Bank of America has about 16,000 ATMs across the United States, but availability depends on where you live and what you're willing to travel for.
Bank of America operates the second-largest ATM network in the country. Most of these machines are inside Bank of America branches, but some are in retail locations like grocery stores and pharmacies. If you live in or near a major city, you'll likely find one within a few blocks. If you're in a rural area, the nearest ATM may be several miles away.
The real question isn't whether Bank of America has ATMs — it's whether one is convenient for your daily routine. That depends on your location, your banking habits, and whether you're willing to pay out-of-network fees when you can't reach a Bank of America machine.
Key Takeaways
- Bank of America's ATM locator tool on their website or mobile app shows the exact address and hours of every machine in their network.
- ATMs inside Bank of America branches are free for account holders; ATMs in retail locations may charge a fee depending on the retailer.
- Using an ATM that doesn't belong to Bank of America typically costs $2 to $3 per transaction, plus a fee from your own bank.
- Bank of America customers can also withdraw cash at checkout in many grocery stores and pharmacies at no charge, even without making a purchase.
How to find the nearest Bank of America ATM
The fastest way is to use the ATM locator on Bank of America's website or mobile app. Enter your address, zip code, or current location, and the tool shows every ATM within a radius you choose — usually 1, 5, or 10 miles. Each result includes the full address, hours of operation, and whether the machine accepts deposits.
You can also call Bank of America customer service at 1-800-432-1000 and ask for the nearest ATM to a specific address. This works if you're traveling or don't have internet access. The representative will give you the address and directions.
Google Maps also indexes Bank of America ATMs. Search "Bank of America ATM near me" and the map will show locations, hours, and user reviews. This is useful if you want to see which machines other customers have reported as working or broken.
When Bank of America ATMs charge fees
Bank of America does not charge its own customers a fee to use any ATM in the Bank of America network, whether it's inside a branch or in a retail location. The transaction is free.
You will pay a fee if you use an ATM that belongs to a different bank or network. This fee usually ranges from $2 to $3 and comes from Bank of America. Additionally, the ATM's owner (the other bank) may charge you a second fee, typically $1 to $2. So a single withdrawal at an out-of-network ATM can cost you $3 to $5 total.
Some Bank of America accounts include out-of-network ATM fee reimbursement, but this is rare and usually limited to premium accounts. Check your account terms or call customer service to confirm whether you have this benefit.
Cash withdrawals without using an ATM
You don't have to find an ATM if you're willing to shop. Bank of America customers can withdraw cash at the checkout counter in many grocery stores, pharmacies, and retailers — Safeway, Kroger, Walgreens, CVS, and Walmart are common partners. You make a small purchase (or sometimes no purchase at all) and ask the cashier for cash back. There is no fee.
This option is convenient if you're already shopping and need cash. The amount you can withdraw varies by retailer but is often $20 to $100. You'll need your debit card and a PIN.
ATM availability in different regions
Bank of America's ATM density varies significantly by state. In California, New York, Texas, and Florida — where Bank of America has many branches — you'll find ATMs on most commercial blocks in cities and towns. In states where Bank of America has fewer branches, ATMs are more spread out.
Rural areas present a real challenge. If you live in a county with only one or two Bank of America branches, the nearest ATM may be 20 or 30 miles away. In this situation, you may find it more practical to use a local bank's ATM and accept the out-of-network fee, or to withdraw cash during branch visits and manage your cash more carefully.
Before opening a Bank of America account, use the ATM locator to check how many machines are near your home, workplace, and places you visit regularly. This is especially important if you prefer to use ATMs frequently or if you live outside a major metropolitan area.
What to do if an ATM is broken or out of service
If you find a Bank of America ATM that's not working, you can report it through the mobile app or website. Look for a "Report a Problem" or "ATM Issue" option on the machine's screen, or contact Bank of America customer service. The bank aims to repair machines quickly, but this can take a few days.
In the meantime, use the locator tool to find another Bank of America ATM nearby, or visit a Bank of America branch during business hours and withdraw cash from a teller. If you're charged an out-of-network fee because a Bank of America ATM was broken, you can request a refund by calling customer service and explaining the situation. The bank may reverse the fee as a one-time courtesy.
Frequently Asked Questions
Can I use a Bank of America ATM if I don't have a Bank of America account?
No. Bank of America ATMs are for Bank of America customers only. If you try to use one without an account, the machine will decline the transaction. You would need to use an ATM from your own bank or a network that accepts non-customers, though you'll likely pay a fee.
Do Bank of America ATMs accept deposits?
Most do, but not all. The ATM locator tool shows which machines accept deposits — look for a "deposit-enabled" label. Deposits made before the cutoff time (usually 9 p.m.) post to your account the same day. After-hours deposits post the next business day.
What happens if I withdraw money from an ATM outside the United States?
Bank of America charges a $5 international ATM fee on top of any fee the foreign bank charges. The exchange rate used is set by your card network, not Bank of America. If you travel internationally often, ask about accounts or cards with reduced international fees.
Can I set a daily ATM withdrawal limit?
Yes. Log into your Bank of America account online or through the app, go to settings, and adjust your daily ATM withdrawal limit. The default is usually $500 to $1,000, but you can lower it for security or raise it if you need more cash access. Changes take effect immediately.
What should I do if an ATM keeps my card?
Call Bank of America immediately at 1-800-432-1000. The bank can cancel the card and issue a replacement, which usually arrives in 5 to 7 business days. In the meantime, you can use mobile banking or visit a branch to withdraw cash. If the ATM was not a Bank of America machine, contact that bank as well — they may be able to retrieve your card.