Use Bank of America's ATM locator or your phone to find the closest machine

The fastest way to find a Bank of America ATM near you is to use the Bank of America mobile app or website. Open the app, tap the menu, select "Locations & ATMs," and enter your address or allow the app to use your location. The map will show every Bank of America ATM within a few miles, along with hours and whether the machine is in working order. If you do not have the app, go to bankofamerica.com, click "Locations," and search the same way.

You can also call Bank of America customer service at 1-800-432-1000 and ask for the nearest ATM to your current location. A representative will give you the address and directions. This method works if you are traveling or do not have internet access, though it takes longer than the app.

Google Maps and Apple Maps also show Bank of America ATM locations if you search "Bank of America ATM near me." These maps display real-time information about whether the ATM is open and sometimes show whether it is out of service. The maps app on your phone is often the fastest option if you are already using navigation.

Key Takeaways

  • The Bank of America mobile app shows the nearest ATM with current hours and status in seconds.
  • You can search on bankofamerica.com or call 1-800-432-1000 if you do not have the app.
  • Google Maps and Apple Maps both display Bank of America ATM locations and real-time availability.
  • Bank of America ATMs are typically inside branches, in grocery stores, and at some gas stations.
  • You can withdraw cash at any Bank of America ATM without a fee if you have a Bank of America account.

Where Bank of America ATMs are usually located

Most Bank of America ATMs sit inside Bank of America branches during business hours. If you need cash outside branch hours, look for ATMs in grocery stores like Safeway, Kroger, and Whole Foods, or at gas stations and convenience stores in your area. Bank of America has placed machines in thousands of retail locations nationwide, so you often do not have to go to a branch.

Some Bank of America ATMs are in airports, train stations, and hotels in major cities. If you are traveling, search your destination city in the Bank of America locator before you arrive so you know where to find cash when you land.

What happens when you use an out-of-network ATM

If you use an ATM that is not owned by Bank of America, you will pay a fee. Bank of America charges $2.50 per out-of-network withdrawal from your account. The ATM operator may also charge you a fee on top of that—typically $1 to $3. So a single withdrawal at a non-Bank of America machine can cost you $3.50 to $5.50 in fees.

Some Bank of America accounts waive out-of-network fees if you meet certain conditions, such as maintaining a high balance or setting up direct deposit. Check your account terms or call customer service to see if your account includes this benefit. If you withdraw cash regularly, using Bank of America ATMs saves money over time.

How to avoid ATM fees while traveling

Before you travel, use the Bank of America locator to find ATMs at your destination and plan where you will withdraw cash. Write down the addresses or save them in your phone so you do not have to search while you are away. Withdraw enough cash at one Bank of America ATM to cover several days of spending, rather than making multiple small withdrawals at different machines.

If you are traveling internationally, Bank of America has ATMs in some countries, but they are rare outside major cities. Check the locator before you leave, and consider withdrawing cash at the airport or using a credit card instead. International ATM withdrawals also carry foreign transaction fees on top of out-of-network fees, so the cost adds up quickly.

What to do if the nearest ATM is broken or out of service

If the ATM you planned to use is out of service, the Bank of America app and website will show you the next closest machine. Most ATMs display an "out of service" message on the screen, but the locator updates this information throughout the day. If you see an ATM is broken, you can report it through the app or by calling customer service so Bank of America knows to send a technician.

If you cannot find a working Bank of America ATM nearby, you can withdraw cash inside a Bank of America branch during business hours by speaking to a teller. You can also use a debit card to get cash back at grocery stores and retailers that accept card payments—no ATM required. This option is free and works at most supermarkets and drugstores.

ATM withdrawal limits and daily caps

Bank of America sets a daily withdrawal limit on ATM transactions. The standard limit is $500 per day, though some accounts allow higher limits. If you need to withdraw more than your daily limit, you can go inside a branch and withdraw cash from a teller, or you can call customer service to request a temporary increase to your limit.

The limit resets at midnight each day. If you hit your limit on Monday, you can withdraw another $500 on Tuesday. Some accounts have different limits based on account type or balance, so check your account details or call customer service to confirm your specific limit.

Frequently Asked Questions

Can I withdraw money from a Bank of America ATM if I do not have a Bank of America account?

No. Bank of America ATMs only dispense cash to customers with Bank of America accounts or cards. If you do not have an account, you can withdraw cash at a grocery store or retailer using a debit card from any bank, or you can go inside a Bank of America branch and ask a teller to cash a check.

Do I pay a fee if I use a Bank of America ATM at another bank's branch?

No. Bank of America ATMs are Bank of America machines, regardless of where they are located. You only pay a fee if you use an ATM owned by a different bank. If you see a Bank of America ATM inside another bank's branch, you will not be charged a fee.

What should I do if an ATM takes my card?

Call Bank of America customer service immediately at 1-800-432-1000. The ATM will return your card after a set time—usually within one to three business days—but calling right away lets Bank of America flag your account and prevent fraud. You can also go inside a Bank of America branch and speak to a teller, who can help you retrieve your card faster.

Can I deposit checks at a Bank of America ATM?

Yes. Most Bank of America ATMs accept check deposits. Insert the check into the slot, and the machine will scan it and add the funds to your account. The deposit usually posts within one business day. Some ATMs have limits on the number of checks you can deposit at once, so check the screen if you have multiple checks.