Can You Use a Bank of America ATM with Apple Pay?

In our fast-paced, technology-driven world, the convenience of digital wallets and mobile banking has become essential for many. Apple Pay is one such digital wallet service that allows users to make secure and contactless payments using their Apple devices. On the other hand, Bank of America is one of the largest banking institutions in the United States. But can you combine these two services? Can you use a Bank of America ATM with Apple Pay? In this article, we’ll explore the compatibility and advantages of using Apple Pay with Bank of America ATMs.

Understanding Apple Pay

Apple Pay is a mobile payment and digital wallet service offered by Apple Inc. It’s compatible with various Apple devices, including iPhones, Apple Watches, iPads, and Macs. Instead of carrying physical credit or debit cards, Apple Pay stores your card information securely on your device. It allows for convenient, contactless payments using Near Field Communication (NFC) technology and in-app transactions at a growing number of retailers, online stores, and apps.

To find an Apple Pay-enabled ATM near you, click here.

Bank of America ATMs

Bank of America operates an extensive network of ATMs across the United States. These ATMs offer a wide range of banking services, including cash withdrawals, deposits, balance inquiries, and more. Bank of America has also introduced several technological advancements to enhance the customer experience at their ATMs, including the ability to conduct cardless transactions.

Using Apple Pay at Bank of America ATMs

Bank of America did not offer the option to use Apple Pay directly at their ATMs. However, you can still access your Bank of America accounts and perform various transactions using the Bank of America Mobile Banking App, which can be linked to your Apple Pay.

Here’s how it typically works:

  1. Download the Bank of America Mobile App: Ensure you have the Bank of America Mobile Banking App installed on your Apple device.
  2. Link Your Bank Account: Log in to the app and link your Bank of America accounts securely.
  3. Locate a Nearby ATM: Use the app to find a nearby Bank of America ATM.
  4. Initiate Your Transaction: Choose the type of transaction you wish to perform, such as cash withdrawal.
  5. Generate a QR Code or Token: The app may generate a QR code or token, which you can use at the ATM for a cardless transaction.
  6. Complete the Transaction: Follow the on-screen instructions at the ATM, which may include scanning the QR code or entering the provided token to complete your transaction.

While Bank of America may not offer direct Apple Pay compatibility at their ATMs, their mobile banking app provides a secure and convenient way to access your accounts and conduct transactions without needing a physical card.


While you cannot use Apple Pay directly at Bank of America ATMs as of my last knowledge update, you can still enjoy the benefits of cardless access and secure banking through the Bank of America Mobile Banking App. Technology is continually evolving, and banking institutions like Bank of America are likely to explore new ways to enhance their services and offer more integration options with digital wallets like Apple Pay in the future. Stay updated with the latest developments in mobile banking to make the most of these convenient features for managing your finances.