Bank of America has about 16,000 ATMs across the United States, but whether one is convenient to you depends on where you live and how you bank

Bank of America operates the second-largest ATM network among U.S. banks, behind only Wells Fargo. Most of these machines are inside Bank of America branches, but roughly 4,000 are in standalone locations — grocery stores, airports, gas stations, and shopping centers. If you live in or near a major city, you will likely find one within a few blocks. If you live in a rural area or small town, the nearest one might be 20 or 30 miles away.

The real question is not whether Bank of America has ATMs, but whether the ones near you are in places you already go. A machine inside a branch you pass on your commute is more convenient than one you have to drive to specifically. A machine in your grocery store is more convenient than a branch. The answer to "convenient" is different for everyone.

Key Takeaways

  • Bank of America's ATM locator tool on its website or mobile app shows the exact address, hours, and services of every machine in the network.
  • You can withdraw cash at any Bank of America ATM without a fee, but using an ATM outside the network typically costs $2.50 to $3.50.
  • Standalone ATMs in grocery stores and gas stations are often more convenient than branch locations, but you should confirm the specific address before relying on one.
  • If you travel frequently, Bank of America's network is larger in cities and along major highways than in rural areas, so check coverage before moving or relocating.

How to find Bank of America ATMs in your area

The fastest way to see what is near you is the Bank of America ATM locator. Go to bankofamerica.com, click "Locations" at the top, and enter your address or zip code. The tool shows every ATM within a radius you choose — 1 mile, 5 miles, 10 miles — along with the street address, hours of operation, and what services each machine offers (cash withdrawal, deposits, balance inquiries, and so on).

The mobile app has the same tool. Open the app, tap the menu icon, select "Locations," and search by address or use your phone's location. The app will show ATMs sorted by distance from where you are standing right now, which is useful if you need cash while you are out.

Both tools are current but not real-time. A machine might be temporarily out of service or moved, so if you are planning a trip to an unfamiliar area, it is worth calling the branch or ATM location ahead to confirm it is open and working.

The difference between branch ATMs and standalone machines

Bank of America ATMs inside branches are open during branch hours — typically 9 a.m. to 5 p.m. on weekdays, with shorter Saturday hours and no Sunday service. These machines are usually in a vestibule you can access with your debit card even when the branch is closed, so you can withdraw cash at night or on weekends.

Standalone ATMs in grocery stores, gas stations, and airports are open whenever the location is open. A Safeway ATM is available as long as the store is, which might be 6 a.m. to midnight or 24 hours. An airport ATM is available during airport hours. These machines are often more convenient straightforward because of where they sit.

The catch: not every grocery store or gas station has a Bank of America ATM. Some have machines from other networks. The locator tool will tell you which locations have Bank of America machines, so check before you assume.

What it costs to use an ATM outside the Bank of America network

Using a Bank of America ATM costs nothing — no fee to you, no matter how many times you withdraw. Using an ATM that belongs to another bank or network costs money. The fee varies by the ATM operator, but typically ranges from $2.50 to $3.50 per transaction. Some ATMs charge more.

Bank of America also charges you a fee if you use an out-of-network ATM. This fee is separate from what the ATM operator charges. So if you use a Chase ATM, you might pay $2.50 to Chase and $1.50 to Bank of America, for a total of $4. The fee appears on your statement as "out-of-network ATM fee" or similar.

If you travel to an area where Bank of America ATMs are scarce, these fees add up quickly. This is one reason to check ATM coverage before moving or taking a long trip.

ATM coverage in different regions

Bank of America's 16,000 ATMs are not evenly distributed. The network is densest in California, Texas, Florida, New York, and other large states with major metropolitan areas. In cities like Los Angeles, New York, Chicago, and Atlanta, you will find multiple Bank of America ATMs within a mile in most neighborhoods.

In smaller cities and suburbs, coverage is thinner but usually adequate. You might find one or two ATMs per town, often in a branch or a grocery store. In rural areas — especially in the Mountain West, Great Plains, and parts of the South — Bank of America ATMs are sparse or absent. If you live in a rural area and bank with Bank of America, you will likely use out-of-network ATMs regularly and pay fees for it.

If you are considering moving or opening an account, the ATM locator tool is worth checking for your specific address. Type in the zip code and see what comes up within a 5-mile radius. That is a realistic picture of what you will have access to.

Alternatives if Bank of America ATMs are not convenient

If the nearest Bank of America ATM is far from where you live or work, you have a few options. One is to use a different bank with better coverage in your area. Credit unions often participate in shared branching networks that let you withdraw cash at other credit unions' ATMs and branches for free, which can be more convenient in rural areas.

Another option is to get cash back at the grocery store or gas station when you buy something. This costs nothing and works at any store that takes your debit card, regardless of which bank issued it. You do not need a Bank of America ATM if you can get cash at the checkout.

A third option is to accept that you will use out-of-network ATMs occasionally and budget for the fees. If you withdraw cash once a week and pay $2.50 per transaction, that is roughly $130 a year. For some people, that is worth it to stay with Bank of America for other reasons. For others, it is a reason to switch banks.

Frequently Asked Questions

Can I deposit checks or cash at a Bank of America ATM?

Most Bank of America ATMs accept cash and check deposits, but not all. The locator tool shows which services each machine offers, so check before you go. Machines in branches and many grocery stores accept deposits. Some standalone machines do not.

What happens if a Bank of America ATM is broken or out of service?

Bank of America does not charge you a fee if an ATM is down when you need it. If you are charged a fee for using an out-of-network machine because a Bank of America ATM was unavailable, you can contact the bank and request a refund. Have the date, time, and location ready.

Do I need a Bank of America debit card to use a Bank of America ATM?

Yes, you need a Bank of America debit card or ATM card linked to your account. You cannot use someone else's card, and you cannot use a credit card at an ATM.

Are there Bank of America ATMs outside the United States?

Bank of America has a small number of ATMs in some international locations, but coverage is very limited. If you travel abroad, ask your bank about international ATM networks or plan to use local banks. Many international ATMs charge high fees for U.S. bank cards.

How do I report an ATM that is not working?

You can report a broken ATM through the Bank of America app or website, or by calling customer service at the number on the back of your debit card. Include the address and what was wrong with the machine.