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Cardless ATMs
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What is a cardless ATM?

Cardless ATMs have a contactless reader in addition to a standard card reader. Using a contactless reader, you can begin your ATM transaction using your smartphone or other contactless device. Learn more about cardless ATMs

Where are the Bank of America cardless ATMs located?

Bank of America cardless ATMs can be found at select locations nationwide. Find a cardless ATM

What transaction types are available using my smartphone or other eligible mobile device at a cardless ATM?

We offer the ability to withdraw cash, check balances and transfer funds. Some cardless ATMs allow you to make deposits (more are being added this year).

Which digital wallets are eligible to be used at a cardless ATM?

Apple Pay®, Google Pay™, Samsung Pay and Microsoft Wallet can be used at a cardless ATM. Learn more about wallets and eligible devices

How do I add my debit card to my digital wallet on my smartphone?

If you have a phone eligible for Apple Pay®, Google Pay™ or Samsung Pay, you can add your cards right from our Mobile Banking app by going to Account Management and choosing to add a card to your phone’s wallet. Otherwise, go to our digital wallets page and select your device, then select the FAQ link for instructions on how to add your debit card to your digital wallet.

How do I use my smartphone to start my transaction at a cardless ATM?

Using your smartphone at a cardless ATM is easy. Simply follow these steps:

  1. At the ATM, select your Bank of America debit card in your digital wallet.
  2. Hold your phone over the contactless symbol on the ATM and access the card in your wallet with the touch of your finger.
  3. Enter your debit card PIN on the ATM and start your transaction.

Bank of America cardless ATMs can be found at select locations nationwide. Find a cardless ATM

If my smartphone is stolen, can someone use it to access my accounts at a cardless ATM?

We recommend that you lock your phone display with a fingerprint or PIN. Using this type of security setting for your device will help prevent unauthorized access to your phone’s contents, including access to an ATM.

If your device is lost or stolen, you can manage your debit cards in Online Banking: If you cannot locate your device, lock or delete your virtual cards by signing into Online Banking and selecting Profile & Settings then Digital Wallets & Virtual Cards Settings and follow the instructions provided.

Not an Online Banking customer? Enroll in Online Banking today

Are Bank of America credit cards eligible for cardless ATM transactions?

No, Bank of America credit cards are not currently eligible for cardless ATM transactions.

Start ATM withdrawals in the Mobile Banking app
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How do I start an ATM withdrawal in the Bank of America Mobile Banking app?

Sign in to the Bank of America Mobile Banking app, then do one of the following:

  • Select the checking or savings account from which you want to get cash and scroll to Start ATM Withdrawal
  • Select Menu then scroll to Start ATM Withdrawal in the More Features section
When I arrive at a Bank of America ATM to complete my cardless withdrawal, what do I need to do in order to pick up my cash?

You can pick up your cash at any Bank of America ATM by simply inserting your ATM/debit card at the ATM as you normally do, then answering the on-screen questions and entering your ATM/debit card PIN to complete your withdrawal.

At Bank of America cardless ATMs, select your Bank of America debit card in Apple Pay, Samsung Pay, Google Pay™ or Microsoft Wallet. Hold your mobile device over the contactless symbol on the ATM; answer the on-screen questions and enter your ATM/debit card PIN to complete your withdrawal. Digital wallet service is available at select Bank of America ATM locations nationwide. Find a cardless ATM

When picking up your cash at the ATM, make sure to use the same ATM/debit card that was selected for your ATM withdrawal in the Bank of America Mobile Banking app. If a different ATM/debit card is used at the ATM, you will not be able to complete the withdrawal you set up in the app.

Is my ATM withdrawal deducted from my account when I set it up in the Bank of America Mobile Banking app?

No. The available balance in your account is confirmed when you set up your ATM withdrawal in the Bank of America Mobile app, but no deduction is made to your account until you arrive at the ATM and we are able to confirm the available funds in your account at the time you pick up your cash. If funds are no longer sufficient to complete your withdrawal, your transaction will be declined.

How long will the withdrawal I set up in the Mobile Banking app be available for pickup at any Bank of America ATM?

You will have 24 hours to visit any Bank of America ATM to pick up your cash, otherwise your transaction will expire.

What is the maximum amount I can choose to withdraw when setting up my ATM withdrawal in the Bank of America Mobile Banking app?

You may withdraw up to $800 in a single transaction, if this amount does not exceed your available account balance or daily ATM withdrawal limit for your ATM/debit card at the time of setup and when you actually pick up the cash.

Will I receive a receipt for ATM withdrawals I set up in the Bank of America Mobile Banking app?

You may choose one of the following receipt options in the Bank of America Mobile Banking app when setting up an ATM withdrawal:

  • Email receipt only (you choose which email address will be used to send your receipt)
  • Paper receipt only
  • No receipt

Your receipt will be printed or emailed when you pick up your cash at any Bank of America ATM. If you are using the Bank of America Mobile Banking app in Spanish, your email or paper receipt will also be in Spanish.

From which accounts can I set up an ATM withdrawal using the Bank of America Mobile Banking app?

You may set up an ATM withdrawal from your checking or savings account that allows ATM access using your Bank of America ATM/debit card. Please note that savings accounts have a limit on withdrawals and transfers of 6 per monthly statement cycle (or per month if you have a quarterly statement cycle). For complete details, please refer to the Schedule of Fees for your account.

Will I be able to cancel the transaction I set up using the Bank of America Mobile Banking app?

Yes, if you choose to cancel your withdrawal, you must do so using the Bank of America Mobile Banking app. If you don’t cancel the withdrawal and you don’t pick up your cash at an ATM, your transaction will expire 24 hours after you set it up.

Can I start an ATM withdrawal using the Mobile Banking app in Spanish?

Yes, you may set up your ATM withdrawal using the Bank of America Mobile app in both English and Spanish.

Can I set up an ATM withdrawal using the Bank of America Mobile Banking app for someone else to pick up?

No. For your security, you are required to use your Bank of America ATM/debit card or digital wallet and also enter your ATM/debit card PIN when picking up your cash at a Bank of America ATM.

ATM Customer Service Options
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How do I report a problem with an ATM?

To report an ATM that is out of order or damaged, call 844.401.8500 and select option 1. Provide the ATM ID, which can be found on the ATM or on your ATM receipt.

How do I submit a claim for an erroneous ATM deposit or withdrawal?

If your card was issued by Bank of America and you received the wrong amount of cash or your deposit amount or receipt is inaccurate, call 844.401.8500 and select option 2. Please provide as much information as possible about your transaction to assist us with researching and resolving your claim. Useful information may include a description of what occurred during your transaction at the ATM, the ATM ID or location of the ATM, and the date/time and amount of your transaction.

How do I access general account servicing and information?

For general account servicing and information, call 844.401.8500 and select option 3. To help us direct your call, your card or account number will be required.

ATM Accessibility
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How do I locate the closest ATM?

To find the nearest Bank of America locations, please use our ATM and Financial Center Locator.

What is a Talking ATM?

All Bank of America ATMs are talking ATMs that deliver private, spoken instructions through a headset that plugs into an audio jack on the ATM. Created for people who are blind or visually impaired, the Talking ATM features every capability found at any of our other ATMs, so you can:

  • Make deposits
  • Withdraw cash
  • Transfer money between accounts
  • Check account balances
  • Complete other types of transactions at selected ATMs
Where can I get ear buds or head phones for Talking ATMs?

You can use your own head phones, or Bank of America will provide free-of-charge ear buds or head phones for use at our Talking ATMs. To request yours, please visit your local financial center.

How is the height of the ATM determined?

The height of the ATM is set to comply with the Americans with Disabilities Act. Bank of America strives to make ATMs accessible for individuals who have disabilities. Learn more about Accessible Banking.

ATM Features
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How do I set my screen language preference at the ATM?

You may set your screen language preference at the ATM. After you enter your PIN, select Other Transactions, Set Preferences and Language Preference. You will be able to choose one of seven languages made available at the ATM, including:

  • English
  • Spanish
  • Chinese
  • French
  • Korean
  • Portuguese
  • Russian
How do I set or change my preferences at the ATM?

You may set or change your preferences at the ATM once you enter your PIN. From the Available Transactions screen, select either Set Preferences or Additional Options in the submenu and follow the prompts to set or change your preference.

Select Set Preferences for:

  • Language preference
  • Fast cash amount
  • Receipt options
  • Audio ATM (if preference previously set)

Select Additional Options for:

  • PIN changes
  • Nearby ATM locations

How does a Deposit Image ATM read the amount on my check?

Each check contains account and routing numbers that are encoded with magnetic ink. The ATM reads the magnetic ink and then reads the amount by using Optical Character Recognition. Customers are asked to confirm the amount of every deposit. The ATM is not able to read checks printed on machines that do not use magnetic ink, such as home printers.

How do Deposit Image ATMs read the cash?

Bank of America receives images of currency from the U.S. Treasury Department. Each bill is scanned using Optical Character Recognition and verified for their authenticity.

Will the images of my checks deposited at Deposit Image ATMs be available through Online Banking?

Yes, images of deposited checks are available through Online Banking.

How many accounts can I link to my debit card or ATM card?

The number of checking, savings, credit card or line of credit accounts linked to each debit card or ATM card may depend on the type of account(s) you have. Please visit your local financial center or contact us at 800.432.1000 to determine the exact number, and to link and unlink your accounts.

ATM Email Receipts
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Which ATM transactions are eligible for email receipts?

Email receipts are available for withdrawals (including Fast Cash and withdrawals started in the Mobile Banking app), cash deposits, some check deposits, transfers and payments. For check deposit transactions, email receipts are not available if you select Receipt with Check Images; to receive an email receipt, select Receipt with Summary.

Can I have ATM receipts sent to my email address?

Yes, email receipts can be requested during eligible ATM transactions if you have at least 1 email address associated with your Bank of America profile and you’re conducting your transaction using your Bank of America consumer debit or ATM card.

If your ATM transaction is eligible for an email receipt, your options will include Email Only, Print Only or No Receipt. In order to receive an Email Only receipt, you will be required to choose an email address during your ATM transaction. After you’ve selected an email address to use for an ATM email receipt, that selected address will display on the Receipt Options screen during future transactions. You will always be able to choose another email address during your ATM transactions by selecting the Use Another Email button. For each eligible transaction, only 1 email address can be selected to receive an email receipt.

How do I validate the accuracy of my email address before choosing an email receipt option?

To protect your information, your email address will be partially hidden on the ATM screen. For example, john.doe@email.com will appear as j****e@email.com. On the Receipt Options screen, you’re given the opportunity to Show Full Email prior to selecting an email receipt option. This will allow you to validate your email address for accuracy.

What information do ATM email receipts contain?

ATM email receipts contain your name and a record of your transaction, including details such as type and dollar amount of transaction, account balances, date, time and location of transaction.

The subject of the email receipt will vary based on the type of transaction, but will include “ATM receipt” as well as the transaction type (withdrawal, deposit, transfer or payment) and the date of the transaction. Email receipts are sent from atm@receipts.bankofamerica.com.

To protect your information, ATM email receipts will never contain your full account or card numbers.

How do I add or remove email addresses presented on-screen at the ATM?

To update email addresses associated with your customer profile, sign in to the Mobile Banking app or Online Banking and select Profile & Settings to update your contact info and manage your email addresses. You may also call us or visit a financial center for assistance with updating your contact information.

If your email address requires updating, you should not request an email receipt. Instead, select Print Only or No Receipt for your current transaction. Updates made to your email addresses in Online Banking or by calling or visiting us will be reflected during future ATM transactions.

Can I view my ATM receipts in Online or Mobile Banking?

ATM receipt images are not available in the Mobile Banking app or in Online Banking. However, you can see the details of your ATM transactions on the Account Activity tab in either the mobile app or in Online or Mobile Banking.

What if I don't want to send my ATM receipts to my email account?

During your ATM transaction, simply choose either Print Receipt or No Receipt.

I don't want my email address displayed on the ATM Receipt Options screen during my transaction; how can I change my ATM receipt preferences?

To set your receipt preferences, follow these steps at any Bank of America ATM:

  1. From the Available Transactions menu, select Set Preferences.
  2. Select Receipt Preferences.
  3. Choose Fast Cash and/or All Other Transactions (withdrawals, deposits, transfers and payments).
  4. If you don't want your email address displayed on the screen (or don't want to be asked each time) set your ATM receipt preference to either Always Print or Don't Print.
  5. Confirm your preference setting.

Your receipt preference will be saved and the email receipt option will no longer appear during future ATM transactions. If your receipt preference is set to Ask Each Time, we will continue to offer you email receipt options.

Making deposits at the ATM
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When are the funds from my cash deposit made available at a Deposit Image ATM?

Cash deposits made on a business day by 8 p.m. will be available immediately except as noted on the face of the ATM. Exceptions may apply. See your Deposit Agreement and Disclosures brochure.

When are check deposits credited to my account?

Check deposits made on a business day by 8 p.m. will post on the same day except as noted on the face of the ATM. Exceptions may apply. See your Deposit Agreement and Disclosures brochure.

Can I deposit foreign checks or foreign currency into my Bank of America account at an ATM?

We do not accept foreign checks or foreign currency at the ATMs at this time. You may visit a financial center to exchange the foreign currency for U.S. Dollars, then make your deposit. For more information about depositing foreign checks, visit your local financial center.

How do I split the money from my deposit into multiple accounts?

You will need to deposit all of your funds into one of your accounts and then transfer the amounts to the other accounts. Making a transfer in Online Banking is simple and fast.

What should I do if I do not get a receipt for my deposit?

ATM receipts cannot be reprinted. Please sign in to Online Banking or contact us to review your account activity.

What are the advantages of using the ATM to make deposits?
  • The ATM saves you time by avoiding long teller lines
  • The ATM is available for customer transactions 24 hours a day, 7 days a week, 365 days a year.
  • No envelopes or deposit slips are needed
  • Cash deposits made by 8PM receive immediate credit
  • Check deposits made by 8PM on a business day post the same day. (Exceptions apply. See your Account Agreement)
Can I deposit coins at the ATM?

You may not deposit coins at the ATM. Please take coin deposits into a local financial center.

Is it possible to print a receipt without the image of the check?

Yes, you can select the option to receive a summary receipt with no image at Deposit Image ATMs.

Why doesn't the ATM accept all of my cash?

The ATM reads the images of the bills and compares them to images provided by the U.S. Treasury Department. If a bill is worn, folded or has extraneous marks on it, its image will not match the images provided by the U.S. Treasury Department and it will be rejected.

Why doesn't the ATM accept all of my checks?

The most common reason is that the account and routing number has not been encoded with magnetic ink. The ATM is not able to read checks printed on machines that do not use magnetic ink, such as home printers.

How many checks can I deposit at one time?

At our Deposit Image ATMs you can deposit up to 10 checks at a time. Directions on the ATM screen during your deposit transaction will indicate the number of checks that can be deposited at a time.

How many bills can I deposit at one time?

At our Deposit Image ATMs the number of bills you can insert can vary by machine. Directions on the ATM screen during your deposit transaction will indicate the number of bills that can be inserted at a time.

Making transfers and withdrawals at the ATM
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What is the maximum amount of money I can withdraw from an ATM?

A maximum of 40 bills can be dispensed at one time from the ATM. There may also be limits based on account type and availability of funds. All 3 factors are considered when determining how much cash can be withdrawn from an ATM.

How do I increase or decrease the amount I can withdraw at an ATM?

You may increase or decrease the limit you can withdraw at an ATM in the following ways:

What is the difference between Fast Cash and withdrawal?

Fast Cash enables you to designate an amount that you consistently withdraw from your primary checking account. Once you enter your PIN and select Fast Cash you will receive the amount previously designated. This saves you time if you frequently withdraw the same amount.

Withdrawal allows you to enter the specific amount of funds you choose to remove from your account.

How do I set/change my Fast Cash amount preference?

You may set or change your Fast Cash amount preference at the ATM after entering your PIN. From the Available Transactions screen, select Set Preferences, then Fast Cash Preference and designate the amount you want to assign to Fast Cash.

How do I transfer funds at an ATM?

Accounts must be linked to your debit card or ATM card in order to make transfers between accounts at the ATM. Select Transfers & Payments from the Available Transactions screen and follow the screen prompts.

Making bill payments at the ATM
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Why can't I pay my Bank of America mortgage at the Deposit Image ATMs?

This feature is no longer available at the ATM, but you still have several options for making payments to your Bank of America mortgage:

How do I pay my credit card at the ATM?

You can make Bank of America credit card payments at our ATMs with only your Bank of America credit card and your check or cash. Simply visit your local Bank of America ATM, insert your credit card and select Make a Payment. Please note that business credit cards are not supported at this time.

If your credit card is linked to your debit card or ATM card, you can make a credit card payment at the ATM using the Transfers & Payments option.

If your credit card is not linked to your ATM or debit card, visit a financial center or contact us to link your credit card to your ATM or debit card.

Funds Availability
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What determines when my funds will be made available?

Banks are governed by federal regulations surrounding the availability of funds, and Bank of America makes every effort possible to make funds available as quickly as possible to our customers. Bank of America’s policy looks at different criteria, such as type of deposit, deposit amount and customer relationship.

What types of deposits will be made available on the same day?

The following types of deposited funds receive same day availability, including interstate deposits:

  • Cash
  • ACH (direct debit)
  • Wires

Cut-off times apply for covering items during nightly processing.

What types of deposits will be made available on the next day?

The following types of deposited funds must generally be made available on the first business day following the banking day of deposit:

  • Cashier's checks
  • Certified checks
  • Federal Reserve Bank checks
  • Federal Home Loan Bank checks
  • Official checks
  • Checks drawn on Bank of America
  • State or local government checks (if deposited in issuing state)
  • Teller checks
  • Travelers checks (new accounts only)
  • Up to $200 of aggregate deposit of local and non-local checks not already subject to next day availability
  • U.S. Postal Service money orders
  • U.S. Treasury checks

Note: Private money orders such as those available at convenience stores and other non-bank outlets are subject to the same holds as checks or drafts.

Using your ATM card or debit card at an international ATM
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How can I help avoid problems if I plan to use my ATM or debit card while traveling domestically or internationally?

To help prevent an interruption in credit card or debit card access when you travel domestically or internationally, we recommend that you set a travel notice on the card(s) you plan to use while traveling. Sign in to Online Banking or the Mobile Banking App to enter your trip details.

Is it possible to increase the limit on my ATM or debit card prior to my trip?

You may request an increase or decrease in the amount you can withdraw at an ATM in the following ways:

How is cash dispensed from ATMs in foreign countries?

Cash in foreign countries is dispensed in the local currency and debited from your account in dollars.

What happens if I am unable to use my debit card or ATM card at an international ATM?

If you are unable to use a foreign ATM, you may be able to use your debit card or ATM card to withdraw funds at a local bank.

Will I get a better exchange rate using my debit card or ATM card?

Debit cards may give you a better exchange rate than you’ll receive at currency exchange bureaus.

What is the Global ATM Alliance?

Bank of America is a member of the Global ATM Alliance, a group of financial institutions that has created the world's first international ATM alliance.

Use your Bank of America ATM or debit card within the Global ATM Alliance to avoid the non-Bank of America usage fee for each withdrawal, transfer or balance inquiry, as well as the ATM operator access fee. An international transaction fee of 3% will apply when converting your currency. Only ATMs in the countries listed below are considered part of the Global ATM Alliance.

Global ATM Alliance PartnersCoverage Area
Barclays layerUnited Kingdom: England, Northern Ireland, Scotland, Wales, Jersey, Guernsey and the Channel Islands
BNP Paribas layerFrance
BNL D'Italia layerItaly
UkrSibbank layerUkraine
TEB layerTurkey
Deutsche Bank layerGermany and Spain
Scotiabank layerCanada, Mexico, Peru, Chile and the Caribbean including: Anguilla, Antigua & Barbuda, The Bahamas, Barbados, British Virgin Islands, Cayman Islands, Dominica, Dominican Republic, Grenada, Jamaica, Saint Maarten, Puerto Rico, Saint Kitts & Nevis, Saint Lucia, Saint Vincent & the Grenadines, Trinidad & Tobago, Turks & Caicos Islands and U.S. Virgin Islands
Westpac Bank layerAustralia and New Zealand

Note: Participation in this program is subject to change, please review participating Financial Institutions prior to travelling internationally and using International Partner ATMs.

In addition, Bank of America has a special partnerships with a bank in China where you can avoid the non-Bank of America usage fee for each withdrawal, transfer or balance inquiry, as well as the ATM operator access fee. An international transaction fee of 3% will apply when converting your currency.

Additional PartnersCoverage Area
China Construction Bank layerMainland China, excluding Hong Kong

Note: Participation in this program is subject to change, please review participating Financial Institutions prior to travelling internationally and using International Partner ATMs.

How do I calculate the exchange rate for a foreign currency?

Bank of America provides exchange rates for foreign currency online.

Why should I get foreign currency before I travel?

Many travelers find it necessary to have local currency immediately upon arrival for tips, taxis and other miscellaneous expenditures. It’s a good idea to have some cash in foreign currency on hand for immediate expenses. Some airports and train stations do not have foreign exchange offices; if they do, they may have limited hours of operation and may charge high rates for the exchange.

How can I buy foreign currency?

Our foreign currency exchange page includes complete details about ordering foreign currency online or at a banking center.

What do I do with unused foreign currency travelers checks?

Unused foreign currency travelers checks can be exchanged at a financial center.

Where can I find out information about the safety of traveling to a foreign country?

The U.S. State Department provides country-specific information layer including travel warnings, restrictions and public announcements issued by the U.S. government to its citizens.

What are some tips for using an ATM in foreign countries?
  • Check the network: You can use your Bank of America debit card or ATM card anywhere you see the CIRRUS symbol. In addition to CIRRUS, you can use ATMs with the MasterCard or Visa symbols. The symbol on the front of your card will indicate if your card is MasterCard or Visa.
    • To find the nearest MasterCard/CIRRUS ATM, please visit http://www.mastercard.com/atm
    • To Find the nearest Visa ATM, please visit http://www.visa.com/atmlocator/index.jsp
  • Understand the types of fees charged: The non-Bank of America ATM usage fee is $5. This fee is assessed for each withdrawal, transfer or balance inquiry performed at a non-Bank of America ATM in a foreign country. In addition, the ATM operator may charge an access fee for cash withdrawals. Your deposit account statement will reflect the U.S. dollar equivalent of your foreign ATM withdrawal. Bank of America will assess an international transaction fee of 3% of the U.S. dollar amount for all ATM withdrawals processed in foreign currency. International ATM operators may offer to do your currency conversion for you, but they may charge a higher fee for conversion. To insure that your currency conversion does not incur a fee higher than the one stated above, you may refuse the ATM operator's offer to convert the amount of the transaction. The fee is assessed as a separate transaction fee on the posting date of the withdrawal.

    You can avoid the non-Bank of America ATM usage fee and ATM operator access fee by using one of our international partner ATMs in the corresponding countries listed below:
    Global ATM Alliance PartnersCoverage Area
    BarclaysUnited Kingdom: England, Northern Ireland, Scotland, Wales, Jersey, Guernsey and the Channel Islands
    BNP ParibasFrance
    BNL D'ItaliaItaly
    UkrSibbankUkraine
    TEBTurkey
    Deutsche BankGermany and Spain
    ScotiabankCanada, Mexico, Peru, Chile and the Caribbean including: Anguilla, Antigua & Barbuda, The Bahamas, Barbados, British Virgin Islands, Cayman Islands, Dominica, Dominican Republic, Grenada, Jamaica, Saint Maarten, Puerto Rico, Saint Kitts & Nevis, Saint Lucia, Saint Vincent & the Grenadines, Trinidad & Tobago, Turks & Caicos Islands and U.S. Virgin Islands
    Westpac BankAustralia and New Zealand
    China ConstructionChina

    Note: Participation in this program is subject to change, please review participating Financial Institutions prior to travelling internationally and using International Partner ATMs.

  • Check your PIN: Most international ATM operators support up to 12-digit PINs. However, some operators only support 4-digit PINs. Also, be sure your PIN does not start with a zero. To change your PIN, insert your ATM or debit card in to a Bank of America ATM, enter their current PIN, select More Options, select Change PIN and follow the screen prompts. Be sure to know your PIN by numbers, as some ATMs outside the United States don't have letters on the keyboards.
  • International ATM operators: Some international ATM operators have limited functionality and may not offer access to your savings account or offer transfers and inquiries. All ATM operators will provide withdrawal access to your primary checking account. Some international ATMs are only available during normal business hours. Some (but not all) international ATMs offer instruction in English.
  • Have a backup plan: While traveling overseas, systems used by international banks occasionally may go down, so there may be a possibility you will not be able to use your card when you need to use an ATM or make a purchase. In addition to using your debit card or ATM card, you should consider taking foreign currency. Please visit the foreign currency area of our website to explore these options.
Security & Fraud Prevention for debit cards and ATM cards
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What is Photo Security and is it available on debit cards and ATM cards?

Photo Security is an optional feature that places your photo on the front of your Bank of America personal or small business debit card and that can help prevent fraud if your card is lost or stolen. Plus, you may be able to use your Photo Security® card as an additional form of ID. Photo Security debit cards are available for any checking account customer, including non-resident or resident aliens without a Social Security number or taxpayer ID number.

Photo Security is not available on ATM cards, small business employee debit cards or small business deposit-only cards.

How do I request a debit card with the photo security feature?

To add a photo to your debit card, simply visit a financial center. We'll take your picture and your photo-enhanced debit card will be mailed to you. (In some cases, a replacement fee may apply. Please refer to your Personal Schedule of Fees or Business Schedule of Fees for more details.)

What is a chip card?

A chip card is a standard-size plastic debit card that contains an embedded microchip as well as the traditional magnetic stripe. The chip encrypts information to help increase data security when making transactions at terminals or ATMs that are chip enabled. More about chip cards

Will my chip debit card work at all ATMs?

Yes, your card will work at both a chip-enabled ATMs and at ATMs where only magnetic stripe transactions are accepted.

  1. Insert your card face-up in the ATM to begin your transaction.
  2. Follow the on-screen instructions. Chip-enabled ATMs will hold your card during the transaction.
  3. Always remember to take your card when prompted.
Do transactions work the same for chip-enabled ATMs and ATMs where only magnetic stripe transactions are accepted?

No, there may be differences. Once you insert your card, the easy on-screen instructions will guide you through the transaction process.

  • Chip-enabled ATMs: Insert your card (you may be prompted to remove and reinsert your card). The ATM will hold your card during the transaction. Simply follow the on-screen instructions to complete your transaction and remember to take your card when your transaction is complete. If you need to conduct more than one transaction, you will need to reinsert your card and enter your PIN again as a security measure.
  • Non-chip-enabled ATMs: A chip card still has a magnetic stripe on the back, so if the ATM is not yet chip-enabled, your transaction will be processed as it is today.
What are some safety tips for using an ATM card or debit card?
  • Treat your card like cash and keep it in a safe place
  • Keep your personal identification number (PIN) a secret
  • Do not disclose card information over the phone to anyone. No one needs to know your PIN, not even your financial institution.
  • Never disclose information about your card in response to an unsolicited email or request
  • If you use your debit card for purchases, make certain your internet shopping sites are secure
  • Protect your card by not exposing it to magnetic objects
  • Report a lost or stolen card immediately
  • Carefully review your account statements and report any fraudulent transactions immediately
How do I use an ATM safely?
  • Always pay close attention to the ATM and your surroundings. Make sure you use an ATM in a public, well-lit location.
  • Maintain an awareness of your surroundings throughout the entire transaction
  • Be wary of people trying to help you with ATM transactions. Bank representatives will have identification.
  • Shield the keypad with your hand when entering your PIN
  • Be aware of anyone sitting in a parked car nearby
  • Pay attention when leaving an ATM to make sure you are not being followed. If you are, drive immediately to a police or fire station, or to a crowded, well-lit location or business.
  • Do not use an ATM that appears unusual looking or offers unfamiliar options
  • Do not allow people to look over your shoulder as you enter your PIN. Memorize your PIN; never write it on the back of your card.
  • Do not re-enter your PIN if the ATM keeps your card. Contact a bank official.
  • Do not wear expensive jewelry or take other valuables to the ATM
  • Never count cash at the machine or in public. Wait until you are in the safety of your car or another secure place.
  • When using a drive-up ATM, keep your engine running, your doors locked and leave enough room to maneuver between your car and the one ahead of you in the drive-up line
  • Deposit Image ATMs reduce the paperwork required prior to your arrival at the ATM. This will minimize the amount of time spent at the machine.
  • Make sure you retain your transaction receipt, if you chose to receive a printed receipt. Do not throw the receipt away at the ATM site.
  • Always remember to take your card with you after completing your transaction
  • Closely monitor your bank statements, as well as your balances, and immediately report any problems to your bank
  • If you are involved in a confrontation and the attacker is armed and demands your money or valuables, give it to them. Do not resist. Your property may be recovered later or replaced.
ATM Fees
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What are the fees for using a non-Bank of America ATM?

Withdrawals, transfers and balance inquiries from ATMs at other financial institutions in the United States may be assessed a fee. You may also be charged a fee by the ATM operator or any network used. You may be charged a fee for a balance inquiry even if you do not complete a funds transfer. Other account fees may apply to the transaction such as an excess withdrawal fee for savings. View our checking accounts for details. Please refer to the Personal Schedule of Fees for additional information.

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