If you ever need emergency cash, you can get cash from Bank of America Credit Card at an ATM by using the cash advance feature. Before you can do that, however, you’ll need to set up a PIN for your credit card. Without a PIN, most ATMs won’t allow you to withdraw cash.
This guide explains how to set up your PIN, how to use your card for cash advances, and what you should know before withdrawing money.
How to Get Cash from Bank of America Credit Card by Setting Up a PIN
The first step to get cash from Bank of America Credit Card is creating a PIN for your card.
Open the Bank of America app and scroll down past your bank accounts until you reach the Credit Cards section. If you have multiple credit cards, select the one you want to use for cash advances.
Once you’re viewing the card details:
- Scroll down to the Card Management section.
- Tap Change PIN.
- Enter a new four-digit PIN.
- Confirm the PIN by entering it again.
- Tap Change PIN to save it.
Your new PIN becomes active immediately, allowing you to use your credit card at compatible ATMs.
Why You Need a PIN
Most credit cards in the United States don’t require a PIN for everyday purchases. You can usually pay by tapping, inserting, swiping, or using a mobile wallet.
However, a PIN unlocks additional features, including the ability to get cash from Bank of America Credit Card through a cash advance at an ATM.
A PIN is also useful for:
- Using chip-and-PIN payment terminals while traveling internationally.
- Paying at unattended kiosks such as parking meters, train ticket machines, gas stations, and toll booths.
- Adding an extra layer of security when a PIN is required.
How to Use an ATM for a Cash Advance
Once your PIN has been created, you can use your credit card at participating ATMs.
Simply:
- Insert your Bank of America credit card into the ATM.
- Enter your four-digit PIN.
- Select the cash advance or withdrawal option.
- Choose the amount you wish to withdraw.
- Complete the transaction.
This is the primary way to get cash from Bank of America Credit Card whenever you need emergency funds.
Important Costs of Cash Advances
Before deciding to get cash from Bank of America Credit Card, it’s important to understand the costs involved.
Cash advances are typically much more expensive than regular credit card purchases because:
- A cash advance fee is usually charged, often between 3% and 5% of the amount withdrawn.
- The interest rate is generally higher than your standard purchase APR.
- Interest starts accumulating immediately, with no grace period.
For these reasons, cash advances are generally best reserved for genuine emergencies rather than everyday spending.
Tips for Choosing a Secure PIN
When creating your PIN, avoid combinations that are easy to guess, such as:
- 1234
- 0000
- Your birth year
- The last four digits of your Social Security number
Instead, choose a unique four-digit number that is meaningful to you but not based on publicly available personal information.
Store your PIN securely in a trusted password manager if needed. Avoid saving it in an unsecured phone note or writing it directly on your credit card.
What If You Forget Your PIN?
If you forget your PIN, you don’t need to contact customer service.
Simply return to the Change PIN option in the Card Management section of the Bank of America app and create a new PIN. The new PIN becomes effective immediately.
If you prefer, you can also select Send PIN by U.S. Mail, located just below the Change PIN option, to have your PIN mailed to you.
Final Thoughts
Learning how to get cash from Bank of America Credit Card is straightforward once you’ve set up your PIN. After enabling it through the Bank of America app, you’ll be able to withdraw cash advances from compatible ATMs whenever necessary.
While this feature can be extremely useful during emergencies or while traveling abroad, remember that cash advances come with higher fees and immediate interest charges. Using them only when truly needed can help you avoid unnecessary borrowing costs.
