Transactions

 
 

Deposit Image ATMs

Frequently Asked Questions

  • How do I locate the closest ATM?

    To find the nearest Bank of America locations, please use our ATM and Banking Center locator. To find a Talking ATM, click on Advanced Search, select Specific Features then Talking ATM.

  • What do I do if the ATM kept my card or I forget my card in the ATM?

    If the ATM keeps your card, it is pulled into the ATM after 20 seconds and kept in a secure location. Check Cards or ATM Cards that are left in ATM machines are removed and destroyed so a replacement card must be ordered. There are a variety of options for requesting a replacement card:

  • What are the fees for using an ATM?

    Bank of America customers can withdraw cash with their Bank of America Check Card or ATM Card without a fee at nearly 18,000 Bank of America ATMs in the United States and at over 12,000 international ATMs operated by members of the Global ATM Alliance.

    Withdrawals, deposits, transfers, payments and balance inquiries from ATMs at other financial institutions will be assessed a $2.00 fee. You may also be charged a fee by the ATM operator or any network used. You may be charged a fee for a balance inquiry even if you do not complete a funds transfer. Other account fees may apply to the transaction such as an Excess Withdrawal fee for savings.

    Please refer to the Schedule of Fees for additional information.

  • How do I set/change my preferences at the ATM?

    You may set or change your preferences at the ATM once you enter your PIN. From the Select Transactions screen, select Other Options. Then, select one of the following preferences, following the prompts to complete your transaction:

      • Account statements
      • Change PIN, available at limited ATMs
      • Set Fast Cash preferences
      • Set language preferences
      • Set receipt preferences

  • How do I use an ATM safely?

      • Always pay close attention to the ATM and your surroundings. Make sure you do automated banking in a public, well-lit location.
      • Maintain an awareness of your surroundings throughout the entire transaction.
      • Be wary of people trying to help you with ATM transactions. Bank representatives will have identification.
      • Be aware of anyone sitting in a parked car nearby.
      • Pay attention when leaving an ATM to make sure you are not being followed. If you are, drive immediately to a police or fire station, or to a crowded, well-lit location or business.
      • Do not use an ATM that appears unusual looking or offers unfamiliar options.
      • Do not allow people to look over your shoulder as you enter your PIN. Memorize your PIN; never write it on the back of your card.
      • Do not re-enter your PIN if the ATM eats your card. Contact a bank official.
      • Do not wear expensive jewelry or take other valuables to the ATM.
      • Never count cash at the machine or in public. Wait until you are in the safety of your car or another secure place.
      • When using a drive-up ATM, keep your engine running, your doors locked and leave enough room to maneuver between your car and the one ahead of you in the drive-up line.
      • Deposit Image ATMs reduce the paperwork required prior to your arrival at the ATM. This will minimize the amount of time spent at the machine.
      • Make sure you retain your transaction receipt. Do not throw the receipt away at the ATM site.
      • Closely monitor your bank statements, as well as your balances, and immediately report any problems to your bank.
      • If you are involved in a confrontation and the attacker is armed and demands your money or valuables, give it to them. Do not resist. Your property may be recovered later or replaced.

  • What are the advantages of using the ATM to make deposits?

    The ATM saves you time by avoiding long teller lines. The ATM is available for customer transactions 24 hours a day, seven days a week, 365 days a year. Deposits made on or before the ATM cut-off time will get same-day credit. Deposit Image ATMs offer additional advantages, including:

      • No envelopes or deposit slips are needed
      • Availability of funds: Cut-off times on all Deposit Image ATMs are extended to 8 pm Local Time, except as noted on the signage posted on the face of all Deposit Image ATMs, and immediate availability is provided for cash deposits
      • Check images, if requested, and cash summaries are printed on the receipt

  • Benefits - What are the differences between Deposit Image and Envelope ATMs?

    Benefits Deposit Image ATM Envelope ATM
    Envelope required to make deposits No Yes
    Check deposits made on a business day by 8 PM will post on the same day. Exceptions apply. See your account agreement. Yes No
    Cash deposits made on a business day by 8 PM will be available immediately. Exceptions apply. See your account agreement. Yes No
    Image of checks printed on receipt Yes No
    Cash summary printed on receipt Yes No

  • Features and Functions - What are the differences between Deposit Image and Envelope ATMs?

    Features and Functions Deposit Image ATM Envelope ATM
    Set Receipt Preferences Yes Yes, limited ATMs
    Set Language Preferences (7 languages) Yes Yes
    Set Transaction Preferences (Fast Cash) Yes Yes, limited ATMs
    Withdraw Cash Yes Yes
    Balance inquiry Yes Yes
    Print Mini statement Yes Yes
    Change PIN at ATM Yes, except for accounts opened California, Washington and Idaho Yes, limited and except accounts opened California, Washington and Idaho
    Making payments by transferring funds Yes Yes
    Making payments by check No Yes
    Reorder checks No Yes
    Touch screen technology Yes Yes, limited ATMs
    Voice guidance for visually impaired customers Yes Yes
    Cross sell advertising opportunities Yes Yes, limited ATMs
    Message to the bank No Yes

  • What determines when my funds will be made available?

    Banks are governed by federal regulations surrounding the availability of funds, and Bank of America makes every effort possible to make funds available as quickly as possible to our customers. The Bank of America's policy looks at different criteria, such as type of deposit, deposit amount and customer relationship.

  • When are my funds available if I make a deposit at a Bank of America branded ATM?

    When certain checks (Federal Reserve Bank or Federal Home Loan Bank checks, state or local government checks, or cashier's, certified, official or teller's checks) are deposited at a proprietary (Bank of America owned) ATM, the funds must be made available by the second business day following the banking day of the deposit.

  • When are the funds from my cash deposit made available at a Deposit Image ATM?

    Cash deposits made on a business day by 8 pm will be available immediately. Exceptions apply. See your account agreement.

  • When are the funds from my check deposit made available at a Deposit Image ATM?

    Check deposits made on a business day by 8 pm will post on the same day. Exceptions apply. See your account agreement.

  • How many checks can I deposit at one time?

    Deposit Image ATMs accept one check at a time. Multi-Check ATMs accept up to 10 checks at a time. The total number of checks accepted at an ATM is unlimited.

  • How many bills can I deposit at one time?

    At our new Deposit Image ATMs, you can insert 40 bills at one time. If you have more than 40 bills, select Add More Cash and continue making deposits until you complete your transaction.

  • Why doesn't the ATM accept all of my cash?

    The ATM reads the images of the bills and compares them to images provided by the U.S. Treasury Department. If a bill is worn, folded or has extraneous marks on it, its image will not match the images provided by the U.S. Treasure Department and it will be rejected.

  • Why doesn't the ATM accept all of my checks?

    The most common reason is that the account and routing number has not been encoded with magnetic ink. The ATM is not able to read checks printed on machines that do not use magnetic ink, such as home printers.

  • What happens if I forget to endorse my check before depositing it?

    We recommend endorsing all checks. If the name on the check matches the name on the account, we will try to process the deposit without an endorsement on the check.

  • What is the maximum amount of money I can withdraw from an ATM?

    A maximum of 40 bills can be dispensed at one time from the ATM. There may also be limits based on account type and availability of funds. All 3 factors are considered when determining how much cash can be withdrawn from an ATM.

  • What is the difference between Fast Cash and Withdrawal?

    Fast Cash enables you to designate an amount that you consistently withdraw in advance of your transaction. Once you enter your PIN and select Fast Cash you will receive the amount previously designated. This saves you time if you frequently withdraw the same amount.

    Withdrawal allows you to enter the specific amount of funds you choose to remove from your account.

  • How do I transfer funds at an ATM?

    Accounts must be linked to your Check Card or ATM Card in order to make transfers between accounts at the ATM. Select Transfer Funds from the Transaction screen and follow the screen prompts.

  • How do I pay my credit card at the ATM?

    You can make payments to your credit card at the ATM if your credit card is linked to your Check Card or ATM Card. After you enter your PIN, select the transfer funds option and follow the prompts. If a payment coupon is required to pay your credit card, you can not use the ATM to make payments to your credit card.

    Please visit your local banking center or contact us to link and unlink your accounts to your Check Card or ATM Card.

  • What do I do if I do not get a receipt for my transaction?

    ATM receipts cannot be reprinted. Please sign in to Online Banking or contact us to review your account activity.

  • What is a mini statement and how do I print one?

    A mini statement is a transaction record that displays up to 8 of the most recently posted transactions, including up the last seven qualifying checks or other debits, last deposit or credit and current account balance on a personal checking, Select Cash MaximizerTM or Business Interest MaximizerTM account. To print a mini statement at the ATM, you must first enter your PIN. From the Select Transactions screen, select Other Options, Account Statements. You will have the option to print either full or mini statements for a fee.

    Please refer to the Schedule of Fees for additional information.

  • How much will I be charged to print a statement at an ATM?

    The fee for ATM Mini Statements is $1.00 each and $3.00 for each ATM Full Statement.

    Please refer to the Schedule of Fees for additional information.

  • What is the ATM Global Alliance?

    Bank of America is member of the ATM Global Alliance. The ATM Global Alliance is a group of financial institutions that has created the world's first international ATM Alliance.

    You can use your Check Card or ATM Card within the Global ATM Alliance in the countries shown with no International ATM fee. However, International Transaction Fees may apply. Some members may have locations in countries other than the country listed in the coverage area. Only ATMs in the country listed are considered part of the Alliance.

    Bank Name Coverage Area
    Bank of America North America
    Barclays United Kingdom
    BNB Paribas France
    China Construction Bank China
    Deutsche Bank 24 Germany
    Please note: International transaction fees are not waived at Deutsche Bank in Italy.
    Santander Serfin Mexico
    Scotiabank Canada
    Westpac Bank Australia and New Zealand

  • Can I use my Check Card or ATM Card in a foreign country?

    Yes, today ATMs are available worldwide. The two largest networks are the Master Card/Cirrus and Visa/Plus networks which have over 530,000 ATMs worldwide in over 100 countries. Two important considerations when using foreign ATMs:

      1. Some foreign ATMs are only available during normal business hours

      2. Many foreign ATMs offer instruction in English, but not all of them

  • What are the fees for using a Check Card or ATM Card in a foreign country?

    Withdrawals, deposits, transfers, payments and balance inquiries made at ATMs in foreign countries outside of the ATM Global Alliance will be charged a $5.00 fee.

    In addition, an International Transaction Fee will be charged for ATM Card and Check Card transactions made for foreign purchases or ATM cash withdrawals in currency other than U.S. Dollars, regardless of whether or not the transaction occurred at an ATM in a country covered in the ATM Global Alliance. The International Transaction Fee will be 3% of the U.S. Dollar amount for each converted purchase or 1% of the U.S. Dollar amount for each converted ATM cash withdrawal. This International Transaction Fee will appear as a separate item on your banking statement for each international transaction.

  • What happens if I am unable to use my Check Card or ATM Card at a foreign ATM?

    If you are unable to use a foreign ATM, you may be able to use your Check Card or ATM Card to withdraw funds at a local bank.

  • How do I set my language preference at the ATM?

    You may set your language preference at the ATM. After you enter your PIN, select Other Options and Set Language. You will be able to choose one of seven languages made available at the ATM, including:

      • English
      • Spanish
      • Chinese
      • French
      • Korean
      • Portuguese
      • Russian

  • What is a Talking ATM?

    Bank of America has the largest Talking ATM network. Talking ATMs deliver private, spoken instructions through a headset that plugs into an audio jack on the ATM. Created for people who are blind or visually impaired, they feature every capability found at any of our other ATMs, so you can:

      • Make deposits
      • Withdraw cash
      • Transfer money between accounts
      • Check account balances
      • Complete some types of other transactions, at selected ATMs

  • Where do can I get ear buds or head phones for Talking ATMs?

    Bank of America provides, free-of-charge ear buds or head phones for use at our Talking ATMs. To request yours, please visit your local banking center or contact us by secure email.