Looking for a Bank of America ATM near you? With more than 15,000 ATMs nationwide, Bank of America offers one of the largest and most convenient networks in the United States. Whether you need to withdraw cash, make deposits, or use cardless access with Apple Pay or Google Pay, this guide covers everything you need to know about BOA ATMs in 2025. From fees and withdrawal limits to safety tips and city-specific resources, you’ll find all the details here.
Quick links: Find a BOA ATM • ATM Fees • Withdrawal & Deposit Limits • Competitor Comparison • International Use • Safety • FAQ
Why Use a Bank of America ATM?
- No extra fees for BOA customers: Withdraw cash at any Bank of America ATM without paying service fees.
- Nationwide access: Over 15,000 ATMs available in 39 states and Washington, D.C.
- Extended features: Deposit cash or checks, change your PIN, print mini statements, or customize your ATM preferences.
- Cardless transactions: Many machines support Apple Pay, Google Pay, and Samsung Pay. Learn more in our Cardless ATM guide.
- 24/7 availability: Most ATMs are available day or night, including drive-thru and retail partner locations.
If you want to avoid unnecessary charges, also check our Best No-Fee ATMs Nationwide guide.
How to Find a Bank of America ATM Near Me
- Bank of America Website & App: Use the official locator to search by city, ZIP, or your current location.
- Google Maps: Simply type “Bank of America ATM near me” into Google Maps for real-time directions.
- Text Banking: Send a text with your ZIP code to MYBOFA (692632) to receive the closest ATM details (where available).
- Customer Service: Call the number on the back of your BOA card to ask for nearby ATM locations.
- City Guides: Explore our in-depth guides to ATMs in major metros:
Bank of America ATM Fees (2025)
| User Type | ATM Type | Fee | Tips |
|---|---|---|---|
| BOA Customer | Bank of America ATM | $0 | Always use BOA machines |
| BOA Customer | Out-of-network ATM | $2.50 + operator fee | Withdraw larger amounts to minimize fees |
| BOA Customer | International ATM | $5 + ~3% FX fee | Use global partners when available |
| Non-Customer | Using BOA ATM | $2.50–$3.00 typical | Better to use your bank’s network |
Want to compare fees across banks? See our ATM Withdrawal Limits Comparison guide.
Withdrawal & Deposit Limits
- Daily withdrawal limit: Most BOA accounts allow up to $1,000/day. Premium accounts may be higher.
- Deposit limit: Cash and check deposits are widely accepted at BOA ATMs. Funds availability varies by account.
- Cardless withdrawals: Supported via Apple Pay, Google Pay, and other mobile wallets. See Apple Pay ATMs for details.
- Need more? Learn how to increase your ATM withdrawal limit.
See our full breakdown of Bank of America ATM withdrawal and deposit limits.
Comparison: BOA vs Competitors
| Feature | Bank of America | Chase | Wells Fargo | Capital One |
|---|---|---|---|---|
| Fee at own ATM | $0 | $0 | $0 | $0 |
| Out-of-network fee | $2.50 + surcharge | $3 | $2.50 | $2–$3 |
| Typical daily limit | $1,000 | $500–$1,000 | $800 | $1,000 |
| Cardless support | Yes | Yes | Yes | Yes |
Explore detailed guides: Chase ATMs • Wells Fargo ATMs • Capital One ATMs
International ATM Access
Traveling abroad? You can use your BOA debit card worldwide. Expect a $5 international ATM fee + ~3% foreign exchange fee. To minimize costs, withdraw larger amounts less often. Some BOA premium accounts and partner banks reduce or waive these fees. Always notify BOA before traveling to avoid declined transactions.
ATM Safety & Security
- Use ATMs in well-lit, high-traffic areas.
- Shield the keypad when entering your PIN.
- Inspect the card slot for tampering before inserting your card.
- Secure your cash immediately after withdrawing.
- Be cautious at night—prefer ATMs inside grocery stores, malls, or branches.
Frequently Asked Questions
What other ATM can I use for Bank of America?
You can use any ATM that accepts Visa or Mastercard debit, but out-of-network fees usually apply. To avoid charges, stick with BOA ATMs or accounts that reimburse fees. See our no-fee ATM guide.
Is there a Bank of America in Dayton, Ohio?
Yes, BOA has ATMs and financial centers in Ohio, including Dayton. For national searches, use our city pages for NYC, Chicago, Los Angeles, and Miami.
What banks are connected to Bank of America?
In the U.S., BOA doesn’t offer fee-free access to other bank ATMs. Internationally, some banks may partner with BOA to reduce fees, but it depends on location and account type.
Can I withdraw money from any ATM with Bank of America?
Yes, but out-of-network fees apply if it’s not a BOA machine. Always look for BOA ATMs or surcharge-free networks when possible.
What is the daily withdrawal limit at BOA ATMs?
Most accounts allow up to $1,000/day. Premium or business accounts may offer higher limits. You can request a higher limit for travel or major purchases.
Do BOA ATMs support Apple Pay or cardless withdrawals?
Yes. Many ATMs allow you to tap your phone with Apple Pay, Google Pay, or Samsung Pay instead of inserting your card. This makes transactions faster and more secure.
More resources: ATM Near Me (Hub) • ATM Limits Comparison • Best No-Fee ATMs