Can I take 5000 out of an ATM bank of America?

|

Getting cash at an ATM

Show all answers

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

The amount you can withdraw from an ATM is based on several factors, including limits that are set based on your card or account type, availability of funds in your account at the time the withdrawal is requested and in some cases the amount the ATM is capable of dispensing.

How do I set a Cash Preference?

Setting a Cash Preference enables you to set a preference for a specific dollar amount you commonly withdraw. Once you've set a Cash Preference amount, this preferred amount will appear on the PIN entry screen and also on "How much cash do you want?" during a Get cash withdrawal selected from the ATM's main menu. Simply enter your PIN and then tap your preferred amount to speed up your withdrawal. In some cases, the maximum Cash Preference amount that can be set may be lower than your ATM daily withdrawal limit. To change your preferred Cash Preference amount at any time, visit a Bank of America ATM and start your transaction as you normally would. Select View more from the main menu, Manage preferences, then Cash preference, See how to set your ATM preferences

You will also be presented with additional withdrawal amount options on the PIN entry screen. You can quickly select one of the offered options, rather than going to the ATM's main menu to complete your withdrawal. If you need to withdraw money from an account other than the primary checking account assigned to your debit card, follow the Get cash prompts on the ATM's main menu.

What denominations are available at Bank of America ATMs?

When getting cash at a Bank of America ATM, you will have the ability to choose what bill types you would like for your withdrawal. Most of our ATMs have $10s, $20s or $100s available for selection, but sometimes there are exceptions. If there is more than one denomination to choose from at the time of your withdrawal, you will have the opportunity to select it in all of the same bill type (for example, in all $10s), choose a custom selection, or allow the ATM to pick for you.

How do I use the Mobile Banking app to get cash at a Bank of America ATM?

Setting up ATM withdrawals through our Mobile Banking app is easy—and can save you time when you're on the go. Here's how:

1. Log in to our Mobile Banking app and select the checking or savings account from which you would like to get cash.
2. Scroll to the ATM section and select GET CASH.
3. When asked "How much cash do you want?," simply select a pre-filled dollar amount or enter an Other Amount. (Dollar amounts lower than the account's available balance and/or the card's daily ATM withdrawal limit will be available for selection in increments of $20.)
4. Select your preferred receipt type: Email Receipt, Paper Receipt or No Receipt.

Please note:

• If cash is not picked up within 24 hours the Mobile Banking app setup for your ATM withdrawal will expire.
• Setting up your withdrawal in the Mobile Banking app doesn't deduct or hold funds in your account. Funds are debited from your account when you complete your withdrawal at any Bank of America ATM.
• The available balance in your account is confirmed during setup, but if funds are no longer sufficient to complete your withdrawal at the time of pickup your transaction may be declined.
• You don't need to be logged in to the Mobile Banking app in order to pick up your cash.
• Once you arrive at a Bank of America ATM, insert your card into the card reader (the same card you selected when setting your withdrawal up in the app), tap your contactless card on the contactless reader or hold your mobile device's digital wallet over the contactless reader. Follow the ATM on-screen prompts to enter your debit card PIN and pick up your cash. Please note that if you're using a digital wallet, you must have your debit card selected. See how to use your digital wallet at the ATM

Making transfers and credit card payments at an ATM

Show all answers

How do I transfer money at an ATM?

You can transfer money between your Bank of America accounts once you have linked these accounts to your ATM/debit card for ATM access. Visit your local financial center or contact customer service for assistance linking or unlinking your accounts.

Once accounts are linked, select Make transfer from the ATM main menu, and then simply select the account from which you want to transfer money and the account into which you want the money to go. Next, enter the dollar amount of the transfer. There may be charges or fees associated with certain types of transfers, so be sure to review all disclosures presented on the ATM screens before continuing with your transfer.

How do I make a payment to my credit card or home equity line of credit at the ATM?

You can make Bank of America credit card payments at our ATMs with only your Bank of America credit card, using a check or cash. Simply visit your local Bank of America ATM, insert your credit card and select Make a Payment. Please note that payments to business credit cards are not supported at this time.

If your credit card or home equity line of credit account is linked to your ATM/debit card, you can also make a payment at the ATM using the Make Transfers option. Simply select a checking or savings account as the Transfer FROM account and your credit card or home equity line of credit account as the Transfer TO account.

Customizing your ATM experience

Show all answers

How do I set my ATM preferences?

To customize your ATM experience, visit any Bank of America ATM and start your transaction as you normally would. Select View more from the main menu, then Manage preferences. You'll be able to customize your ATM experience in the following ways:

Cash preference amount is an amount that appears on the PIN entry screen and also on "How much cash do you want?" during a Get cash withdrawal selected from the ATM's main menu. Setting a Cash preference amount helps to speed up your withdrawal if you commonly withdraw a preferred dollar amount.

Receipt preference allows you to select one of the following options, which applies to all transactions:

• No preference, always ask (choose this option if you prefer receiving your receipt via email)
• Always print
• No receipt

Language preference allows you to select one of the following languages which applies to your entire ATM experience:

• English (US)
• Spanish (US)
• Traditional Chinese (Taiwan)
• French (Canada)
• Korean
• Portuguese (Brazil)
• Russian

Audio screen display provides you with the option to either blank or display your screens during your voice-guided transactions if you're using earbuds or headphones at our Audio ATMs. Learn more about Accessible Banking

Can I change my PIN at the ATM?

Yes. Simply start your transaction as you normally would, select View more from the main menu and then Change PIN. You must correctly enter your current PIN before you can create a new PIN.

Getting email receipts at an ATM

Show all answers

Can I have ATM receipts sent to my email?

Yes, email receipts can be requested during eligible ATM transactions if you have at least one email address saved as part of your Mobile or Online Banking contact information and you're conducting a transaction using your Bank of America consumer debit/ATM card.

Email receipts are available for withdrawals (including Fast Cash and withdrawals started in the Mobile Banking app), cash deposits, some check deposits and transfers. If you want a receipt with check images for your check deposits, you must choose a printed receipt. To protect your information, ATM email receipts do not contain your full account or card numbers.

How do I validate the accuracy of my email address before choosing to receive an ATM email receipt?

To help protect your information, your email address will be partially hidden on the ATM screen. For example, will appear as j****. On the Receipt Options screen, you're given the opportunity to Show your full email address prior to selecting an email receipt. This will allow you to validate your email address.

If you have more than one email address associated with your bank accounts, you're able to choose another email address during your ATM transaction by selecting Change on the Receipt Options screen. For each eligible transaction, only one email address can be selected to receive an email receipt.

How do I add or remove email addresses presented at the ATM?

To update your contact information and manage the email addresses associated with your bank accounts, log in to Online Banking or the Mobile Banking app and select Profile & Settings. You may also contact customer service or visit a financial center for assistance with updating your contact information.

If your email address requires updating, you should not request an email receipt. Instead, select Print or No Receipt. Updates made to your email addresses in the Mobile Banking app, in Online Banking or by calling or visiting us will be reflected during future ATM transactions.

Using contactless ATMs

Show all answers

How do I use my digital debit card in my digital wallet at a Bank of America ATM?

All Bank of America ATMs have a contactless reader in addition to a standard card reader. Using the contactless reader, Bank of America debit cardholders can begin ATM transactions using a smartphone or other contactless device by following these steps:

1. Select your Bank of America digital debit card in your digital wallet. (Bank of America digital credit cards are not currently eligible for digital wallet ATM transactions.)
2. Hold your phone, or other contactless device, over the contactless symbol on the ATM to access the digital debit card in your digital wallet.
3. When prompted, enter your debit card PIN using the ATM keypad and start your transaction. Learn more about digital wallets

Troubleshooting ATM issues

Show all answers

How do I submit a claim for an incorrect ATM deposit or withdrawal?

If your card was issued by Bank of America and you received the incorrect amount of cash or your deposit amount and/or receipt information is inaccurate, call 844-401-8500 and select option 2. Please provide as much information as possible about your transaction to assist us with researching and resolving your claim. Useful information may include a description of what occurred during your transaction at the ATM, the ATM ID or location of the ATM, and the date/time and amount of your transaction.

If your card was not issued by Bank of America and you received the incorrect amount of cash, contact the company who issued your card for assistance.

What if the ATM doesn't return my card or I leave my card in the ATM?

If the ATM is located at a full-service financial center, call the financial center directly and an associate will be able to help you. If the ATM is not located at a full-service financial center and your card was issued by Bank of America, the options for requesting a replacement card are:

• Visit a local financial center
• Request a replacement card by phone
• Request a replacement card online
• Report a lost card in the mobile app:
  1. Log in to the Mobile Banking app
  2. Select Menu
  3. Select Manage Debit/Credit Card
  4. Select the card you wish to report lost
  5. Verify your identity and a replacement card will be sent to you. While awaiting the arrival of your replacement card, your digital wallet typically remains active and can be used during this time. Learn more about digital wallets

If your card was not issued by Bank of America and the ATM took your card, contact the company who issued your card for assistance.

Using ATMs in foreign countries

Show all answers

What tips can you give me for using an ATM in foreign countries?

Here are five tips for using ATMs in foreign countries:

1. Check the network
You can use your Bank of America debit card or ATM card anywhere you see the CIRRUS symbol. In addition to CIRRUS, you can use ATMs with the Mastercard or Visa symbols. The symbol on the front of your card will indicate if your card is Mastercard or Visa.
Find a Mastercard/CIRRUS ATM layer
Find a Visa ATM layer

2. Understand the types of fees being charged.
The non-Bank of America ATM usage fee is $5. This fee is assessed for each withdrawal, transfer or balance inquiry performed at a non-Bank of America ATM in a foreign country. In addition, the ATM operator may charge an access fee for cash withdrawals. Your deposit account statement will reflect the U.S. dollar equivalent of your foreign ATM withdrawal. Bank of America will assess an international transaction fee of 3% of the U.S. dollar amount for all ATM withdrawals processed in foreign currency. International ATM operators may offer to do your currency conversion for you, but they may charge a higher fee for conversion. To insure that your currency conversion does not incur a fee higher than the one stated above, you may refuse the ATM operator's offer to convert the amount of the transaction. The fee is assessed as a separate transaction fee on the posting date of the withdrawal.

3. Verify your PIN before you travel.
Most international ATM operators support up to 12-digit PINs. However, some ATM operators only support four-digit PINs. Be sure your PIN does not start with a zero. Be sure to know your PIN by numbers, as some ATMs outside the United States don't have letters on the keypad. If necessary, change your PIN before traveling to a foreign country. See how to change your PIN

4. Some international ATMs have limited functions.
All international ATM operators will provide you with withdrawal access from your primary checking account, but some may not offer access to your savings account or the ability to conduct transfers and balance inquiries. Some international ATMs are only available during normal business hours. Some international ATMs may not offer instructions in English.

5. Have a backup plan.
Systems used by international banks may occasionally be unavailable while you're traveling, so there's a possibility you won't be able to use your card when you need to at an ATM or to make a purchase. In addition to using your debit or ATM card while traveling, consider also taking some foreign currency with you. Learn more about ordering foreign currency

Should I get foreign currency before I travel?

Many travelers find it helpful to have local currency immediately upon arrival in a foreign country for tips, taxis and other miscellaneous expenditures. Some airports and train stations do not have foreign exchange offices; if they do, they may have limited hours of operation and may charge higher rates for currency exchange.

Bank of America clients with checking and savings accounts can order foreign currency using Online Banking or the Mobile Banking app. Customers with credit cards only can order currency at a financial center. Learn more about ordering foreign currency

ATM safety tips

Show all answers

The suggestions that follow offer some simple tips on protecting your card and PIN and on exercising care when using an ATM. Please review them carefully.

Protect your ATM card and personal identification number (PIN)

• Always protect your card by keeping it in a safe place. If your card is lost or stolen, contact us immediately.
• Memorize your PIN. Do not write it on your card, keep it in your wallet or give it to anyone.
• If you choose your own PIN, avoid using numbers for your PIN that are easily identified (for example, birthdates, telephone numbers and addresses).
• Never give your PIN to anyone or information about your card over the telephone, email or the internet, unless to a trusted merchant in a call or transaction you initiated. If someone asks for this information, refuse and immediately contact us.
• Carefully review your account statements and report any fraudulent transactions immediately.

Be aware of your surroundings at ATMs

• Be aware of people and your surroundings before, during and after you use an ATM, particularly at night. If you think it is unsafe, press Cancel, leave immediately and visit another ATM.
• If you must use an ATM at night, take someone with you.
• When using an ATM with a door that requires card access, close the entry door completely upon entering and exiting and do not open the door for anyone you don't know.
• When using a drive-up ATM, keep your engine running, doors locked and only the driver's window open during the transaction.
• The activity around Bank of America ATMs may be monitored or recorded by surveillance cameras.

Protect your privacy

• Shield the keypad with your hand or body while entering your PIN at an ATM.
• Put your card, cash and receipt away immediately after completing your transaction. Do not display or count your cash at the ATM.

Request emergency assistance

If you need emergency assistance, call 911 from the nearest telephone. Report all crimes immediately to law enforcement and your local financial center.

In all states except NY and NJ, direct concerns about the security of Bank of America ATMs to our Corporate Security Department by calling 800-222-7511.

New York

• Questions or complaints concerning security? Call our Security Department at 800-222-7511, or the New York Department of Financial Services at 888-697-2861.

New Jersey

• Questions or complaints concerning security? Call our Security Department at 800-222-7511, or the New Jersey Department of Banking at 609-292-7272.