Check Cashing ATM Bank of America Services and Features Overview

Bank of America offers a convenient way to cash checks through its ATMs.

You can use your Bank of America debit card to withdraw cash from a check at any Bank of America ATM.

Bank of America ATMs are available 24/7, allowing you to cash a check at any time.

You can find a Bank of America ATM near you by using the bank's locator tool on its website or mobile app.

To cash a check at a Bank of America ATM, you'll need to have a Bank of America debit card and a valid government-issued ID.

The check must also be drawn on a Bank of America account or a participating bank.

To use a Bank of America ATM for check depositing, you'll need to be a checking or savings account holder. The bank will provide you with a debit card, which you'll use to access your account.

You'll need to endorse your check by signing it on the back, just as you would for any check deposit. There's no need to bring a deposit slip with you.

To make a deposit, select "Deposit" then "Checks" on the ATM screen. If you have more than one check to deposit, endorse them all before proceeding.

Most Bank of America ATMs have a limit of 10 checks per deposit. The ATM will prompt you to insert the checks into a special slot, and then it will verify the amount of each check.

You'll need to wait until the ATM finishes verifying the checks before completing the deposit. If you deposit more than one check, the ATM will display an image of each one so you can verify the amounts.

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If the ATM rejects your check, it's likely due to a problem with the check itself. Checks produced on a home printer won't be accepted by BOA machines.

Make sure the account and routing number are printed with embedded magnetic ink to avoid rejection. Extensive wrinkles or folds can also make it difficult for the ATM to read and process your check.

Inserting a check face down usually results in rejection, so try it again with the check face up.

Bank of America's ATM check deposit process is convenient, but it's essential to understand how it works. You can receive credit for your BOA ATM check deposit on the same day if you complete the transaction by 8 p.m. on any business day.

However, the funds may not be immediately available as cash would be. Factors like the type of checks, the issuer, and your account terms determine how soon you have access to funds represented by your checks.

To avoid common checking account fees, you can opt for the Bank of America Advantage Plus Banking account. However, be aware that the account comes with a $12 monthly fee and an overdraft fee of $10 per item.

You can waive the monthly fee by meeting one of these requirements each statement cycle:

If you deposit a check at a Bank of America ATM by 8 p.m. on a business day, you'll receive credit for the deposit on the same day.

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The credit is not always the same as having immediate access to the cash, though. The type of checks, the issuer, and your account terms can all impact how soon you can use the funds.

You'll receive credit for the deposit on the same day, but the actual availability of the funds may be delayed.

The fees associated with the Bank of America Advantage Plus Banking account can add up quickly.

A $12 monthly fee is standard, but there are ways to waive it. You can avoid this fee by having at least one qualifying direct deposit of $250, maintaining a minimum daily balance of $1,500 or more, or being a Preferred Rewards client with a minimum qualifying combined balance of $20,000.

The overdraft fee is $10 per item, and you can incur a maximum of four per day. This fee applies to transactions over $1.

If you're prone to overdrafts, consider signing up for overdraft protection with Balance Connect, which can authorize transfers from a linked Bank of America savings or secondary checking account to avoid this fee.

Bank of America has a large network of fee-free ATMs, but using a non-Bank of America ATM will cost you $2.50 per U.S. transaction, with a $5 charge for foreign country transactions.

The ATM operator may also charge an additional fee.

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You might be wondering if you can deposit a check that's not in your name. You may be able to cash a check that's not in your name, but you'll need to clarify the bank's third-party check cashing policy.

The person whose name is on the "Pay to" line on the check might be required to come with you to the bank, for example. They may need to sign the check over to you by writing "Pay to the order of" underneath their own endorsement on the back of the check.

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