Bank of America has about 16,000 ATMs across the United States, plus access to a larger network through partnerships

Bank of America operates its own network of roughly 16,000 ATMs in all 50 states, with the heaviest concentration in urban and suburban areas. If you have a Bank of America debit card or checking account, you can use any of these machines without a fee. The real question for most people is whether there's one near where you actually live, work, or spend time — and that depends on your location.

Beyond Bank of America's own machines, you also get access to the Allpoint network, which includes about 55,000 ATMs worldwide. This partnership means you can withdraw cash at many grocery stores, pharmacies, and convenience stores that display the Allpoint logo, again without a fee to you. The catch is that not every neighborhood has equal coverage, and rural areas may have few or no options.

Key Takeaways

  • Bank of America's 16,000 ATMs are concentrated in cities and suburbs, so availability varies significantly by location.
  • You can use any Bank of America ATM for free with a debit card or checking account, with no monthly limit on withdrawals.
  • The Allpoint network partnership gives you access to roughly 55,000 additional ATMs worldwide, often in retail locations like grocery stores.
  • Using an ATM outside Bank of America's network and Allpoint will charge you a fee, typically $2 to $3 from the other bank plus a small fee from Bank of America.

How to find Bank of America ATMs in your area

The fastest way to check ATM locations near you is the Bank of America mobile app or website. Go to the ATM locator tool, enter your address or zip code, and it will show you the nearest machines with their hours and services (some offer cash deposits, for example, while others only dispense cash). You can also filter by whether you need a specific service like check deposits or currency exchange.

If you don't have a smartphone or prefer to call, you can phone Bank of America customer service at 1-800-432-1000 and ask for nearby ATM locations. They can tell you which machines are closest to your home, workplace, or a specific address you're planning to visit.

What happens if you use an ATM outside the Bank of America network

If you withdraw cash from an ATM that is not Bank of America or Allpoint, you will pay a fee. The other bank's ATM typically charges $2 to $3 per transaction, and Bank of America usually adds its own fee on top — typically $1 to $3, depending on your account type. Some checking accounts at Bank of America offer fee reimbursement for out-of-network ATM charges, but this varies by account.

Over time, these fees add up. If you withdraw cash twice a week from an out-of-network ATM, you could pay $20 to $30 per month in fees alone. This is one reason it's worth checking whether a Bank of America or Allpoint ATM is available before you open an account or switch banks.

ATM availability by region

Bank of America has strong ATM coverage in major metropolitan areas like New York, Los Angeles, Chicago, Dallas, and Atlanta. If you live in or near a city, you will likely find multiple Bank of America ATMs within a short distance. Suburban areas generally have good coverage as well, though the density drops as you move further from population centers.

Rural areas and small towns often have few or no Bank of America ATMs. If you live outside a major city, check the ATM locator before opening an account to see whether the network will actually serve your needs. In these cases, a local or regional bank with branches in your area might be more practical, even if Bank of America offers other features you want.

Using the Allpoint network for additional convenience

The Allpoint partnership extends your fee-free ATM access beyond Bank of America's own machines. You can withdraw cash at participating retailers — typically grocery stores like Safeway and Kroger, pharmacies like CVS and Walgreens, and convenience stores like 7-Eleven. Look for the Allpoint logo at the register or ask a cashier whether they participate.

Allpoint machines are often more convenient than traditional bank ATMs because they're in places you already shop. However, not every location of a participating retailer has an Allpoint ATM, so you may still need to check the locator tool before you go. The Allpoint network also includes machines in other countries, which can be useful if you travel internationally.

What to do if there's no ATM near you

If Bank of America and Allpoint coverage is sparse in your area, you have a few options. You can request cash back when you make a purchase at a grocery store or other retailer that accepts debit cards — this is free and doesn't require an ATM. You can also transfer money to another bank account and withdraw from that bank's ATM if they have better local coverage. Some people keep accounts at two banks for this reason.

Another option is to switch to a bank or credit union with stronger presence in your area. If you travel frequently or live in a rural area, a local credit union or regional bank may serve you better than Bank of America, even if you lose access to a large national network. The trade-off is worth considering before you commit to an account.

Frequently Asked Questions

Can I deposit checks at any Bank of America ATM?

Not all Bank of America ATMs accept check deposits. The locator tool on the website and app will show you which machines have deposit capability. Most branches and many ATMs in retail locations accept deposits, but some standalone machines only dispense cash.

Do I pay a fee to use an Allpoint ATM?

No. Allpoint ATMs are fee-free for Bank of America customers, just like Bank of America's own machines. The partnership is included with your account at no extra cost.

What if I travel out of state — can I still use Bank of America ATMs?

Yes. Bank of America ATMs work the same way in every state, and you won't pay a fee. The Allpoint network also works nationwide and internationally, so you have options in most places you travel within the United States.

How much does it cost if I use a non-Bank of America ATM?

The fee varies, but typically ranges from $3 to $6 per transaction — the other bank charges $2 to $3, and Bank of America adds $1 to $3 on top. Some Bank of America accounts reimburse these fees, so check your account terms.