Bank of America has over 4,000 branches across the United States, plus thousands of ATMs

Bank of America operates branches in all 50 states, with the heaviest concentration in California, Texas, Florida, New York, and North Carolina. You can find a specific branch location, its hours, and services offered by using the Bank of America branch locator on their website or by calling 1-800-432-1000. The locator tool lets you search by address, zip code, or city name and shows you which branches offer in-person services like account opening, loan applications, and safe deposit boxes.

Beyond branches, Bank of America maintains a network of over 16,000 ATMs nationwide, many of which are available 24/7. ATMs inside Bank of America branches follow branch hours, but standalone ATMs in retail locations, airports, and other venues typically operate around the clock. Using a Bank of America ATM is free for account holders; using an out-of-network ATM usually costs $2.50 per transaction, though some checking accounts waive this fee.

Key Takeaways

  • Bank of America branches exist in all 50 states, and you can find the nearest one using their online branch locator or by calling 1-800-432-1000.
  • Branch hours vary by location, so check the specific branch's hours before you visit for services like account opening or loan processing.
  • Bank of America has over 16,000 ATMs nationwide, and using your own bank's ATM is free for account holders.
  • Some branches offer limited services or are smaller locations, so confirm that your nearest branch handles the specific service you need.

How to find a branch near you

The fastest way to locate a Bank of America branch is through their official branch locator at bankofamerica.com. Enter your zip code, city, or street address, and the tool displays nearby branches with their exact addresses, phone numbers, and hours of operation. Each listing also shows which services that branch offers—some smaller locations may not have loan officers, mortgage specialists, or safe deposit boxes on-site.

If you do not have internet access, call Bank of America's customer service line at 1-800-432-1000. A representative can tell you the nearest branch location, confirm it is open, and let you know whether it offers the specific service you need. This is especially useful if you need to speak with a specialist, such as a mortgage banker or investment advisor, because not all branches have these roles staffed.

What services are available at different branch types

Bank of America operates three main types of branch locations: full-service branches, express branches, and financial centers. Full-service branches handle all services—account opening, deposits, withdrawals, loan applications, safe deposit boxes, and investment services. Express branches are smaller and typically offer basic services like deposits and withdrawals but may not have loan officers or mortgage specialists. Financial centers are larger locations in major cities that offer comprehensive services plus investment and wealth management.

Before you visit, confirm that your branch offers what you need. If you are applying for a mortgage, opening a business account, or need a safe deposit box, call ahead or check the branch listing online to verify the service is available. Some services, like wire transfers or cashier's checks, are available at nearly all branches, but others like notary services may be limited to certain locations.

ATM locations and access

Bank of America ATMs are located inside branches, at retail stores like Walmart and Target, in airports, and at standalone kiosks throughout the country. You can find ATM locations using the same branch locator tool on bankofamerica.com—simply select "ATM" instead of "Branch" in the search options. Most standalone ATMs operate 24/7, while ATMs inside branches follow the branch's hours.

Account holders can withdraw cash, check balances, transfer funds, and deposit checks at any Bank of America ATM at no charge. If you use an ATM from another bank, you will typically be charged $2.50 per transaction by Bank of America, though some checking accounts (such as Preferred Rewards accounts) waive out-of-network ATM fees. The other bank's ATM may also charge you a fee on top of Bank of America's charge.

Banking without visiting a branch

You do not need to visit a branch for most banking tasks. Bank of America's mobile app and website allow you to transfer money, pay bills, deposit checks by photo, and manage accounts from home. You can also call 1-800-432-1000 to speak with a representative about account questions, balance inquiries, or to report fraud.

For services that do require a branch visit—such as opening a new account in person, applying for a mortgage, or accessing a safe deposit box—you can schedule an appointment online or by phone. Scheduling ahead often reduces wait times, especially at busy locations during peak hours.

International Bank of America locations

Bank of America has a limited international presence compared to its U.S. network. The bank operates branches in select countries including Mexico, the United Kingdom, and several other nations, primarily to serve business clients and international customers. If you need banking services while traveling abroad, contact Bank of America before your trip to confirm whether a branch exists in your destination and what services are available.

For international transactions, you can use Bank of America's wire transfer services, foreign exchange services, and international ATM access through partner networks. Many countries have ATMs that accept Bank of America cards, though you will likely be charged a fee by both Bank of America and the foreign bank. Check with your bank about international transaction fees before you travel.

Frequently Asked Questions

Can I open a bank account at any Bank of America branch?

Most full-service and financial center branches can open accounts, but some express branches cannot. Use the branch locator to confirm the branch offers account opening, or call ahead to be certain. You can also open an account online without visiting a branch.

Are Bank of America branches open on weekends?

Many Bank of America branches are open on Saturday, and some are open on Sunday, but hours vary by location. Check your specific branch's hours on the branch locator or call the branch directly. Holiday hours also differ from regular hours.

What do I need to bring to open an account in person?

Bring a government-issued photo ID (driver's license or passport) and a second form of ID or proof of address. You will also need an initial deposit, which varies by account type. Call your nearest branch or check online for the specific deposit requirement for the account you want to open.

Can I deposit cash at a Bank of America ATM?

Yes, most Bank of America ATMs accept cash deposits. The funds are usually available in your account within one business day. Check your ATM receipt or the machine's screen to confirm the deposit was accepted.

What happens if my nearest branch closes?

Bank of America occasionally consolidates or closes branches. If your branch closes, you can use any other Bank of America branch or ATM, or switch to online and mobile banking. The bank typically notifies customers before a closure and helps transfer accounts if needed.