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FAQs: ATMs and ATM Fees

ATM Customer Service Options

ATM Accessibility

ATM Features

ATM Email Receipts

  • ShowWhich ATM transactions are eligible for email receipts?

    Email receipts are available for withdrawals (including Fast Cash), 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.

  • ShowCan I have ATM receipts sent to my email address?

    Yes, ATM 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, Print & Email or No Receipt. In order to receive an Email Only or Print & Email receipt type, you will be required to choose an email address during your ATM transaction for receipt delivery.

    After you have 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.

  • ShowHow 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.

  • ShowWhat 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.

  • ShowHow 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 Online Banking and select the Update Profile link displayed on the Accounts Overview page. On the Your Contact Info page, you’ll be able to add, remove or edit 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.

  • ShowCan I view my ATM receipts in Online or Mobile Banking?

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

  • ShowWhat 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.

  • ShowI 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

Making transfers and withdrawals at the ATM

Making bill payments at the ATM

Funds Availability

  • ShowWhat 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.

  • ShowWhat 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.

  • ShowWhat 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

  • ShowHow can I help avoid problems if I plan to use my ATM 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. There are 2 ways to do this:

    • Sign in to Online Banking and enter your trip details
    • Call 800.432.1000 (Mon.-Fri. 7 a.m.-10 p.m. or Sat.-Sun. 8 a.m.-5 p.m., excluding holidays)
  • ShowIs 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:

  • ShowHow 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.

  • ShowWhat 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.

  • ShowWill 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.

  • ShowWhat 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,footnote1 as well as the ATM operator access fee. An international transaction fee of 3% will apply when converting your currency.footnote2 Only ATMs in the countries listed below are considered part of the Global ATM Alliance.

    Global ATM Alliance PartnersCoverage Area
    Barclays United Kingdom: England, Northern Ireland, Scotland, Wales, Jersey, Guernsey and the Channel Islands
    ABSA South Africa
    BNP Paribas France
    BNL D'Italia Italy
    UkrSibbank Ukraine
    TEB Turkey
    Deutsche Bank Germany and Spain
    Scotiabank Canada, 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

    Australia and New Zealand

    In addition, Bank of America has 2 special partnerships with banks in Mexico and China where you can avoid the non-Bank of America usage fee for each withdrawal, transfer or balance inquiryfootnote1, as well as the ATM operator access fee. An international transaction fee of 3% will apply when converting your currency.footnote2

    Additional PartnersCoverage Area
    China Construction Bank Mainland China, excluding Hong Kong
    Banco Santander Mexico

    Note: Beginning August 15, 2016, if you use a Banco Santander ATM in Mexico for a withdrawal, transfer or balance inquiry, our Non-Bank of America International ATM usage fee of $5 and the Santander ATM operator access fee will no longer be waived.

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

  • ShowHow do I calculate the exchange rate for a foreign currency?

    Bank of America provides exchange rates for foreign currency online.

  • ShowWhy 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.

  • ShowHow can I buy foreign currency?

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

  • ShowWhat do I do with unused foreign currency travelers checks?

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

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

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

  • ShowWhat 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
      Barclays England, Northern Ireland, Scotland, Wales, Jersey, Guernsey and the Channel Islands
      ABSA South Africa
      BNP Paribas France
      BNL D'Italia Italy
      UkrSibbank Ukraine
      TEB Turkey
      Deutsche Bank Germany and Spain
      Scotiabank Canada, Peru, Chile and the Caribbean including: Anguilla, Antigua & Barbuda, The Bahamas, Barbados, British Virgin Islands, Cayman Islands, Dominica, Dominican Republic, Grenada, Jamaica, Mexico, 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

      Australia and New Zealand

      China Construction

      China

      Santander

      Mexico

    • 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

  • ShowWhat 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.

  • ShowHow 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.)

  • ShowWhat 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

  • ShowWill 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.
  • ShowDo 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 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 (as a security measure) need to reinsert your card and enter your PIN again. 
    • 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.
  • ShowWhat 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
  • ShowHow 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

  • ShowWhat 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.