Bank of America ATM Cardless Cash: How to withdraw money from ATM and Pay without debit card using digital wallet

Last Updated on July 1, 2024 by admin

Do you know that you can withdraw money from a Bank of America ATM or pay bills without your card? Yes it’s possible with cardless cash, you can cash your money from a Bank of America Cardless ATM machine without your Card.

We all know how painful it is to get to the ATM machine and remember that you forgot your card at home. Smile BOA cardless cash withdrawal saves you the stress of going to the back to pick your Card. When else you are in a financial trap and you forgot your card, follow the content to get your cash or pay without stress.

Since the introduction of mobile banking, financial service and transactions are now made easy, fast, secure and seamless. You can now enjoy digital banking service, cardless cash. This method is a faster, easier and secure way to pay, transfer and to withdraw cash by allowing you to simply use your phone instead of cash or your plastic credit card.

Customers can start an ATM withdrawal directly from their mobile banking app by simply logging into the app and selecting digital wallet  then desired amount to withdraw. When you arrive at the ATM, you can use your smartphone.

Read: Bank of America online banking and Mobile app: How to register, deposit check, transfer money and check statement of account

How can you withdraw cash or pay with Bank of America digital wallet

Bank of America digital wallet offers two main ways to withdraw cash or make payments:

1. Contactless ATMs:

• Add your Bank of America debit card to your digital wallet (Apple Pay, Google Pay, Samsung Pay).
• At a Bank of America ATM with the contactless symbol, select your debit card in your digital wallet.
• Hold your phone over the contactless symbol on the ATM.
• Enter your PIN on the ATM keypad.
• Choose the amount you want to withdraw or make a deposit.

2. In-App Purchases:

• Many apps (e.g., for buying food, ride-sharing, etc.) accept digital wallets.
• Look for the Apple Pay, Google Pay, or Samsung Pay logo within the app.
• Select your Bank of America card in your digital wallet at checkout.
• Authenticate the payment with your fingerprint, Face ID, or passcode.

How to Get cash without your bank of america card

While Bank of America emphasizes the convenience and security of their digital wallet, there are a few ways to get cash without your physical card in the United States:

1. Digital Wallet at Contactless ATMs:

• If you have your Bank of America debit card added to your digital wallet (Apple Pay, Google Pay, or Samsung Pay), you can use it at contactless-enabled ATMs:
  • Locate a Bank of America ATM with the contactless symbol.
  • Open your digital wallet and select your Bank of America debit card.
  • Hold your device near the contactless symbol on the ATM.
  • Enter your PIN as usual.

2. Over-the-Counter Withdrawal at a Branch:

• Visit a Bank of America branch with your valid government-issued ID (e.g., passport, driver’s license).
• Inform the teller that you want to withdraw cash without your card.
• Provide your account information and verification details.
• The teller will process your request and give you the cash.

3. Get Cash Back at Participating Retailers:

• When making a purchase at certain stores using your debit card (not your credit card), you can request cash back.
• The cashier will add the cash back amount to your total purchase and charge it to your debit card.
• You’ll receive the cash along with your receipt.

4. Cardless ATM Access (if enabled):

• Bank of America allows cardless ATM access through its mobile app.
• If you’ve set up this feature, you can use your phone to initiate a withdrawal at a Bank of America ATM without inserting your card.
• Check the app for specific instructions on how to use this feature.

5. Money Transfer Services (for emergencies):

• In urgent situations, you can have someone send you money through services like Western Union or MoneyGram.
• You’ll need to provide the sender with your name and location, and they will provide you with a tracking number.
• You can then collect the cash at a participating location by showing your ID and providing the tracking number.

How do I add a Bank of America card to my digital wallet?

You can easily add your Bank of America card to your digital wallet (Apple Pay, Google Pay, or Samsung Pay) by following these steps:

1. Open Your Digital Wallet: Locate the Wallet app on your device (e.g., Apple Wallet, Google Wallet, Samsung Pay).

2. Add Card:

   • Tap the “+” (plus) sign or the “Add Card” button.
   • Choose the option to add a debit or credit card.

3. Enter Card Details:

   • You can either manually enter your card information or use your device’s camera to scan the card.

4. Verify:

   • Bank of America will typically send you a one-time verification code through SMS or email.
   • Enter this code in the app to complete the verification process.

5. Success: Once verified, your Bank of America card will be added to your digital wallet, and you can start using it for contactless payments.

Also read: Bank of America Small Business Loans & Financing: requirements and How to apply

How to Add your bank of America card to Apple pay

How to Initiate a Cardless ATM Withdrawal from Bank of America

How to lock Your Bank of America Digital wallet

If your device is lost or stolen and you cannot locate your device, you can lock or delete your bank of America digital cards  through the following process

1. Through the Bank of America Mobile App:

• Open the Bank of America mobile app and log in.
• Go to the “Menu” and select “Manage Debit Card/Credit Card”.
• Choose the card you want to lock and toggle the switch to “Lock.”
• You can also report a card as lost or stolen through the app.

2. Through Online Banking:

• Log into your Bank of America online banking account.
• Select “Digital Wallets & Virtual Cards” from the Profile & Settings menu.
• Select “Lock” next to the card you want to lock.

where can i use my Bank of America Digital wallet

You can use your Bank of America digital wallet in various places, including:

1. Contactless Payment Terminals:

• Look for the contactless symbol (typically a sideways Wi-Fi symbol) at stores, restaurants, gas stations, and other merchants.
• Hold your phone or device near the terminal to complete the transaction.

2. In-App Purchases:

• Many popular apps accept mobile wallets as a payment method.
• Look for the Apple Pay, Google Pay, or Samsung Pay icons in the app during checkout.

3. Online Purchases:

• Many online retailers accept digital wallets for payment.
• During checkout, look for the option to pay with Apple Pay, Google Pay, or Samsung Pay.

4. Bank of America ATMs:

• You can use your digital wallet at contactless-enabled Bank of America ATMs to withdraw cash or make deposits.
• Select your Bank of America debit card in your digital wallet and hold your phone near the contactless symbol on the ATM.

Frequently Asked Questions

Q: What is Bank of America Cardless Cash?

A: Cardless Cash is a service that allows Bank of America customers to withdraw money from ATMs without using their physical debit card. Instead, they can use their smartphone and the Bank of America mobile app to initiate the transaction.

Q: How does Cardless Cash work?

A: To use Cardless Cash: 1. Open the Bank of America mobile app. 2. Select the account you want to withdraw from. 3. Choose “Cardless Cash” and follow the on-screen instructions. 4. You will receive a one-time access code to enter at the ATM.

Q: Which ATMs support Cardless Cash?

A: Not all Bank of America ATMs support Cardless Cash. Look for ATMs with a contactless symbol or the Cardless Cash logo. You can also use the ATM locator in the mobile app to find compatible ATMs.

Q: Is Cardless Cash secure?

A: Yes, Cardless Cash is designed with security in mind. The one-time access code adds an extra layer of protection compared to using a physical card. Additionally, the app uses biometric authentication or a passcode for access.

Q: Can I use Cardless Cash if I don’t have a smartphone?

A: No, Cardless Cash requires the Bank of America mobile app, which is available for smartphones only.

Q: Is there a fee for using Cardless Cash?

A: Bank of America does not charge additional fees for using Cardless Cash. However, standard ATM fees may still apply depending on your account type and the ATM location.

Q: What if I lose my phone or it gets stolen? A: If you lose your phone or it gets stolen, you should immediately contact Bank of America to disable access to the mobile app and prevent unauthorized transactions.

Q: Can I use Cardless Cash with my savings account?

A: Yes, you can use Cardless Cash to withdraw from your checking or savings account as long as it is linked to the mobile app.

Q: What are the benefits of using Cardless Cash?

A: Cardless Cash offers several benefits:

• Convenience: You don’t need to carry your physical card.
• Security: Reduced risk of card skimming or theft.
• Accessibility: Available at many Bank of America ATMs.