Most Bank of America ATMs are open 24/7, but some locations have restricted hours

Bank of America operates roughly 16,000 ATMs across the United States. The vast majority are available around the clock, meaning you can withdraw cash at any time of day or night. However, not every ATM runs 24/7. Some machines in smaller branches, inside retail locations, or in certain regions operate on limited schedules — typically closing during branch hours or staying open only during business days.

The only reliable way to know whether a specific ATM is open 24/7 is to check before you need it. Bank of America's ATM locator tool on their website and mobile app shows hours for each machine. If you're traveling or in an unfamiliar area, checking ahead takes 30 seconds and prevents a trip to a closed machine.

Key Takeaways

  • Most Bank of America ATMs operate 24/7, but some machines in branches or retail locations have limited hours.
  • The Bank of America website and mobile app show specific hours for each ATM location before you visit.
  • ATMs inside Bank of America branches typically close when the branch closes, while standalone machines usually stay open all night.
  • If a Bank of America ATM is unavailable, you can use any ATM in the Allpoint network for no fee, or withdraw cash at most retailers with a debit card.

How to find ATM hours for a specific location

Go to bankofamerica.com and select "Find a Branch or ATM" from the main menu. Enter your address, city, or ZIP code. The results page shows each location with its hours listed directly. The mobile app (available on iOS and Android) has the same tool — tap the menu icon, select "Locations," and search the same way.

When you see an ATM in the results, tap or click on it to see whether it's open 24/7 or has restricted hours. The listing also shows whether it's inside a branch, in a retail store, or standalone. Standalone ATMs are almost always 24/7. ATMs inside branches typically close when the branch does — usually between 4 p.m. and 6 p.m. on weekdays, and earlier on weekends.

Why some ATMs have limited hours

ATMs located inside Bank of America branches are often secured behind the branch entrance, so they're only accessible when staff is present. This is a security measure to prevent theft and monitor the machines. Machines in retail locations (grocery stores, pharmacies, gas stations) may close when the store closes, or the retailer may restrict access to certain hours.

Standalone ATMs — machines in their own kiosks or on exterior walls — have no such restrictions. These are designed for 24/7 access and are monitored remotely. If you specifically need a 24/7 machine, the locator tool will show you which ones are available in your area.

What to do if the nearest ATM is closed

Bank of America customers can use any ATM in the Allpoint network for free. Allpoint has over 55,000 ATMs worldwide, including machines at CVS, Walgreens, Target, and many other retailers. Search for Allpoint ATMs on the Bank of America app or at allpointnetwork.com. Using an Allpoint machine counts as a Bank of America withdrawal — no surcharge applies.

If no ATM is nearby, you can withdraw cash at most retailers by making a purchase with your debit card and requesting cash back. Grocery stores, pharmacies, and convenience stores typically allow this at no charge. You'll need to know your PIN and have a debit card on hand.

ATM fees and surcharges

Using a Bank of America ATM is always free for Bank of America customers, regardless of the time of day. Using an ATM from another bank may result in a surcharge from that bank, plus a fee from Bank of America (typically $2.50 per transaction, though this varies by account type). Some Bank of America accounts waive out-of-network ATM fees — check your account details or call customer service to confirm.

The Allpoint network is the exception: Bank of America customers can use any Allpoint ATM worldwide at no charge. This is one of the largest surcharge-free networks available and is worth using if a Bank of America machine isn't nearby.

International ATM access

If you're traveling outside the United States, Bank of America ATMs are not available. However, Bank of America has partnerships with certain banks in other countries. Before traveling, check the Bank of America website for a list of partner banks in your destination. You can use their ATMs without a surcharge.

International ATM withdrawals do incur a foreign transaction fee (usually 1% to 3% of the amount withdrawn), which is separate from any ATM fee. Notify Bank of America of your travel dates before you leave to prevent your card from being blocked for fraud protection.

Frequently Asked Questions

Can I withdraw cash from a Bank of America ATM at 3 a.m.?

Yes, if the ATM is open 24/7. Most standalone Bank of America ATMs are, but some machines in branches or retail locations close at night. Check the specific ATM's hours using the Bank of America locator tool before you rely on it.

What happens if I try to use an ATM that's closed?

The machine will not accept your card. You'll see a message on the screen indicating the ATM is unavailable. No transaction will go through, and you won't be charged. Try a different ATM or use the Allpoint network instead.

Do Bank of America ATMs charge a fee to non-customers?

Yes. Non-Bank of America customers typically pay a surcharge of $2 to $3 per transaction when using a Bank of America ATM. Bank of America customers never pay a fee to use Bank of America ATMs, regardless of account type.

Can I deposit checks or make transfers at a 24/7 ATM?

Some Bank of America ATMs accept check deposits, but not all. The locator tool shows which machines have deposit capability. Transfers and other transactions may be limited at certain ATMs. For complex transactions, use an ATM inside a branch during business hours or use the mobile app.