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Deposits

FAQs: ATMs and ATM Fees

ATM Accessibility

ATM Features

ATM Email Receipts

  • Hide Can I have ATM receipts sent to my email account?

    Yes. If you use Online Banking, you can have ATM receipts delivered to the primary email address in your Online Banking profile. An ATM email receipt can only be requested during an ATM transaction. (Some ATM transaction types may not be eligible for email receipts. In these instances, you will not be offered the opportunity to receive an email receipt.)

    If your ATM transaction is eligible for an email receipt, your options will include Email Only, Print Only, Email & Print and No Receipt. The primary email address from your Online Banking profile will appear on the Receipt Options ATM screen so you can confirm the accuracy of your email address before choosing to receive an email receipt.

    To protect your private 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 will be given the opportunity to Show full email address prior to selecting an email receipt option. This will allow you to validate the email address in its entirety for accuracy. Once you have validated your email address, you may elect to Hide full email address prior to continuing your transaction.

    If your Online Banking primary email address has been disabled for any reason, you won’t be presented with email receipt options during your ATM transactions until you update your primary email address. To do so, sign in to Online Banking.

    If you do not see your desired email address at the ATM after updating your primary email address in Online Banking, please contact us for assistance.

  • Show What will my ATM email receipt look like?

    The subject of the email will be: Bank of America Alert: ATM Transaction. Your ATM email receipts will look similar to other Online Banking Account Alerts you may currently receive and will contain your name and a record of your ATM transaction, including applicable details such as type of transaction, dollar amount of transaction, account balances and the date, time and location of your transaction.

    To protect your private information, ATM email receipts will never contain your full account or card numbers. For example, the card number used to conduct the ATM transaction will be partially hidden on the ATM email receipt: Card number: XXXXXXXX2236.

  • Show How do I change my email address for ATM email receipts delivery?

    ATM email receipts will be delivered to the primary email address of the Online Banking account linked to the ATM card or debit card used to conduct the transaction. If your transaction is eligible for email receipts, your primary email address and receipt options will be displayed on the ATM screen at the time of your transaction.

    If your email address requires updating, you should not request an email receipt. Instead,select Print Only for your current ATM receipt, then sign in to Online Banking to update your primary email address.

    If you do not see your desired email address at the ATM after updating your primary email address in Online Banking, please contact us for assistance.

  • Show Can I see my ATM receipts in Online Banking?

    Yes. Sign in to Online Banking and choose the Manage Alerts link on the Help & Support tab, then select the Alert History link at the top of the page. You’ll be able to view Alerts from the last 60 days.

  • Show 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.

  • Show 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 honored and the email receipt option will no longer appear onscreen during future ATM transactions. 

    Note: If your receipt preference is set to Ask Each Time, we will continue to offer you email receipt options and display your primary email address for verification.

Making deposits at the ATM

Making transfers and withdrawals at the ATM

Making bill payments at the ATM

Funds Availability

  • Hide 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.

  • Show 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.

  • Show 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 cheques (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

  • Hide How 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)
  • Show 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:

  • Show 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.

  • Show 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.

  • Show 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.

  • Show 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,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, 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

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

    Bank of America provides exchange rates for foreign currency online.

  • Show 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.

  • Show How can I buy foreign currency?

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

  • Show What do I do with unused foreign currency travelers cheques?

    Unused foreign currency travelers cheques can be exchanged at a banking center.

  • Show Where 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.

  • Show 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
    • 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

  • Hide What is Photo Security and is it available on debit cards and ATM cards?

    Photo Security is an optional feature providing added security to Bank of America debit cards. The customer’s own photo is permanently placed on the front to assure the cardholder’s identity.
    Photo Security debit cards are available for any checking account customer, including non-resident or resident aliens without a Social Security Number or Taxpayer Identification Number.
    Photo Security is not available on ATM cards, which rely on a Personal Identification Number or PIN so a photo is not necessary.  Photo Security is available with Bank of America Visa Signature®, Bank of America Platinum Plus® Visa®, Bank of America Gold Visa, and select WorldPoints® Visa credit cards.

  • Show What is a chip card?

    A chip card is a standard-size plastic debit or ATM card that contains an embedded microchip in addition to a magnetic stripe. The chip encrypts information to help increase data security when making transactions at a chip-enabled terminal or ATM, and the data stored on the chip is more difficult to counterfeit. More about chip cards

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

    To request a new debit card with the photo security feature, please visit a local banking center. A replacement fee may apply. Please refer to your Personal Schedule of Fees for more details.

  • Show How do I replace my existing debit card with one that has the photo security feature?

    To replace your existing debit card with one that has the photo security feature, please visit a local banking center. Fees apply; please see your Personal Schedule of Fees for additional details.

  • Show 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's magnetic strip. Do not expose your card's magnetic strip to magnetic objects.
    • Report a lost or stolen card immediately.
    • Carefully review your account statements and report any fraudulent transactions immediately.
  • Show 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. Do not throw the receipt away at the ATM site.
    • 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

  • Hide 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.

Problems using an ATM