Spend less time at the ATM

Use your phone to speed up your trip.

When you need cash but are short on time, use our mobile app1 to set up an A T M withdrawal in advance and your cash will be ready for pick up at any Bank of America A T M when you get there.2

HOW IT WORKS:

  1. Step #2

    Set up withdrawal

    Next, choose the amount of cash you want
  2. Step #3

    You’re ready to get your cash

    Use either your phone’s digital wallet or your debit card at the A T M, enter your PIN and pick up your cash

Set up Withdrawals in the App

How do I start an ATM withdrawal in the Bank of America Mobile app?

Begin by signing in to the Bank of America Mobile Banking app, then:

1. Select the checking or savings account from which you want to get cash and scroll to Start ATM Withdrawal, or
2. Select Menu, scroll to Start ATM Withdrawal in More Features.

When I arrive at a Bank of America ATM, what do I need to do in order to pick up my cash?

At any Bank of America ATM you can pick up your cash by simply inserting your ATM/debit card at the ATM as you normally do, and then answer the on-screen questions and enter your ATM/debit card PIN to complete your withdrawal.

At Bank of America Cardless ATMs, select your Bank of America debit card in Apple Pay®, Samsung Pay, Google Pay or Microsoft Wallet. Hold your mobile device over the contactless symbol on the ATM; answer the on-screen questions and enter your ATM/Debit card PIN to complete your withdrawal. Digital wallet service is available at ATMs where you see this symbol. NFC logo

Make sure to use the same ATM/debit card that was selected for your ATM withdrawal in the Bank of America Mobile Banking app when picking up your cash at the ATM. If a different ATM/debit card is used at the ATM, you will not be able to complete the withdrawal you set up in the Bank of America Mobile Banking app.

Is my ATM withdrawal deducted from my account when I set it up in the Bank of America Mobile Banking app?

No. Available balance in your account is confirmed when you set up your ATM withdrawal in the Bank of America Mobile app; however, no deduction is made to your account until you arrive at the ATM and we are able to confirm the available funds in your account at the time you pick up your cash. If funds are no longer sufficient to complete your withdrawal, your transaction will be declined.

How long will the withdrawal I set up in the Mobile Banking app be available for pick-up at any Bank of America ATM?

You will have 24 hours to visit any Bank of America ATM to pick up your cash, otherwise your transaction will expire.

How many withdrawals can I set up at one time in the Bank of America Mobile Banking app?

You can set up one withdrawal at a time.

What is the maximum amount I can choose to withdraw when setting up my ATM withdrawal in the Bank of America Mobile Banking app?

You may withdraw up to $800 in a single transaction, if this amount does not exceed your available account balance or daily ATM withdrawal limit for your ATM/debit card at the time of set up and when you actually pick up the cash.

Will I receive a receipt for ATM withdrawals I set up in the Bank of America Mobile Banking app?

You may choose one of the following receipt options in the Bank of America Mobile Banking app when setting up an ATM withdrawal:

1. Email Receipt Only (you choose which email address will be used to send your receipt)
2. Paper Receipt Only
3. No Receipt

Your receipt will be printed or emailed when you pick up your cash at any Bank of America ATM. If you are using the Bank of America Mobile Banking app in Spanish, your email or paper receipt will also be in Spanish.

From which accounts can I set up an ATM withdrawal using the Bank of America Mobile Banking app?

You may set up an ATM withdrawal from your checking or savings account that allows ATM access using your Bank of America ATM/debit card.

Note: Savings accounts have a limit on withdrawals and transfers of 6 per monthly statement cycle (or each month if you have a quarterly statement cycle). Refer to the Schedule of Fees for your account.

Can I set up an ATM withdrawal from my Bank of America Small business account using the Bank of America Mobile Banking app?

Yes, you may set up an ATM withdrawal from your Small Business checking or savings account that allows ATM access using your Bank of America Small Business ATM/debit card.

Will I be able to cancel the transaction I set up using the Bank of America Mobile Banking app?

Yes, if you choose to cancel your withdrawal, you must cancel it using the Bank of America Mobile Banking app.

If you don’t cancel the withdrawal earlier, your transaction will expire if you don’t pick up your cash at an ATM within 24 hours.

Can I start an ATM withdrawal using the Mobile Banking app in Spanish language?

Yes, you may set up your ATM withdrawal using the Bank of America Mobile app in both English and Spanish.

Can I set up an ATM withdrawal using the Bank of America Mobile Banking app for someone else to pick up?

No. For your security, when picking up your cash at a Bank of America ATM you are required to use your Bank of America ATM/debit card or digital wallet and also enter your ATM/debit card PIN.

Close FAQs

Forgot your card or in a rush? Use your smartphone to get cash and make deposits at select Bank of America ATMs. Set up is easy – just upload your eligible debit card to your digital wallet.1

HOW IT WORKS:

  1. Step #1

    Access your digital wallet

    At the ATM, select your Bank of America debit card in your digital wallet
  2. Step #2

    Hold your phone over the ATM’s contactless symbol

    Then access your card in your wallet with the touch of a finger or using facial recognition
  3. Step #3

    Enter your PIN

    Just type in your debit card PIN on the ATM, and start your transaction

Eligible cards: Consumer Debit Cards, U.S. Trust Debit Cards, Small Business Debit Cards (owner card only).

Cardless A T M F A Qs

Where are the Bank of America cardless ATMs located?

Bank of America cardless ATMs can be found at select locations nationwide where you see the contactless symbol. NFC logo To locate Cardless ATMs, visit Bank of America locations.

What transaction types are available using my smartphone or other eligible mobile device at a cardless ATM?

You can complete the same transactions at a Bank of America cardless ATM that you can using your physical debit card.

Which digital wallets are eligible to use at a cardless ATM?

Apple Pay®, Google Pay, Samsung Pay and Microsoft Wallet can be used at a cardless ATM. See https://promo.bankofamerica.com/digitalwallets/ for information on wallets and eligible devices.

How do I add my debit card to my digital wallet on my smartphone?

If you have a phone eligible for Apple Pay®, Google Pay or Samsung Pay, you can add your cards right from our Mobile Banking app by going to Account Management and choosing to add a card to your phone’s wallet. Otherwise, go to https://promo.bankofamerica.com/digitalwallets/ and choose your device. Then click on the FAQ link for instructions on how to add your debit card to your digital wallet.

How do I use my smartphone to start my transaction at a cardless ATM?

1. At the ATM, select your Bank of America debit card in your digital wallet.
2. Hold your phone over the contactless symbol NFC logo on the ATM, and access the card in your wallet with the touch of your finger.
3. Enter your debit card PIN on the ATM and start your transaction.

Can someone access my accounts at the ATM using my smartphone if it is stolen?

We recommend that you lock your phone display with a fingerprint or PIN. Using this type of security setting for your device will help prevent unauthorized access to your phone contents, including access to an ATM. You may also manage your debit cards in Online Banking if a device is lost or stolen. If you cannot locate your device, you can lock or delete your virtual cards by signing into Online Banking and selecting Profile & Settings, and then Digital Wallets & Virtual Cards Settings.

Are Bank of America credit cards eligible for cardless ATM transactions?

No, Bank of America credit cards are not currently eligible for cardless ATM transactions.

For more information on ATMs, visit ATM FAQs.

Close FAQs