Bank of America has over 3,800 branches and 15,000 ATMs across the United States, making it one of the most accessible banks in the country. Finding a location takes seconds using the BofA Branch Locator or mobile app — and most everyday banking can be done without visiting at all.
See the full Bank of America guide for account details, fees, and contact information.
How to Find a Bank of America Branch or ATM Near You
Three fastest methods:
- BofA Branch Locator: Visit bankofamerica.com/locator and enter your zip code or city
- BofA Mobile Banking app: Tap “Find” at the bottom of the app — GPS shows the nearest branches and ATMs in real time
- Google Maps or Apple Maps: Search “Bank of America near me” — results show hours, ratings, and whether the location is currently open
The locator lets you filter by branch services (drive-through, safe deposit boxes, coin counting) and ATM features (deposit-capable, accessibility, drive-up).
Financial Centers vs. ATM-Only Locations
Not every BofA location is a full-service branch. Bank of America distinguishes between:
| Location Type | What It Offers |
|---|---|
| Financial Center | Full branch services: tellers, account opening, loans, safe deposit |
| ATM-Only Location | Cash withdrawals, deposits, balance checks — no staff |
| Drive-Through ATM | Same as ATM-only but vehicle-accessible |
| In-Store Branch | Located inside Safeway or other retailers; limited hours |
When searching the locator, select “Financial Center” if you need to speak with a teller or banker. ATM-only locations are fine for cash needs or quick deposits.
Bank of America Branch Hours (Typical)
| Day | Typical Hours |
|---|---|
| Monday | 9:00 AM – 5:00 PM |
| Tuesday | 9:00 AM – 5:00 PM |
| Wednesday | 9:00 AM – 5:00 PM |
| Thursday | 9:00 AM – 6:00 PM |
| Friday | 9:00 AM – 6:00 PM |
| Saturday | 9:00 AM – 2:00 PM |
| Sunday | Closed (some urban locations open 10 AM–2 PM) |
High-traffic and urban locations often have longer hours. BofA ATMs are open 24 hours a day, 7 days a week. For holiday closures, see Bank of America hours — branches close on all 11 federal bank holidays.
Bank of America ATM Fees
| ATM Type | Fee for BofA Customers |
|---|---|
| Bank of America ATM | Free |
| Global ATM Alliance partners* | Free or reduced fee |
| Non-network ATM (domestic) | $2.50 per transaction |
| Non-network ATM (international) | $5.00 per transaction |
| ATM owner surcharge | Additional fee set by ATM operator |
*Global ATM Alliance partners include Barclays (UK), BNP Paribas (France/Europe), Deutsche Bank (Germany/Europe), Scotiabank (Canada/Latin America), and others — useful for international travel.
Preferred Rewards members at Platinum and Platinum Honors tiers receive waivers on out-of-network ATM fees. For the full daily withdrawal limits by account type, see Bank of America ATM limits 2026.
Bank of America Daily ATM Withdrawal Limits
| Account Type | Daily ATM Limit |
|---|---|
| Advantage SafeBalance | $1,000 |
| Advantage Plus / Core Checking | $1,000 |
| Advantage Relationship Banking | $2,000 |
| Business accounts | Varies by account |
To request a temporary limit increase, call Bank of America customer service at 1-800-432-1000 or visit a branch with valid photo ID.
Services Available at BofA Branches
Most Financial Centers offer:
- Account opening — checking, savings, CDs, IRAs, brokerage
- Cash deposits and withdrawals (teller and ATM)
- Cashier’s checks and money orders
- Notary services
- Wire transfers (see Bank of America transfer limits for limits and fees)
- Safe deposit boxes (select locations)
- Home loan and refinance consultations
- Small business banking
- Merrill Edge investment meetings (no charge at participating locations)
When Do You Actually Need to Visit a Branch?
Most Bank of America services are available online or in the app. Here is when a branch visit is genuinely necessary versus optional:
| Task | Branch Required? | Alternative |
|---|---|---|
| Open a checking or savings account | No | Online at bankofamerica.com |
| Deposit a check | No | Mobile deposit in BofA app |
| Set up direct deposit | No | Online — need routing number |
| Transfer money | No | Online banking or Zelle |
| Get a cashier’s check | Yes | No reliable alternative |
| Access a safe deposit box | Yes | In-person only |
| Notarize a document | Yes | Or find a third-party notary |
| Large cash deposit (over $10,000) | Recommended | ATM limit may be lower |
| Dispute a complex fraud case | Sometimes | Phone 1-800-432-1000 works for most |
| Mortgage closing | Yes | Required by law |
If you need a cashier’s check or access to a safe deposit box, verify the branch has availability by calling ahead or scheduling through the BofA app.
States Where Bank of America Has Branches
Bank of America branches are present in 37 states and Washington DC. States without BofA retail locations include many rural states in the Great Plains and Mountain West. Customers in those states can:
- Bank fully online at bankofamerica.com
- Use the BofA Mobile Banking app (mobile check deposit, transfers, bill pay, Zelle)
- Access cash at partner ATMs with reduced fees
- Call BofA customer service at 1-800-432-1000 for account needs
What to Do If There Is No Bank of America Near You
If you are in an area without a BofA branch and need in-person services:
For cash deposits: BofA does not partner with retail stores for cash deposits (unlike Chime or SoFi). Your options are: use a BofA ATM if one is within reach, or mail a money order for remote deposit.
For cashier’s checks: Order online through BofA’s website — they can mail it, though this takes several days. Alternatively, use a local bank or credit union for the same service.
For large cash needs: Plan ahead and withdraw at a BofA ATM before leaving an area with access. See ATM withdrawal limits for how much you can take out per day and how to request a temporary increase.
Opening a Bank of America Account Without Visiting a Branch
New accounts can be opened fully online at bankofamerica.com in minutes:
- Choose your account type — Advantage Plus Checking is the most common
- Enter your personal information and Social Security number
- Upload or photograph your government-issued ID
- Fund the account via bank transfer or debit card
Most applications are approved instantly. You do not need a nearby branch to become a BofA customer.
Related Guides
- Bank of America Complete Guide 2026 — accounts, fees, and limits overview
- Bank of America Hours 2026 — full holiday and branch hour schedule
- Bank of America ATM Limit 2026 — daily withdrawal caps by account
- Bank of America Fees 2026 — monthly fees, ATM fees, and overdraft charges
- Bank of America Customer Service 2026 — phone numbers and contact guide
- Bank of America Routing Number 2026 — ABA numbers by state
- Bank of America Transfer Limits 2026 — ACH and wire limits
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