What are the ATM withdrawal limits?

The typical cap is $1,000 per transaction or 60 bills — whichever is less.

Does Bank of America charge fees for out-of-network ATMs?

Yes, the domestic out-of-network fee is $2.50 plus surcharge from the ATM operator. Internationally, the fee is $5 plus surcharge from the ATM operator.

How can I avoid ATM fees?

Use Bank of America ATMs or become a Preferred Rewards member to avoid ATM fees. You can also request cash back at a retailer.

Are international ATM fees different from domestic fees?

Yes, international ATM fees are higher than domestic ATM fees. There is a $5 non-Bank of America ATM fee and a 3% currency conversion fee — on top of any ATM operator fee.

How can I find a Bank of America ATM near me?

Use the Bank of America locator to find the nearest ATM.

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How Much Bank of America ATM Fees Cost You

September 19, 2025

5 min Read

Written by Rudri Patel

Edited by Melanie Grafil

sshepard / Getty Images

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Bank of America ATM fees can add up quickly if you’re not careful. Whether you’re withdrawing cash domestically or internationally, understanding these fees can help you save money and avoid unnecessary charges. This guide breaks down the costs and offers actionable tips to minimize them.

Bank of America ATM Fees Overview

Here is an overview of Bank of America ATM fees:

Fee Type	Standard Fee	Eligibility/Notes
In-network ATM for withdrawals, deposits, balance inquiries or transfers	$0	No fees at Bank of America ATMs
Out-of-network ATM	$2.50 and ATM operator fee	– Preferred Rewards Account Member Platinum: One U.S. out-of-network withdrawal per statement cycle, with fee waived and operator fee refunded – Platinum Honors/Diamond/Diamond Honors: Out-of-network ATM fee waived and operator fee refunds
International ATM withdrawal	$5 and 3% conversion fee	Varies by Preferred Rewards status
Balance inquiry — out-of-network	$2.50 and surcharge by the ATM operator	Preferred Rewards members may be eligible for waivers or refunds
Insufficient funds fee	N/A	Bank of America eliminated NSF fees
Overdraft fee	$10	If bank pays an item, then you will be charged a $10 overdraft fee

In-Network ATM Withdrawals

Fee: $0
Details: Using a Bank of America ATM for withdrawals, deposits, transfers or balance inquiries is free for account holders.

Out-of-Network ATM Withdrawals

Bank of America fee: $2.50 per transaction for withdrawals, transfers and balance inquiries.
ATM operator fee: Varies by ATM owner.

International ATM Withdrawals

Transaction fee: $5 per transaction for withdrawals, transfers and balance inquiries.
Currency conversion fee: 3% of the U.S. dollar amount.
ATM owner fee: Varies by provider.

Insufficient Funds Fee

Overdraft fee: $10 if your withdrawal overdraws your account — with prior consent for overdraft coverage.

Balance Inquiry Fees

In-network ATM: Free.
Out-of-network ATM: $2.50, plus any additional fees by the ATM operator.

ATM Fee Reimbursement

Preferred Rewards Platinum customers: One free non-network ATM transaction and one refund for operator fees per statement cycle.
Preferred Rewards Platinum Honors customers: Unlimited non-network ATM transactions and operator fee refunds.

Why These Fees Exist

These fees exist to cover operational costs of the ATMs and in the case of international transactions, foreign fees. It costs more for Bank of America for their customers to use out-of-network ATMs and so the fees are so it pushes individuals to use in-network ATMs.

How To Avoid Bank of America ATM Fees

You can take measures to avoid Bank of America ATM fees. Here are a few strategies:

Use in-network ATMs. Locate and use Bank of America ATMs for free transactions. If you’re unsure where these ATMs are located, use the Bank of America locator to check.
Enroll in Preferred Rewards. Achieve Platinum or Platinum Honors status to unlock reimbursement perks.
Withdraw larger amounts. Reduce the frequency of ATM usage to minimize fees.
Use cashback options. Opt for cash back when making purchases at retailers to avoid ATM charges. You can enter the amount of cash you want back in the kiosk — remember that there are limits — and the clerk will give you the cash. There is no charge for this transaction.
Use Bank of America partner ATMs internationally. Try to use Bank of America partner ATMs overseas to avoid foreign transaction fees, and choose local currency to avoid additional fees.
Plan ahead. Find nearby in-network ATMs before traveling to avoid surprises.
Use an app to make a payment. If you have Zelle, there are retailers that will accept this as payment.

Bank of America ATM Fees for International Transactions

If you’re traveling internationally there are fees associated with your transactions.

International withdrawal fee: $5 per transaction.
Currency conversion fee: 3% of the transaction amount.
ATM owner fees: Additional charges may apply, depending on the operator.

Tips to Minimize Fees

Use partner ATMs. Bank of America has partnerships with global banks that waive fees. Check their website for updated partners.
Withdraw larger amounts less frequently. This reduces the frequency of fee charges.
Notify your bank. Let Bank of America know your travel plans to prevent card blocks.
Consider digital payments. Use cards and mobile payment options where accepted to avoid withdrawal needs altogether.

Bank of America ATM Withdrawal Limits

There are limits to what you can withdraw at a Bank of America ATM. The standard daily withdrawal limit is $1,000 or 60 bills whichever is less. For those that have the cardless access set up on their phone, they can withdraw $800 per withdrawal.

Customers can request customized limits. You can request an increase in the limit at the branch or call the number on your debit card. Your increase will depend on your history and relationship with the bank, as well as if you’ve been in good standing.

Pro Tip

Check your withdrawal limit via the Bank of America mobile app to avoid failed transactions.

Alternatives to Using Bank of America ATMs

If you’re looking to avoid fees, here are some practical options:

Cashback at retailers. Use your Bank of America debit card to get cashback when making a purchase.
Mobile payment apps. Leverage Apple Pay, Google Pay or PayPal for convenient, fee-free purchases.
Peer-to-peer transfers. Use Zelle, Venmo or Cash App for sending or receiving funds.
Bank transfers. Easily transfer funds online or via the mobile app to avoid cash withdrawals.
Cash advance. Although this should be an option of last resort, you can get cash from your credit card. Keep in mind the interest rate is high on a cash advance.

Final Thoughts

Bank of America ATM fees can be avoided with the right strategies. You can use in-network ATMs, plan ahead and explore digital options. Use the Bank of America locator services to find the nearest ATM. Also, those that qualify for the Preferred Rewards program to start saving today.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

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