Use your smartphone to withdraw money from a Bank of America ATM

Use your smartphone to withdraw money from a Bank of America ATM
So let's say that you need cash and you want to withdraw funds from your Bank of America account. As you approach the ATM machine, you remember that you left your debit card at home. Is this a wasted trip? Not if you have Apple Pay, Samsung Pay or Android Pay. More specifically, you will need to have your Bank of America debit card in your digital wallet.

Once you select the Bank of America card from your digital wallet, hold your phone over the NFC symbol on the ATM. That allows you to access your card with the touch of your finger. Punch in your PIN number on the ATM keyboard, and the machine will soon spit out your cash. Keep in mind that not all Bank of America ATM's will work yet with these mobile payment services. The Bank of America ATM's that are compatible with Apple Pay, Samsung Pay and Android Pay feature the NFC symbol on them.

To get your phone ready to work at Bank of America's ATM, you must first decide which mobile payment service you will use. Obviously, this depends on the platform you are using. Those with an Apple iPhone 6, Apple iPhone 6 Plus, Apple iPhone 6s, Apple iPhone 6s Plus and Apple iPhone SE can employ Apple Pay, and those with certain NFC enabled Android powered handsets have Android Pay to use. If you have a Samsung Galaxy Note 5, Samsung Galaxy S6, Samsung Galaxy S6 Active, Samsung Galaxy S6 edge, Samsung Galaxy S6 edge+, Samsung Galaxy S7, Samsung Galaxy S7 Active and Samsung Galaxy S7 edge, you can use Samsung Pay.

Once you select the platform you will be using, upload your Bank of America debit card to the digital wallet associated with your mobile payment service. While there aren't that many ATM machines that work with your handset right now, by the end of the year you should be able to deplete your Bank of America account from almost any of the institutions' ATM machines in the U.S.

source: BankofAmerica, Reddit via Engadget



1. WillieFDiaz

Posts: 127; Member since: Dec 22, 2010

We have these next to my work, and I was wondering if they worked. I'm not with BofA though.

2. davidsmith

Posts: 62; Member since: Mar 09, 2016

They announced the feature a few months ago. One of the test markets is Charlotte,

3. joey_sfb

Posts: 6794; Member since: Mar 29, 2012

Extra steps that don't add value to an experience. I would stick with ATM card, thank you.

7. LionStone

Posts: 1048; Member since: Dec 10, 2010

Where is the extra step?

9. duartix

Posts: 311; Member since: Apr 01, 2014

You have to register, you have to add a pay service to your phone, you have to pair the phone to the ATM. You are right, it's not an extra step, it's several. It's a step in the right direction to defeat ATM skimmers though.

4. deewinc

Posts: 455; Member since: Feb 21, 2013

This has existed in Kenya for ages and its not limited to smartphones. Basically, any phone can get the job done in seconds.

5. AlikMalix unregistered

Already used it - works well... Used Apple Pay at the GasPump at Shevron the other day too... Wooop... !!! The only place still waiting to add Apple Pay is Home Depot - and I can leave my wallet at home... Even the tiny Mom-&-Pop surveying shop where I print my House Plans Blueprints accepts ApplePay...

6. Landon

Posts: 1245; Member since: May 07, 2015

Gas stations and ATM's are the only places I can't use Samsung Pay. Let's change this, America!

8. krystian

Posts: 423; Member since: Mar 16, 2016

Windows 10 mobile now supports this too. :) Bank of America app came out fully functional and MS updated the wallet app to make use of it. It's already been tested even though it's in the insider preview builds.

10. eaglepx

Posts: 1; Member since: Aug 10, 2018

How come BOA is not enabling the IPhone X to withdraw cash from its ATM’s??? You have to own an older model phone to keep up with technology?

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