Most Bank of America ATMs are open 24/7, but some inside branches close when the branch closes
Bank of America operates two types of ATMs: standalone machines in public spaces (gas stations, grocery stores, malls, airports) and machines inside branch locations. The standalone ATMs run around the clock, every day. ATMs inside a branch building typically close when that branch closes for the day — usually between 5 p.m. and 7 p.m. on weekdays, and earlier on weekends or not at all on Sundays, depending on the branch.
The only way to know the exact hours of a specific ATM is to check before you need it. Bank of America's website and mobile app both let you search for nearby ATMs and see their hours. If you search and see no hours listed, that ATM is open 24/7. If hours appear, the ATM closes at that time.
If you use a Bank of America debit card at another bank's ATM, you will pay a fee — usually $2.50 to $3.50 per transaction, depending on the other bank. Bank of America's own ATM network is free for account holders, so it pays to find one of theirs if you can.
Key Takeaways
- Standalone Bank of America ATMs in public locations operate 24 hours a day, 7 days a week.
- ATMs inside Bank of America branch buildings close when the branch closes, typically between 5 p.m. and 7 p.m. on weekdays.
- Use the Bank of America website or mobile app to search for an ATM near you and see whether it has posted hours.
- Using another bank's ATM with your Bank of America card will cost you $2.50 to $3.50 per transaction.
- If you need cash outside branch hours, look for a standalone ATM in a gas station, grocery store, or airport rather than one inside a branch building.
How to find a 24/7 Bank of America ATM near you
Go to bankofamerica.com and click "Locations" or open the Bank of America mobile app and tap the ATM/Branch locator. Enter your address or current location. The map will show you every Bank of America ATM within a few miles, along with the branch ATMs and their hours.
Look for ATMs with no hours listed — those are open all night. If you see hours posted (for example, "Open 8 a.m. to 6 p.m."), that ATM is inside a branch and closes at that time. The locator also shows you which ATMs are inside branches and which are standalone, so you can filter for the ones you want.
If you are traveling or in an unfamiliar area, this search is worth doing before you need cash. A 24-hour ATM in a well-lit, busy location (airport, major grocery store, gas station) is safer than hunting for one at 2 a.m.
What happens if you use a non-Bank of America ATM
Your Bank of America debit card will work at most ATMs in the United States, but you will be charged a fee by the other bank. That fee typically ranges from $2.50 to $3.50 per withdrawal. Some banks charge more. You may also see a warning on the ATM screen before you complete the transaction, telling you the fee amount — you can cancel at that point if you want to avoid it.
Bank of America does not charge you a fee when you use their own ATM, but the other bank does. That fee comes out of your account immediately, so if you withdraw $100, you might actually lose $102.50 or $103.50 from your balance.
If you find yourself regularly using non-Bank of America ATMs, it might be worth switching to a bank with more ATMs in your area, or keeping a small amount of cash on hand to avoid the repeated charges.
ATM access if your branch is closed
Bank of America branches have different hours depending on location. Most open at 9 a.m. on weekdays and close between 5 p.m. and 7 p.m. Saturday hours are usually 9 a.m. to 1 p.m. or 2 p.m. Many branches are closed on Sundays. If you need to deposit a check or speak to a teller, you will have to wait until the branch reopens.
But if you only need cash, the ATM outside or inside the branch building will still work if it is a 24-hour machine. Check the locator to confirm. If the branch ATM has posted hours and is closed, you will need to find a standalone Bank of America ATM or use another bank's machine and pay the fee.
For deposits after hours, some Bank of America branches have an envelope slot or night deposit box outside the building. You can deposit checks or cash there, and the bank will process them the next business day. Ask your branch whether they have one, or check the locator — it will note which branches have after-hours deposit options.
Bank of America ATMs at airports and travel hubs
Most major U.S. airports have Bank of America ATMs, and they are open 24/7 because the airport itself operates around the clock. These are almost always standalone machines, not inside a branch. If you are traveling and need cash at an odd hour, an airport ATM is a reliable option even if you are not flying — many airports allow public access to the terminal areas where ATMs are located.
Gas stations and 24-hour grocery stores also commonly have Bank of America ATMs. These are free to use with your Bank of America card and run all night. If you live or work near a major retail area, you likely have access to at least one 24-hour option without leaving your bank's network.
Frequently Asked Questions
Can I withdraw money from a Bank of America ATM at 3 a.m.?
Yes, if the ATM is a standalone machine or a 24-hour branch ATM. Use the Bank of America locator to find one near you and confirm it has no posted hours. ATMs inside branches that close at night will not work after closing time, even though the card reader may appear to work — the machine simply will not dispense cash.
Do I get charged if I use a Bank of America ATM?
No, using a Bank of America ATM with a Bank of America debit card is free. You only pay a fee if you use another bank's ATM. That fee is charged by the other bank, not by Bank of America, and typically ranges from $2.50 to $3.50 per transaction.
What if I need to deposit money after the branch closes?
Some Bank of America branches have a night deposit box or envelope slot outside the building where you can deposit checks and cash after hours. The bank will process them the next business day. Check with your branch or use the locator to see if yours has this option. For mobile deposits, you can photograph a check with the Bank of America app and deposit it anytime.
Are all Bank of America ATMs in grocery stores open 24/7?
Most are, but not all. A grocery store ATM can be either standalone (open 24/7) or inside a branch location (closed when the branch closes). Use the locator and look for posted hours. If no hours appear, the ATM is open all night.
Can I use my Bank of America card at Chase or Wells Fargo ATMs?
Yes, your card will work, but you will pay a fee — usually $2.50 to $3.50 per withdrawal. The fee is charged by the other bank. If you need cash frequently, it is cheaper to find a Bank of America ATM or withdraw larger amounts less often to reduce the number of transactions.