Bank of America has branches and ATMs across the US, but the fastest way to find one near you depends on what you need to do

If you need to visit a physical location, Bank of America's branch locator tool on their website shows you branches, ATMs, and which services each one offers. You can search by address, zip code, or let the tool use your location. ATMs are more widely available than branches — most Bank of America ATMs are inside branches, but thousands more sit in grocery stores, pharmacies, and other retail locations.

The distinction matters because not every location does the same things. A branch can handle account opening, loan applications, and complex transactions. An ATM can only do cash withdrawals, deposits (at some machines), and balance checks. If you need to speak to someone, you need a branch, not just an ATM.

Key Takeaways

  • Bank of America's branch locator at bankofamerica.com is the official source for finding locations near you, and it shows which services each branch offers.
  • ATMs outnumber branches significantly, but they cannot handle account openings, loan applications, or transactions that require a person.
  • Many Bank of America ATMs are located inside retail stores like Walmart, CVS, and Safeway, not just in bank buildings.
  • If you have a Bank of America account, you can also call 1-800-BANK-OF-A (1-800-226-5628) to ask for the nearest branch or ATM.

Using the Bank of America branch locator online

Go to bankofamerica.com and look for the "Locations" or "Find a Branch" link, usually in the top navigation or footer. The tool lets you search three ways: by entering an address or zip code, by allowing the site to detect your current location, or by filtering results on a map. You can narrow results by service type — for example, "mortgage services" or "wealth management" — so you see only branches that handle what you need.

Each location listing shows hours, phone number, address, and a list of services available at that specific branch. Some branches are full-service; others are smaller and may not offer every service. The listing also tells you whether that location has an ATM and whether it accepts deposits at the ATM. Hours vary by location and day, so check before you go, especially on weekends or holidays.

Finding ATMs outside of Bank of America branches

Bank of America ATMs are embedded in thousands of retail locations. The branch locator will show you these if you filter for "ATM only" locations. Common places to find them include Walmart, Target, CVS, Walgreens, Safeway, Kroger, and many other grocery and pharmacy chains. Some gas stations and convenience stores also have them.

The advantage is convenience — you may find an ATM closer to you than a branch. The limitation is function: most retail ATMs can only withdraw cash and check your balance. Some allow deposits, but not all. If you need to deposit a check or cash and the ATM does not accept deposits, you will need to visit a branch or use mobile deposit through the Bank of America app if you have an account.

Calling Bank of America to find a location

If you do not have internet access or prefer to speak to someone, call Bank of America's main customer service line at 1-800-BANK-OF-A (1-800-226-5628). A representative can tell you the nearest branch or ATM to any address you provide and can tell you which services that location offers. They can also tell you current hours if you are calling outside normal business hours.

Wait times vary depending on call volume. If you are an account holder, you may reach a representative faster by calling the number on the back of your debit or credit card, which routes you to account-specific support.

What to bring when you visit a branch

If you are opening an account or explore for a loan, bring a government-issued photo ID and proof of address (a recent utility bill, lease, or mortgage statement). If you are depositing checks or cash, bring the items you want to deposit and your account number or debit card. For other transactions, the specific documents depend on what you are doing — the branch can tell you over the phone if you call ahead.

Many branches are busier during lunch hours and on Fridays, so consider visiting early in the morning or mid-week if you have time flexibility. Some branches offer appointment scheduling through the website or app, which can reduce wait time.

Using Bank of America's mobile app instead of visiting in person

For many routine tasks, you do not need to visit a location at all. The Bank of America mobile app lets you check balances, transfer money between accounts, pay bills, deposit checks by photograph, and manage your account settings. You can also message with customer service through the app and schedule a callback rather than waiting on hold.

Mobile deposit — photographing the front and back of a check through the app — works for most personal checks and some business checks. Limits explore based on your account type and history. If you need cash, you can withdraw from any ATM in the network without visiting a branch.

Frequently Asked Questions

Can I use a Bank of America ATM if I do not have a Bank of America account?

No. Bank of America ATMs are for Bank of America customers only. If you do not have an account, you can visit a branch to open one, or use ATMs from your own bank or a network your bank belongs to, such as Allpoint or MoneyPass.

Do all Bank of America ATMs accept deposits?

No. Most ATMs in branches accept deposits, but many ATMs in retail locations do not. The branch locator tool shows which ATMs accept deposits. If the ATM you want to use does not, you will need to visit a branch or use mobile deposit through the app.

What are Bank of America's branch hours?

Hours vary by location. Most branches are open Monday through Friday from 9 a.m. to 5 p.m., with limited Saturday hours. Some locations have extended weekday hours. Check the specific branch listing on the locator tool or call ahead to confirm.

Is there a Bank of America branch in my state?

Bank of America has branches in most states, but not all. The branch locator will show you whether there is a location in your area. If there is not a branch near you, you can still open and manage an account online or by phone.