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Deposits

FAQs: ATMs and ATM Fees

ATM Accessibility

ATM Features

ATM Email Receipts

  • Hide How can I choose to have my ATM receipts sent to my email account?

    If you are an Online Banking customer and receive Online Banking Alerts, you can choose to have many of your 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. (Please note that some transaction types may not be eligible for ATM email receipts. If you're making one of these types of transactions at an ATM, you will not be offered the opportunity to receive an email receipt.)

    If your ATM transaction is eligible for an email receipt, your receipt 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.

    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 and choose the Manage alerts link from the dropdown menu on the Help & Support tab. Choose Edit in the Send alerts to box, which will take you to the Customer Contact Settings page where you can select the Change primary email address link.

  • Show What will my ATM email receipt look like?

    The subject of the email will be: Bank of America Alert: Your ATM Transaction. Your ATM email receipts will look similar to other Online Banking Account Alerts you may currently receive.

  • 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 onscreen at the time of your ATM transaction

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

    To change your primary email address, sign in to Online Banking and choose the Manage alerts link from the dropdown menu on the Help & Support tab. Choose Edit in the Send alerts to box, which will take you to the Customer Contact Settings page where you can select the Change primary email address link.

  • Show Where can I view my ATM email receipts in Online Banking?

    You can view your ATM email receipts on your Alert History page in Online Banking by choosing the Manage alerts link from the dropdown menu on the Help & Support tab, then selecting the Alert History link at the top of the page. Alerts we've sent you over the past 60 days will be listed on your Alert History page.

  • Show I didn't receive my ATM receipt in my email. How can I view my receipt?

    You can view your ATM email receipts on your Alert History page in Online Banking by choosing the Manage alerts link from the dropdown menu on the Help & Support tab, then selecting the Alert History link at the top of the page. Alerts we've sent you over the past 60 days will be listed on your Alert History page.

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

    If your ATM receipt preference is set to Ask Each Time, you'll be presented with several receipt options each time you perform an eligible ATM transaction. These include Email Only, Print Only, Print & Email and No Receipt. If you don't want your receipt emailed to the primary email address displayed on the screen, choose 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 $100 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 in foreign countries

  • Hide How can I avoid problems if I plan to travel internationally and use my ATM card or debit card?

    To help prevent an interruption in ATM or debit card access, it's necessary to set a travel notice on the cards you plan to use while traveling. To set a travel notice, sign in to online banking and go to the Help & Support page, select the Checking & Savings accounts topic and then select Use your card while traveling link and enter your trip details. You may also call 1.800.432.1000.

    For your protection, we will continue to monitor card activity even when a travel notice is set. If you encounter any issues while traveling, please contact us toll-free at 1.877.833.5617 or internationally by calling collect at 1.602.597.2395.

    More information on using your card internationally.

  • Show Can I use my debit card or ATM card in a foreign country?

    Yes, ATMs are available worldwide. The two largest networks are the MasterCard/Cirrus and Visa/Plus which have millions of ATMs worldwide in more than 100 countries. Remember these important considerations when using foreign ATMs:

    • Some foreign ATMs are only available during normal business hours
    • Some foreign ATMs, but not all, offer instruction in English
    • Some foreign ATMs do not accept PINs longer than 4 digits. To change your PIN prior to traveling internationally, insert your ATM or debit card in to a Bank of America ATM, enter your current PIN, select More Options, select Change PIN and follow the screen prompts
  • Show What accounts can I access when using a foreign ATM?

    Most foreign ATMs will ONLY give you access to your primary checking account.

  • Show Is it possible to increase the limit on my ATM card prior to my trip?

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

    • Sign in to Online Banking, go to the Information & Services tab for your account and select Activate your card & set spending limits.
    • Call 1.800.432.1000
    • Visit a banking center
  • 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 a foreign 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 debit card or ATM card within the Global ATM Alliance in the countries shown with no ATM operator fees or Non-Bank of America International ATM Fees. An international transaction fee of 3% may apply when converting your currency. Some ATMs may be located in countries other than the country listed in the coverage area. Only ATMs in the country listed are considered part of the Global ATM Alliance.

     

    Global ATM Alliance PartnersCoverage Area
    BarclaysUnited Kingdom: England, Northern Ireland, Scotland, Wales, Jersey, Guernsey and the Channel Islands
    BNP ParibasFrance
    BNLItaly
    UkrSibbankUkraine
    Deutsche BankGermany
    ScotiabankCanada, Peru, Chile and the Caribbean including: Anguilla, Antigua & Barbuda, The Bahamas, Barbados, British Virgin Islands, Cayman Islands, Dominica, Dominican Republic, Grenada, Jamaica, Sint Maarten, Puerto Rico, Saint Kitts & Nevis, Saint Lucia, Saint Vincent & the Grenadines, Trinidad & Tobago, Turks & Caicos Islands, U.S. Virgin Islands
    Westpac Bank

    Australia and New Zealand

    In addition, Bank of America has arranged for you to use your debit or ATM cards in China at China Construction Bank ATMs (China Construction Bank ATMs in Hong Kong are not included) and in Mexico at Banco Santander with no ATM Operator Fees or Non-Bank of America International ATM fees. An international transaction fee of 3% may apply when converting your currency.

  • Show What are the fees for using a debit card or ATM card in a foreign country?

    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 US dollar amount for all ATM withdrawals processed in foreign currency. Foreign 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:

    • Barclays (England, Northern Ireland, Scotland, Wales, Jersey, Guernsey and the Channel Islands)
    • BNP Paribas (France)
    • BNL D’Italia (Italy)
    • UkrSibbank (Ukraine)
    • Deutsche Bank (Germany)
    • Scotia Bank (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, U.S. Virgin Islands)
    • Westpac Bank (Australia and New Zealand)
    • China Construction Bank (Mainland China)
    • 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 leave?

    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 and 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?

    Bank of America customers can order foreign currency foreign currency ordering online or by foreign currency over phone.

  • 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 US dollar amount for all ATM withdrawals processed in foreign currency. Foreign 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:

      • Barclays (England, Northern Ireland, Scotland, Wales, Jersey, Guernsey and the Channel Islands)
      • BNP Paribas (France)
      • BNL D’Italia (Italy)
      • UkrSibbank (Ukraine)
      • Deutsche Bank (Germany)
      • Scotia Bank (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, U.S. Virgin Islands)
      • Westpac Bank (Australia and New Zealand)
      • China Construction Bank (Mainland 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.
    • 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 www.bankofamerica.com/foreigncurrency/ 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 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 do automated banking 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.
    • 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 eats 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

Problems using an ATM