7 and do not depend on branch hours. They offer the same functions as branch ATMs and carry no additional fees when you use a Bank of America machine.

If you regularly need cash outside normal business hours, identify a standalone Bank of America ATM near your home or workplace and save its location in your phone. This way, you will always know where to go.

What to do if an ATM is not working

If a 24/7 ATM is out of service, the machine will display an error message and will not dispense cash or accept deposits. Some machines show a phone number you can call to report the problem. You can also report a broken ATM through the Bank of America mobile app or website, or by calling customer service at 1-800-432-1000.

If you needed cash urgently and the ATM was broken, you have other options: visit a Bank of America branch during business hours, use a different Bank of America ATM, or visit a Bank of America branch and withdraw cash over the counter (even if the branch is closed, some locations have after-hours cash services). Call ahead to confirm the branch offers this service.

Bank of America typically repairs broken ATMs within 24 hours. If an ATM is consistently out of service, the company may remove it or replace it with a working machine.

International ATM access and fees

Bank of America ATMs are located only in the United States. If you are traveling outside the U.S., you cannot use a Bank of America ATM. Instead, you can withdraw cash from ATMs operated by Bank of America's partner banks in other countries. These partner networks vary by country and region.

Withdrawals from international ATMs typically incur both an out-of-network fee from Bank of America and a foreign transaction fee (usually 1% to 3% of the withdrawal amount). Some Bank of America accounts waive international ATM fees; check your account terms before traveling.

Before you travel, contact Bank of America to let them know your destination. This prevents your card from being flagged as fraudulent when you use it abroad. You can also ask which ATM networks operate in your destination country and whether your account includes fee waivers for international withdrawals.

Frequently Asked Questions

Can I deposit cash at a Bank of America ATM at 3 a.m.?

Yes, if you use a 24/7 Bank of America ATM. The cash will be added to your available balance immediately. However, if the ATM is inside a branch building, it will not be available at 3 a.m. Use the locator tool to find a standalone or retail ATM near you that is open 24/7.

Do I pay a fee to use a Bank of America ATM?

No, using a Bank of America ATM is free for Bank of America customers. You only pay a fee if you use an ATM from a different bank or network. Some accounts waive out-of-network fees; check your account details or contact customer service to confirm.

What if I need cash and all nearby Bank of America ATMs are broken?

Visit a Bank of America branch during business hours and withdraw cash over the counter. Some branches offer after-hours cash services; call ahead to confirm. You can also use an ATM from another bank, though you will pay an out-of-network fee.

Are ATMs in grocery stores and gas stations open 24/7?

Most Bank of America ATMs in retail locations are open 24/7, but some may have limited hours if they are inside a store that closes at night. Check the locator tool for the specific machine's hours. Retail ATMs carry no fee when you use a Bank of America machine.

Can I transfer money to someone else's account at an ATM?

You can transfer money between your own Bank of America accounts at any ATM. To transfer money to another person's account, you must use online banking, the mobile app, or visit a branch. ATMs do not support transfers to other people's accounts.