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Getting cash at an ATM
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What is the maximum amount of money I can withdraw at an ATM?
The amount you can withdraw from an ATM is based on several factors, including limits that are set based on your card or account type, availability of funds in your account at the time the withdrawal is requested and in some cases the amount the ATM is capable of dispensing.
How do I set a Cash Preference?
Setting a Cash Preference enables you to set a preference for a specific dollar amount you commonly withdraw. Once you’ve set a Cash Preference amount, this preferred amount will appear on the PIN entry screen and also on “How much cash do you want?” during a Get cash withdrawal selected from the ATM’s main menu. Simply enter your PIN and then tap your preferred amount to speed up your withdrawal. In some cases, the maximum Cash Preference amount that can be set may be lower than your ATM daily withdrawal limit. To change your preferred Cash Preference amount at any time, visit a Bank of America ATM and start your transaction as you normally would. Select View more from the main menu, Manage preferences, then Cash preference, See how to set your ATM preferences
You will also be presented with additional withdrawal amount options on the PIN entry screen. You can quickly select one of the offered options, rather than going to the ATM’s main menu to complete your withdrawal. If you need to withdraw money from an account other than the primary checking account assigned to your debit card, follow the Get cash prompts on the ATM’s main menu.
What denominations are available at Bank of America ATMs?
When getting cash at a Bank of America ATM, you will have the ability to choose what bill types you would like for your withdrawal. Most of our ATMs have $10s, $20s or $100s available for selection, but sometimes there are exceptions. If there is more than one denomination to choose from at the time of your withdrawal, you will have the opportunity to select it in all of the same bill type (for example, in all $10s), choose a custom selection, or allow the ATM to pick for you.
How do I use the Mobile Banking app to get cash at a Bank of America ATM?
Setting up ATM withdrawals through our Mobile Banking app is easy—and can save you time when you’re on the go. Here’s how:
- Log in to our Mobile Banking app and select the checking or savings account from which you would like to get cash.Personal Schedule of Fees for additional information.” href=”#ftn_atmWithdrawalFromCheckingOrSavings_content”>
- Scroll to the ATM section and select GET CASH.
- When asked “How much cash do you want?,” simply select a pre-filled dollar amount or enter an Other Amount. (Dollar amounts lower than the account’s available balance and/or the card’s daily ATM withdrawal limit will be available for selection in increments of $20.)
- Select your preferred receipt type: Email Receipt, Paper Receipt or No Receipt.
Please note:
- If cash is not picked up within 24 hours the Mobile Banking app setup for your ATM withdrawal will expire.
- Setting up your withdrawal in the Mobile Banking app doesn’t deduct or hold funds in your account. Funds are debited from your account when you complete your withdrawal at any Bank of America ATM.
- The available balance in your account is confirmed during setup, but if funds are no longer sufficient to complete your withdrawal at the time of pickup your transaction may be declined.
- You don’t need to be logged in to the Mobile Banking app in order to pick up your cash.
- Once you arrive at a Bank of America ATM, insert your card into the card reader (the same card you selected when setting your withdrawal up in the app), tap your contactless card on the contactless reader or hold your mobile device’s digital wallet over the contactless reader. Follow the ATM on-screen prompts to enter your debit card PIN and pick up your cash. Please note that if you’re using a digital wallet, you must have your debit card selected. See how to use your digital wallet at the ATM
Making transfers and credit card payments at an ATM
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How do I transfer money at an ATM?
You can transfer money between your Bank of America accounts once you have linked these accounts to your ATM/debit card for ATM access. Visit your local financial center or contact customer service for assistance linking or unlinking your accounts.
Once accounts are linked, select Make transfer from the ATM main menu, and then simply select the account from which you want to transfer money and the account into which you want the money to go. Next, enter the dollar amount of the transfer. There may be charges or fees associated with certain types of transfers, so be sure to review all disclosures presented on the ATM screens before continuing with your transfer.
How do I make a payment to my credit card or home equity line of credit at the ATM?
You can make Bank of America credit card payments at our ATMs with only your Bank of America credit card, using a check or cash. Simply visit your local Bank of America ATM, insert your credit card and select Make a Payment. Please note that payments to business credit cards are not supported at this time.
If your credit card or home equity line of credit account is linked to your ATM/debit card, you can also make a payment at the ATM using the Make Transfers option. Simply select a checking or savings account as the Transfer FROM account and your credit card or home equity line of credit account as the Transfer TO account.
Customizing your ATM experience
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How do I set my ATM preferences?
To customize your ATM experience, visit any Bank of America ATM and start your transaction as you normally would. Select View more from the main menu, then Manage preferences. You’ll be able to customize your ATM experience in the following ways:
Cash preference amount is an amount that appears on the PIN entry screen and also on “How much cash do you want?” during a Get cash withdrawal selected from the ATM’s main menu. Setting a Cash preference amount helps to speed up your withdrawal if you commonly withdraw a preferred dollar amount.
Receipt preference allows you to select one of the following options, which applies to all transactions:
- No preference, always ask (choose this option if you prefer receiving your receipt via email)
- Always print
- No receipt
Language preference allows you to select one of the following languages which applies to your entire ATM experience:
- English (US)
- Spanish (US)
- Traditional Chinese (Taiwan)
- French (Canada)
- Korean
- Portuguese (Brazil)
- Russian
Audio screen display provides you with the option to either blank or display your screens during your voice-guided transactions if you’re using earbuds or headphones at our Audio ATMs. Learn more about Accessible Banking
Can I change my PIN at the ATM?
Yes. Simply start your transaction as you normally would, select View more from the main menu and then Change PIN. You must correctly enter your current PIN before you can create a new PIN.
Getting email receipts at an ATM
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Can I have ATM receipts sent to my email?
Yes, email receipts can be requested during eligible ATM transactions if you have at least one email address saved as part of your Mobile or Online Banking contact information and you’re conducting a transaction using your Bank of America consumer debit/ATM card.
Email receipts are available for withdrawals (including Fast Cash and withdrawals started in the Mobile Banking app), cash deposits, some check deposits and transfers. If you want a receipt with check images for your check deposits, you must choose a printed receipt. To protect your information, ATM email receipts do not contain your full account or card numbers.
How do I validate the accuracy of my email address before choosing to receive an ATM email receipt?
To help protect your information, your email address will be partially hidden on the ATM screen. For example, [email protected] will appear as j****[email protected]. On the Receipt Options screen, you’re given the opportunity to Show your full email address prior to selecting an email receipt. This will allow you to validate your email address.
If you have more than one email address associated with your bank accounts, you’re able to choose another email address during your ATM transaction by selecting Change on the Receipt Options screen. For each eligible transaction, only one email address can be selected to receive an email receipt.
How do I add or remove email addresses presented at the ATM?
To update your contact information and manage the email addresses associated with your bank accounts, log in to Online Banking or the Mobile Banking app and select Profile & Settings. You may also contact customer service 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 or No Receipt. Updates made to your email addresses in the Mobile Banking app, in Online Banking or by calling or visiting us will be reflected during future ATM transactions.
Using contactless ATMs
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How do I use my digital debit card in my digital wallet at a Bank of America ATM?
All Bank of America ATMs have a contactless reader in addition to a standard card reader. Using the contactless reader, Bank of America debit cardholders can begin ATM transactions using a smartphone or other contactless device by following these steps:
- Select your Bank of America digital debit card in your digital wallet. (Bank of America digital credit cards are not currently eligible for digital wallet ATM transactions.)
- Hold your phone, or other contactless device, over the contactless symbol on the ATM to access the digital debit card in your digital wallet.
- When prompted, enter your debit card PIN using the ATM keypad and start your transaction. Learn more about digital wallets
Troubleshooting ATM issues
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How do I submit a claim for an incorrect ATM deposit or withdrawal?
If your card was issued by Bank of America and you received the incorrect amount of cash or your deposit amount and/or receipt information 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.
If your card was not issued by Bank of America and you received the incorrect amount of cash, contact the company who issued your card for assistance.
What if the ATM doesn’t return my card or I leave my card in the ATM?
If the ATM is located at a full-service financial center, call the financial center directly and an associate will be able to help you. If the ATM is not located at a full-service financial center and your card was issued by Bank of America, the options for requesting a replacement card are:
- Visit a local financial center
- Request a replacement card by phone
- Request a replacement card online
- Report a lost card in the mobile app:
- Log in to the Mobile Banking app
- Select Menu
- Select Manage Debit/Credit Card
- Select the card you wish to report lost
- Verify your identity and a replacement card will be sent to you. While awaiting the arrival of your replacement card, your digital wallet typically remains active and can be used during this time. Learn more about digital wallets
If your card was not issued by Bank of America and the ATM took your card, contact the company who issued your card for assistance.
Using ATMs in foreign countries
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What tips can you give me for using an ATM in foreign countries?
Here are five tips for using ATMs in foreign countries:
1. 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.
Find a Mastercard/CIRRUS ATM layer
Find a Visa ATM layer
2. Understand the types of fees being 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.
3. Verify your PIN before you travel.
Most international ATM operators support up to 12-digit PINs. However, some ATM operators only support four-digit PINs. Be sure your PIN does not start with a zero. Be sure to know your PIN by numbers, as some ATMs outside the United States don’t have letters on the keypad. If necessary, change your PIN before traveling to a foreign country. See how to change your PIN
4. Some international ATMs have limited functions.
All international ATM operators will provide you with withdrawal access from your primary checking account, but some may not offer access to your savings account or the ability to conduct transfers and balance inquiries. Some international ATMs are only available during normal business hours. Some international ATMs may not offer instructions in English.
5. Have a backup plan.
Systems used by international banks may occasionally be unavailable while you’re traveling, so there’s a possibility you won’t be able to use your card when you need to at an ATM or to make a purchase. In addition to using your debit or ATM card while traveling, consider also taking some foreign currency with you. Learn more about ordering foreign currency
Should I get foreign currency before I travel?
Many travelers find it helpful to have local currency immediately upon arrival in a foreign country for tips, taxis and other miscellaneous expenditures. Some airports and train stations do not have foreign exchange offices; if they do, they may have limited hours of operation and may charge higher rates for currency exchange.
Bank of America clients with checking and savings accounts can order foreign currency using Online Banking or the Mobile Banking app. Customers with credit cards only can order currency at a financial center. Learn more about ordering foreign currency
ATM safety tips
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The suggestions that follow offer some simple tips on protecting your card and PIN and on exercising care when using an ATM. Please review them carefully.
Protect your ATM card and personal identification number (PIN)
- Always protect your card by keeping it in a safe place. If your card is lost or stolen, contact us immediately.
- Memorize your PIN. Do not write it on your card, keep it in your wallet or give it to anyone.
- If you choose your own PIN, avoid using numbers for your PIN that are easily identified (for example, birthdates, telephone numbers and addresses).
- Never give your PIN to anyone or information about your card over the telephone, email or the internet, unless to a trusted merchant in a call or transaction you initiated. If someone asks for this information, refuse and immediately contact us.
- Carefully review your account statements and report any fraudulent transactions immediately.
Be aware of your surroundings at ATMs
- Be aware of people and your surroundings before, during and after you use an ATM, particularly at night. If you think it is unsafe, press Cancel, leave immediately and visit another ATM.
- If you must use an ATM at night, take someone with you.
- When using an ATM with a door that requires card access, close the entry door completely upon entering and exiting and do not open the door for anyone you don’t know.
- When using a drive-up ATM, keep your engine running, doors locked and only the driver’s window open during the transaction.
- The activity around Bank of America ATMs may be monitored or recorded by surveillance cameras.
Protect your privacy
- Shield the keypad with your hand or body while entering your PIN at an ATM.
- Put your card, cash and receipt away immediately after completing your transaction. Do not display or count your cash at the ATM.
Request emergency assistance
If you need emergency assistance, call 911 from the nearest telephone. Report all crimes immediately to law enforcement and your local financial center.
In all states except NY and NJ, direct concerns about the security of Bank of America ATMs to our Corporate Security Department by calling 800-222-7511.
New York
- Questions or complaints concerning security? Call our Security Department at 800-222-7511, or the New York Department of Financial Services at 888-697-2861.
New Jersey
- Questions or complaints concerning security? Call our Security Department at 800-222-7511, or the New Jersey Department of Banking at 609-292-7272.
Spend less time at the ATM
Use your phone to speed up your trip by starting your ATM withdrawal right in our Mobile Banking app
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FAQs
How do I avoid ATM fees Bank of America?
Find and Use Bank of America ATM Locations to Help You Avoid Fees. You can avoid these types of ATM fees by using an in-network ATM if you have a Bank of America checking or savings account
Which ATM does not charge a fee?
Simple has a fee-free ATM finder on their website and allows customers to use ATMs in Walmart, Costco, Dunkin Donuts, Walgreens, Hess, Target, and CVS, without being charged a fee. Chime’s network has more than 38,000 fee-free MoneyPass ATMs
Does Bank of America have withdrawal fees?
A $10 fee applies for each withdrawal or transfer exceeding 6 in a monthly statement cycle.
How can I get ATM fees waived?
You can always avoid ATM fees by paying with a credit card or asking for cash at the register when buying groceries with a debit card, for example. But these days, there’s a better way: Switch banks.
Does Bank of America charge a fee for using an ATM or debit card?
Bank of America doesn’t charge transaction fees when you use your debit card to make purchases, but some merchants may impose a transaction fee or surcharge. An international transaction fee may be charged for debit card purchases and ATM cash withdrawals.
What ATMs can I use with Bank of America for free?
You can access your accounts at thousands of automated teller machines (ATMs), all of which are audio ATMs. As a Bank of America account holder, you don’t incur fees for withdrawals, transfers or balance inquiries at ATMs displaying the Bank of America name and logo.
Which banks charge ATM fees?
Participating banks are ANZ, BOQ, BankSA, Bank of Melbourne, Bankwest, Bendigo & Adelaide Bank, Citibank, Commonwealth Bank, HSBC, ING Direct, ME Bank, nab, St. George, Suncorp and Westpac. What if my bank isn’t on the list? You WILL be charged an ATM fee each time you use the ATM.
How much does it cost to use another bank’s ATM?
A 2017 Bankrate report found that that the average cost for withdrawing money from an out-of-network ATM reached a record $4.69 this fall. The average fee ATM operators charge also increased to $2.97. When it comes to what your bank would charge for using an out-of-network ATM, the average fee was $1.72.
Self-service ATMs: Accessibility, Limits, & Features
Self-service ATMs: Accessibility, Limits, & FeaturesSelect Your StatePlease tell us where you bank so we can give you accurate rate and fee information for your location. | Getting cash at an ATM Show all answers What is the maximum amount of money I can withdraw at an ATM? The amount you can withdraw from an ATM is based on several factors, including limits that are set based on your card or account type, availability of funds in your account at the time the withdrawal is requested and in some cases the amount the ATM is capable of dispensing. How do I set a Cash Preference? Setting a Cash Preference enables you to set a preference for a specific dollar amount you commonly withdraw. Once you’ve set a Cash Preference amount, this preferred amount will appear on the PIN entry screen and also on “How much cash do you want?” during a Get cash withdrawal selected from the ATM’s main menu. Simply enter your PIN and then tap your preferred amount to speed up your withdrawal. In some cases, the maximum Cash Preference amount that can be set may be lower than your ATM daily withdrawal limit. To change your preferred Cash Preference amount at any time, visit a Bank of America ATM and start your transaction as you normally would. Select View more from the main menu, Manage preferences, then Cash preference, See how to set your ATM preferencesYou will also be presented with additional withdrawal amount options on the PIN entry screen. You can quickly select one of the offered options, rather than going to the ATM’s main menu to complete your withdrawal. If you need to withdraw money from an account other than the primary checking account assigned to your debit card, follow the Get cash prompts on the ATM’s main menu. What denominations are available at Bank of America ATMs? When getting cash at a Bank of America ATM, you will have the ability to choose what bill types you would like for your withdrawal. Most of our ATMs have $10s, $20s or $100s available for selection, but sometimes there are exceptions. If there is more than one denomination to choose from at the time of your withdrawal, you will have the opportunity to select it in all of the same bill type (for example, in all $10s), choose a custom selection, or allow the ATM to pick for you. How do I use the Mobile Banking app to get cash at a Bank of America ATM? Setting up ATM withdrawals through our Mobile Banking app is easy—and can save you time when you’re on the go. Here’s how:Log in to our Mobile Banking app and select the checking or savings account from which you would like to get cash.Scroll to the ATM section and select GET CASH.When asked “How much cash do you want?,” simply select a pre-filled dollar amount or enter an Other Amount. (Dollar amounts lower than the account’s available balance and/or the card’s daily ATM withdrawal limit will be available for selection in increments of $20.)Select your preferred receipt type: Email Receipt, Paper Receipt or No Receipt.Please note:If cash is not picked up within 24 hours the Mobile Banking app setup for your ATM withdrawal will expire.Setting up your withdrawal in the Mobile Banking app doesn’t deduct or hold funds in your account. Funds are debited from your account when you complete your withdrawal at any Bank of America ATM.The available balance in your account is confirmed during setup, but…
Find International ATM Partners – Bank Of America Locations
Bank of America Financial Centers and ATMs Get it on the App StoreBefore you leave our site, we want you to know your app store has its own privacy practices and level of security which may be different from ours, so please review their policies. Or we can text a download link directly to your phone Phone Number * In 999-999-9999 Format Please enter a valid 10-digit phone number By providing your mobile number you are consenting to receive a text message. Text message fees may apply from your carrier. Text messages may be transmitted automatically. Apple, the Apple logo, iPhone, iPad, Apple Watch and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Get it on the App StoreBefore you leave our site, we want you to know your app store has its own privacy practices and level of security which may be different from ours, so please review their policies. Or we can send you a link by email Please enter a valid email address Apple, the Apple logo, iPhone, iPad, Apple Watch and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Get it on Google PlayBefore you leave our site, we want you to know your app store has its own privacy practices and level of security which may be different from ours, so please review their policies. Or we can text a download link directly to your phone Phone Number * In 999-999-9999 Format Please enter a phone number By providing your mobile number you are consenting to receive a text message. Text message fees may apply from your carrier. Text messages may be transmitted automatically. Android is a trademark of Google Inc. Samsung is a registered trademark of Samsung Electronics Co., Ltd. You’re going to your app store Before you leave our site, we want you to know your app store has its own privacy practices and level of security which may be different from ours, so please review their polices. Continue We’ve sent you a download link We sent an email with the download link to We sent a text message with the download link to We couldn’t send the link We’re sorry we weren’t able to send you the download link. Please try again, or use your mobile device to get the app from its app store.
Accessible ATMs & Banking Centers at Bank of America
Accessible ATMs & Banking Centers at Bank of AmericaEmbracing the principles of the Americans with Disabilities Act (ADA), Bank of America is committed to providing equal banking center access to all our customers.Banking centers and home loans officesYou have full access to your Bank of America accounts at any of our thousands of banking centers nationwide. Our home loans offices are similarly accessible. When you visit our banking centers or home loans offices, our knowledgeable associates and welcoming environment will make you feel at home.Drive right upDo your banking from the comfort of your car with drive-through banking at selected locations. When you search for a banking center or ATM, use the Refine your search option to find banking centers with drive-through facilities.Easy access for everyoneAccessible parking spacesAccessible restrooms and Braille signage (where available)Ramps in locations with stepsEasy-to-open doorsAccessible safe deposit box roomsYou’ll find our ATMs located outside our banking centers as well as inside some locations. We even have drive-through ATMs. You decide what’s best for you.Audio ATMsYou can access your accounts at thousands of automated teller machines (ATMs), all of which are audio ATMs. As a Bank of America account holder, you don’t incur fees for withdrawals, transfers or balance inquiries at ATMs displaying the Bank of America name and logo. (Cash advance fees may apply to credit card accounts; please see your credit card agreement for details.)Created for people with visual impairments, audio ATMs deliver private spoken instructions in English or Spanish through a headset that plugs into an audio jack. This enables audio ATM users to:Get cashMake DepositsMake transfers between accountsCheck account balancesMake credit card payments using cash or a checkHow to use audio ATMsAny standard headset with a 3.5mm plug will work with our audio ATMs. You can use your own headset or request one from Bank of America free of charge. To request a headset, visit your local financial center or call phone number for Telephone Banking services 800.432.1000. We accept calls made through relay services (dial phone number for relay services 711).After plugging your headset into the audio jack, you’ll hear a brief description of the audio ATM, including options to adjust headset volume and a complete device orientation for the ATM you’re using.To begin a transaction, present your card at the ATM by inserting a physical card into the card reader, tapping a contactless card on the contactless reader or holding a mobile wallet with Bank of America debit card selected over the contactless reader. When instructed, enter your PIN. You’ll hear instructions throughout the session guiding you through your transaction.About the keypadAudio ATMs have keypads you can use to respond to voice-guided prompts. Keypads consist of 16 keys: four across and four down. The three columns on the left of the keypad are identical to a standard touch-tone telephone keypad. The far-right side of the keypad contains a column of keys that will help you navigate through your transaction. Descriptions of the keypad and keys are provided during the session based on the ATM model you’re using.Accessibility height and reachThe height and reach 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.
How Much Bank of America ATM Fees Can Cost You
How Much Bank of America ATM Fees Can Cost You hedgehog94 / Getty Images/iStockphoto America’s largest banks make billions each year from ATM, overdraft and maintenance fees — $11.6 billion in Q2 2020, according to a study by Stilt. Billions of dollars in profit from fees isn’t hard to believe because when you need cash fast, you’ll often make a sacrifice and pay extra at the ATM. In addition to that, some banks tack on a separate fee if you use a non-network ATM. Find out about the different types of Bank of America ATM fees and how you can avoid out-of-network charges. Types of Bank of America Fees Bank Non-Network Fee International ATM Fee ATM Operator Fee Bank of America $2.50 $5.00 and 3% $3.00 Withdrawal fees aren’t the only bank fees you should take note of — a bank can charge overdraft, deposit and even balance inquiry ATM fees depending on its policies. Here’s information about what you’ll pay if you use a Bank of America ATM. Bank of America ATM Transaction Fee Bank of America account holders who use a BofA ATM for withdrawals, deposits, transfers, payments or balance inquiries won’t pay any ATM fees. Bank of America ATMs will have the bank’s name and logo displayed prominently. Non-Bank of America ATM Fees: U.S. If BofA account holders use a non-Bank of America ATM in the U.S., they will incur a $2.50 fee for each withdrawal, transfer or balance inquiry. Preferred Rewards Platinum customers who use their Bank of America debit or ATM card at a non-BofA ATM in the U.S. won’t have to pay the $2.50 fee for one withdrawal, transfer and balance inquiry per statement cycle and will also receive a refund of one fee assessed by the ATM operator for each of the transactions. Preferred Rewards Platinum Honors customers will receive unlimited fee-free use of non-network ATMs in the U.S. as well as refunds for unlimited fees from non-network ATM operators. Check Out: Bank of America Review — Online and In-Person Convenience Non-Bank of America ATM Transaction Fee: International Bank of America account holders who use an ATM outside of the U.S. that’s not owned by one of BofA’s international partners will incur a $5 charge for each withdrawal, transfer or balance inquiry. A 3% conversion fee will also be charged for any money withdrawn. Bank of America Insufficient Funds Fee When you use your debit card to make an ATM withdrawal and overdraw your account, you will be penalized with a $10 overdraft fee if you agreed to Bank of America overdraft practices for that particular transaction. Bank of America Returned Item Fee Bank of America’s NSF or returned item fee is $35. Bank of America does not, however, charge customers a fee when the bank declines an ATM or debit card transaction. Find and Use Bank of America ATM Locations to Help You Avoid Fees You can avoid these types of ATM fees by using an in-network ATM if you have a Bank of America checking or…
Bank of America ATM Fee Guide – Banking Basics | Cushion.ai
Bank of America ATM Fee Guide Want to boost your credit score? Join the waitlist for a new Cushion offering coming soon! Last updated September 29, 2021 What Is an ATM Fee? An ATM fee is a penalty that your bank charges you for conducting certain transactions at an automated teller machine (ATM). Bank of America charges ATM fees if you make an ATM withdrawal, transfer, or balance inquiry at non-Bank of America ATMs while in the U.S. or abroad.Bank of America ATMs prominently display the bank’s name and logo, the bank states on its website; any machines that do not display the name or logo can be considered non-Bank of America ATMs, or out of network. How Much Does a Bank of America ATM Fee Cost? For cash withdrawals, transfers, or balance inquiries conducted at a non-Bank of America ATM in the U.S., Bank of America ATM fees cost $2.50 per transaction. For cash withdrawals, transfers, or balance inquiries conducted at a non-Bank of America ATM outside of the U.S., Bank of America ATM fees cost $5 per transaction. Related Fees Other bank fees that could accompany or be associated with Bank of America ATM fees include:Savings withdrawal limit feesInternational transaction feesOverdraft item feesReplacement ATM or debit card fees Savings withdrawal limit fees Bank of America limits you to six transfers or withdrawals from your savings account per monthly statement cycle without being charged a fee. If you transfer or withdraw money more than six times, Bank of America will charge you a savings withdrawal limit fee of $10 ($1 if you have a Minor Savings Account) per transaction.The transaction limit applies to:Automatic or pre-authorized transfersTelephone transfersOnline banking or mobile banking transfers or paymentsCheck, draft, and point-of-sale transactions International transaction fees When using an ATM in another country, you might receive an international transaction fee in addition to a standard Bank of America ATM fee. At Bank of America, international transaction fees cost 3% of the U.S. dollar amount of the transaction, and apply if you:Use your card to purchase goods or services in a foreign currencyUse your card to purchase goods or services in U.S. dollars with a foreign merchantMake an internet transaction in the U.S. with a merchant who processes the transaction in a foreign countryUse your card to obtain foreign currency from an ATM Overdraft fees If you make an ATM withdrawal or transfer when you do not have sufficient funds in your checking account, you may receive an overdraft item fee or overdraft protection transfer fee in addition to an ATM fee.If you are not opted into overdraft practices for a particular ATM transaction at Bank of America, the bank will not charge you an overdraft item fee on ATM transactions. If you have opted in and Bank of America covers the transaction, you will be charged $35 for each transaction over $1.If you are opted into overdraft protection, Bank of America will typically allow you to overdraft your checking account on an ATM transaction and automatically transfer money from another checking account, savings account, line of credit, or credit card. Bank of America will charge you a $12 fee for this. Replacement ATM or debit card fees If your Bank of America debit…
What Are Bank of America ATM Fees and How to Refund …
What Are Bank of America ATM Fees and How to Refund Them [4 Steps] Get a Refund on Bank of America ATM Fees With the Help of DoNotPay Banking services are essential for most people all around the world. Whether you utilize online banking exclusively or prefer to visit your bank in person, the reality is that you are likely dealing with your bank on a weekly, if not a daily basis. If you travel or need to grab some quick cash for an in-person transaction, you probably utilize an ATM. Paying Bank of America ATM fees is a common concern for Bank of America patrons. These Bank of America ATM fees can add up over time, costing you up to hundreds of dollars every year, depending on how often you need to use an ATM. Fortunately, DoNotPay can help you appeal those fees, putting money back in your pocket. According to the Bank of America website, there are no fees charged to their customers when using their ATMs in the United States. Patrons can use the bank’s ATMs to make deposits, transfer funds, get their account balance, and, of course, withdraw cash. However, when using a non-Bank of America ATM, certain fees may apply. Here’s what to know about their ATM fees: TransactionFeeNon-Bank of America ATM fees for withdrawals, balance inquiries, and transfers at a bank in the United States$2.50 for each transactionNon-Bank of America ATM fee for withdrawals, balance inquiries, and transfers at a bank in a foreign country$5.00 for each transactionATM operator fee$2.50 to $5.00 per transactionReplacement ATM or debit card fee$5.00 per cardRushed replacement ATM or debit card fee$10.00 per card Other Common Fees From Bank of America In addition to the ATM fees outlined above, there are other fees you could encounter if you are a Bank of America customer. These fees include: Type of FeeAmountStatement copy fee$5.00 per copyOverdraft protection transfer fee$12.00 for each transferOverdraft item fee (only applicable for certain types of Bank of America accounts)$35.00 for each item over $1.00.NSF: Returned item fee$35.00 for each item over $1.00Stop payment fee$30 for each request How to Get Bank of America ATM Fees Waived on Your Own Bank fees can hit you at very inconvenient times. If you are already struggling with a financial situation, you can try getting the fees waived. Here’s how to try to get Bank of America fees waived on your own. Reach out to Bank of America directly through their website, whether by social media message or online message. Explain in your message the fees that you’ve incurred, including how much you are charged and the circumstances behind the charge. Explain that you would like to have the Bank of America ATM fees waived by the financial institution. If you’ve been a customer of the bank for a long time, detail how you’ve been loyal to the institution and why you value your relationship with Bank of America. This will help your case and prove to the representative that you should get the fees waived. Wait for the decision from the bank. Sometimes, the bank representative will be able to give you an answer on your appeal right away, but you could end up waiting for several days to find out if you get the fees waived. Do you want some help handling unfair bank fees? Turn to DoNotPay! DoNotPay is the simple solution to getting help with appealing bank fees without stress. Use DoNotPay to Get Bank of America ATM Fees Erased DoNotPay can reach out to the bank on your behalf, appealing your bank fees and helping you to possibly get them waived. If you want to get Bank…
How Much Bank of America ATM Fees Can … – Yahoo Finance
How Much Bank of America ATM Fees Can Cost Youbank_of_america_atm_log-in_screen.jpgLast year, America’s three largest banks — JPMorgan Chase, Bank of America and Wells Fargo — reaped over $6.4 billion in combined ATM and overdraft fees, according to a study by CNNMoney. Billions of dollars in profit from fees isn’t hard to believe because when you need cash fast, you’ll often make a sacrifice and pay extra at the ATM. In addition to that, some banks tack on a separate fee if you use a non-network ATM.Find out about the different types of Bank of America ATM fees and how you can avoid out-of-network charges.Withdrawal fees aren’t the only bank fees you should take note of — a bank can charge overdraft, deposit and even balance inquiry ATM fees depending on its policies. Here’s information about what you’ll pay if you use a BofA ATM.Bank of America ATM Transaction FeeBank of America account holders who use a BofA ATM for withdrawals, deposits, transfers, payments or balance inquiries won’t pay any ATM fees. BofA ATMs will have the bank’s name and logo displayed prominently.Non-Bank of America ATM Transaction Fee: U.S.Bank of America account holders who use an ATM in the U.S. that is not owned by BofA will incur a $2.50 fee for each withdrawal, transfer or balance inquiry.Preferred Rewards Platinum customers who use their BofA debit or ATM card at a non-BofA ATM in the U.S. won’t have to pay the $2.50 fee for one withdrawal, transfer and balance inquiry per statement cycle and will also receive a refund of one fee assessed by the ATM operator for each of the transactions.Preferred Rewards Platinum Honors customers will receive unlimited fee-free use of non-network ATMs in the U.S. as well as refunds for unlimited fees from non-network ATM operators.Check Out: Bank of America Review — Online and In-Person ConvenienceNon-Bank of America ATM Transaction Fee: InternationalBank of America account holders who use an ATM outside of the U.S. that’s not owned by one of BofA’s international partners will incur a $5 charge for each withdrawal, transfer or balance inquiry. A 3 percent conversion fee will also be charged for any money withdrawn.Bank of America Insufficient Funds FeeWhen you use your debit card to make an ATM withdrawal and overdraw your account, you will be penalized with a $35 overdraft fee if you agreed to BofA overdraft practices for that particular transaction.Bank of America Returned Item FeeBofA’s NSF or returned item fee is $35. Bank of America does not, however, charge customers a fee when the bank declines an ATM or debit card transaction.Find and Use Bank of America ATM Locations to Help You Avoid FeesYou can avoid these types of ATM fees by using an in-network ATM if you have a BofA checking or savings account. Locate your closest Bank of America ATM through three different online methods.Method 1: Use search engines like Google or Yahoo. Once you type “How to find Bank of America ATMs near me or banks near me” in the search bar, a map of all nearby ATM locations and banks will appear.Method 2: Use the BofA online financial center locator. Once you enter your state and city, a list of BofA ATMs will appear.Method 3: Download the BofA mobile banking app, which is available from Google Play or the App Store. Once you’ve downloaded the app, you can use the “Find a Location” feature to help you locate an ATM near you, but make sure you’ve enabled your mobile device to allow your current location to appear.As with most things, preparation is key if you want to avoid ATM fees altogether. Instead of traveling to an unfamiliar area and wondering, “Is there a Bank of America near me or BofA ATM near me?” take the time to find Bank of America locations in advance that will be convenient for you to visit if the…
Bank of America Fees (Updated 2020) – Chime
Bank of America Fees Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank or Stride Bank N.A.; Members FDIC Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC. Bank of America, like most of the top banks in the US, charges fees for its accounts. These charges include Bank of America overdraft fees, monthly maintenance fees, checking account fees, savings account fees, wire transfer fees, foreign transaction fees, and ATM fees for using a non-Bank of America machine. Find out what bank fees and charges you are paying or going to pay when you open an account. Banking the way it should be.✓ No hidden fees.✓ Grow your savings automatically✓ 38,000+ fee-free ATM’sSigning up is free and takes less than 2 minutes. Monthly Maintenance Fees $0 $12 Minimum Deposit Requirement $0 $25 Card Replacement Fee $0 $5 Foreign Transaction Fee $0 3% ATM (out-of-network) $2.50 $3 Minimum Deposit Requirement Bank of America offers three checking accounts – Core Checking, Interest Checking, and Safe Balance Banking each with a different monthly maintenance fee:Bank of America Core Checking Account has a $12 Monthly Maintenance fee which is waived with at least 1 direct deposit of $250 each month or maintain a minimum daily balance of $1,500 or more.Bank of America Interest Checking Account has a Monthly Maintenance fee of $25 which is waived if the balance of all linked accounts is above $10,000.Bank of America Safe Balance Banking comes with a Monthly Maintenance fee of $4.95 which cannot be waived. Bank of America Savings account fees come with a number of restrictions on the maximum number of free withdrawals and restrictions against making payments directly from the account. The three levels of savings accounts are Rewards Savings, a Minor Savings Account (owned and maintained by an individual under 18), and a Custodial Savings Account which is similar to the Minor Savings account but is managed by a custodian such as a parent.Rewards Saving Account has a monthly fee of $8 which is waived with a minimum daily balance of $500. Minor Savings Account has no monthly maintenance fee but is only available to those under 18 and converts to a Rewards Savings Account once the holder turns 18.Custodial Savings Account is $5 per month which is waived with a minimum balance of at least $300. Bank of America overdraft fees are broadly similar to other banking providers and are standard across their accounts at $35 for each payment authorized or returned item, with a maximum of four charges per day. Overdraft Protection is available for linked Bank of America accounts. If there is not enough money in one account to pay for the transaction the money will be automatically transferred from the linked account to cover the amount. There is a $12 fee per transaction to use this service. Should the account holder need to have a copy of their bank statements or printable check images, perhaps due to loss or needing to send to a third party,…
Top US Bank's Out-of-Network ATM Fees – MyBankTracker.com
Top US Bank’s Out-of-Network ATM Fees | MyBankTracker Ever find yourself in need of cash after bank hours? You run around looking for your bank’s automated teller machine, but there are none to be found. It would be great if your bank had an ATM on every corner, but unfortunately, that’s not very realistic. So, you might be forced to use another bank’s ATM. Here’s what you will have to pay for using an out-of-network ATM at the 10 biggest banks in America (oh, and you might want to keep looking for your bank’s nearest ATM by the way). According to a banking analysis by MyBankTracker, the biggest banks in America will charge an out-of-network ATM fee of $2 to $3. Out-of-Network ATM Fees at the Top U.S. Banks Bank Out-of-Network Withdrawal Fee* Foreign Exchange Fee Foreign Withdrawal Fee Bank of America $2.50fee waived for: no accounts 3% $5 Wells Fargo $2.50 (balance inquiry fee is $2.00)fee waived for: Portfolio Checking accounts, the first transaction for Preferred Checking accounts, & the first 4 transactions when enrolled in Military Banking program 3% $5 Chase $2.50 fee waived for: Chase Premier Platinum Checking, Chase Premier Savings, & the first 4 transactions for Chase Premier Plus Checking 3% $5 (balance inquiry fee is $2.50) Citibank $2.50fee waived for: Citigold and Citi Priority members, if monthly balance requirements are met for all members, & if first listed account owner is 62+ for Basic Banking members 3% $5 U.S. Bank $2.50fee waived for: Platinum Checking accounts & the first 2 transactions for Gold Checking 2% for U.S. dollars and 3% for international currency $2.50 PNC Bank $3fee waived for: Performance Select Checking accounts & first 2 transactions for Performance Checking 3% $5 Capital One Nonefee waived for: no accounts 3% $2 TD Bank $3fee waived for: TD Relationship Checking accounts, TD Premier Checking, TD Preferred Savings accounts, Private Tiered Checking, & TD Private Tiered Savings None $3 BB&T $3fee waived for: BB&T Elite Work Checking accounts, BB&T Wealth Vantage accounts, & the first 10 transactions for BB&T Private Vantage, the first 8 for BB&T Asset Management accounts, the first 4 for Elite Gold accounts, & the first 2 for BB&T Student Banking 3% $5 SunTrust $3fee waived for: Signature Advantage Checking accounts & the first 2 transactions for Select Checking 3% $5 Citizens Bank $3fee waived for: the first 4 transactions for all accounts 2.8% or 3%, depending on whether transaction is made in U.S. dollars or a foreign currency $3 Fifth Third Bank $2.75fee waived for: the first 10 transactions Military Checking accounts & the first 5 for Student Checking accounts 3.2% (3% for transaction + .2% for currency conversion) $5 KeyBank $2.50fee waived for: Key Privilege Select Checking accounts & reimbursement up to $6/month for Key Advantage Checking accounts, Key Privilege Checking accounts, & Key Student Checking accounts 2% $5 Regions Bank $2.50fee waived for: the first 2 transactions for Preferred Checking accounts & the first 2 transactions if you provide your Military ID for any Regions Checking accounts 3% $5 M&T Bank $3fee waived for: no accounts $0.50 or 3% of the U.S. dollar amount, whichever is greater, of any Visa transaction $5 or 3% of the U.S. dollar amount, whichever is greater, of the transaction Comerica Bank $2.50fee waived for: no accounts 3% $5 HSBC Bank $2.50fee waived for: no accounts 3% $2.50 BBVA Compass $3fee waived for: option to pay $5 extra to have fee waived, plus up to 4 rebates of ATM fees charged by other banks 1% of transaction amount at BBVA ATM and 3% of transaction amount at non-BBVA ATM $3 Santander $3 (student value checking is $2)fee waived for: Santander Premier Plus Checking accounts & Santander Select Checking accounts 3% when you use your ATM card and 4% when you use your debit card $6 BMO Harris Bank $2.50fee…