Bank of America (BOA) operates one of the largest ATM networks in the United States, with more than 15,000 ATMs across all 50 states. Whether you’re withdrawing cash, depositing checks, or using a mobile wallet, knowing how BOA ATMs work can help you save time, avoid fees, and bank securely wherever you are.
Why Use a Bank of America ATM?
Bank of America ATMs combine convenience, speed, and security. Here’s what makes them stand out:
- No network fees: BOA customers enjoy free access to all in-network ATMs.
- Cardless access: Tap your phone via Apple Pay, Google Pay, or Samsung Pay instead of inserting a card.
- 24/7 availability: Thousands of locations include drive-thru, lobby, and retail ATMs for around-the-clock access.
- Enhanced features: Check balances, make transfers, and change your PIN from most machines.
How to Find a Bank of America ATM Near You
You can quickly locate nearby BOA ATMs using these tools:
- Official BOA ATM locator — search by city, ZIP, or service type.
- Google Maps: Type “Bank of America ATM near me” for directions and open hours.
- Bank of America mobile app: Find deposit-enabled and cardless ATMs directly within your app.
For more nationwide ATM information, see our companion guide to BOA ATM locations.
Bank of America ATM Withdrawal and Deposit Limits
Most BOA checking accounts have a daily ATM withdrawal limit of $1,000. Premium or business customers may qualify for higher limits — sometimes up to $2,500 per day. Standard deposit limits generally allow up to $10,000 daily, depending on account tier and verification status.
Need to raise your limit? Contact customer service or visit a branch. You can also review the full breakdown in our Bank of America ATM withdrawal limits guide.
Bank of America ATM Fees (and How to Avoid Them)
BOA customers can use in-network ATMs for free. Out-of-network or international use may include the following charges:
- Out-of-network withdrawal: $2.50 per transaction plus the ATM operator’s fee.
- International withdrawal: $5 per transaction and a 3% foreign transaction fee.
- Card replacement: A small fee may apply if your card is lost, stolen, or retained.
Plan ahead and use the BOA locator or mobile app to avoid unnecessary fees while traveling.
What to Do If an ATM Keeps Your Card
If a BOA ATM retains your card, it’s typically for security or error prevention. Stay calm, take note of the location, and contact your bank right away. Our quick guide on what to do if a Bank of America ATM keeps your card walks you through the steps to secure your account and request a replacement.
Using Cardless and Contactless ATMs
Cardless ATMs allow withdrawals using digital wallets instead of physical cards. Just open your wallet app, hold your phone to the contactless reader, verify your identity, and withdraw cash instantly. This feature improves security and eliminates the risk of card skimming. Learn more in our guide on how cardless ATMs work.
Bank of America ATM Safety Tips
- Use indoor or well-lit ATMs whenever possible.
- Shield your PIN when entering it.
- Avoid help from strangers while using an ATM.
- Inspect the card slot for unusual attachments before inserting your card.
- Enable withdrawal alerts in your banking app.
Final Thoughts
Bank of America ATMs make everyday banking fast, safe, and convenient. With thousands of machines nationwide, digital wallet compatibility, and built-in security, BOA ensures you can access your money anytime — without hassle or hidden fees.