Using Your Capital One Card at Bank of America ATMs

Capital One cards work at most Bank of America ATMs, but the fees depend on your card type and account status

You can withdraw cash from a Bank of America ATM using a Capital One credit card or debit card. However, Capital One does not own or operate Bank of America's ATM network, so you will pay an out-of-network fee unless you have specific account features that waive it. The fee typically ranges from $2 to $3 per transaction, charged by Bank of America, and Capital One may add its own fee on top of that.

If you have a Capital One 360 checking account (Capital One's online bank), you get fee-free access to a larger ATM network through a partnership, but Bank of America ATMs are not included in that network. The fee-free network includes ATMs at Allpoint, MoneyPass, and other third-party operators, but not traditional bank branches.

Key Takeaways

Bank of America ATMs will accept your Capital One card, but you will pay an out-of-network fee of $2 to $3 per withdrawal.
Capital One 360 checking accounts include fee-free ATM access through Allpoint and MoneyPass networks, which do not include Bank of America locations.
To avoid fees, use Capital One's own ATM network or partner ATMs, which you can find through the Capital One mobile app or website.
Both your Capital One card issuer and Bank of America may charge separate fees for the same withdrawal, so the total cost could be higher than one fee alone.

How out-of-network ATM fees work with Capital One cards

When you use an ATM that is not part of your card issuer's network, two separate fees can apply. Bank of America charges you a fee for using their machine (typically $2 to $3), and Capital One may charge you an additional fee for using an out-of-network ATM. The exact amount depends on your specific Capital One product — some cards charge $1 to $2 per out-of-network withdrawal, while others may not charge an additional fee beyond what Bank of America takes.

You should see the fee amount on the ATM screen before you confirm the withdrawal. If you do not want to pay the fee, you can cancel the transaction at that point. The fee will only be charged if you complete the withdrawal.

Finding fee-free ATMs for Capital One cardholders

Capital One maintains its own ATM network, and cardholders can withdraw cash for free at those locations. The easiest way to find a Capital One ATM near you is through the Capital One mobile app or the Capital One website — both have ATM locators that show you the closest fee-free options.

If you have a Capital One 360 checking account, you also get access to the Allpoint and MoneyPass ATM networks at no charge. These networks include thousands of ATMs at grocery stores, convenience stores, and other retail locations, which are often more convenient than bank branches. You can search for these ATMs through the Capital One 360 app or through the Allpoint and MoneyPass websites directly.

Differences between Capital One credit cards and debit cards at ATMs

Capital One credit cards and Capital One debit cards are treated differently at ATMs. With a credit card, you are taking a cash advance, which may trigger additional fees beyond the ATM fee — Capital One typically charges a cash advance fee (usually 3% to 5% of the amount withdrawn) plus interest that starts accruing immediately. With a debit card, you are withdrawing your own money, so you only pay the ATM fee and no cash advance fee.

If you need cash, using a Capital One debit card at a Bank of America ATM is cheaper than using a credit card, even though both will charge the out-of-network fee. The real savings come from using a Capital One ATM or a partner network ATM instead.

What to do if you need cash and do not have access to a Capital One ATM

If you are away from a Capital One ATM and need cash, you have a few options. You can withdraw cash at a Bank of America branch by showing your Capital One debit card and a photo ID — this is free and does not trigger an ATM fee, though you may need to make a small purchase or have a Bank of America account to do so. Some Bank of America branches will allow this, but policies vary by location, so call ahead.

You can also get cash back at any retail store that accepts your Capital One card — grocery stores, pharmacies, and other merchants typically offer this service for free when you make a purchase. This is often the cheapest option and does not require you to find an ATM at all.

Frequently Asked Questions

Will Bank of America ATMs reject my Capital One card?

No. Bank of America ATMs will accept Capital One debit cards and credit cards. The machine will process your withdrawal, but you will be charged an out-of-network fee by Bank of America and possibly by Capital One as well.

Can I avoid the fee by using a different type of Capital One account?

Capital One 360 checking accounts include fee-free ATM access through Allpoint and MoneyPass networks, but not at Bank of America. If you want to avoid fees entirely, use those partner networks instead of Bank of America ATMs.

Is the fee the same every time I use a Bank of America ATM?

Bank of America's fee is typically consistent ($2 to $3), but Capital One's fee varies by card product. Check your cardholder agreement or contact Capital One to confirm what you will be charged for out-of-network ATM use.

Do I pay a fee if I check my balance at a Bank of America ATM?

No. Most ATMs only charge a fee when you withdraw cash or perform a transaction that moves money. Checking your balance is free at any ATM, including Bank of America locations.

This guide is for general information only and is not medical, financial, legal, or other professional advice. For decisions specific to your situation, consult a qualified professional. See our Editorial Policy.