Bank of America

Financial Services70% confidence

Bank of America is a large U.S.-based multinational bank offering consumer and commercial banking, credit cards, and investment services. The "Memorial Industrial" reference likely indicates a specific Bank of America ATM or facility location in the Memorial Industrial Park area of Springfield, Massachusetts.

Charlotte, North Carolina
bankofamerica.com

About Bank of America

Bank of America is one of the largest financial institutions in the United States, providing checking and savings accounts, credit and debit cards, consumer and auto loans, mortgages, and small-business and commercial banking services. It operates thousands of branches and ATMs nationwide, including walk-up and cardless ATMs in Springfield, Massachusetts. One such ATM is labeled "Memorial Industrial Park Remote" at 275 Cottage St, Springfield, MA, and the surrounding area is known as Memorial Industrial Park, an industrial district and transit stop in the city’s East Springfield neighborhood.

A card transaction descriptor such as "Memorial industrial PA SPRINGFIELD MA" is very likely referring to a Bank of America ATM or banking device located at or named after Memorial Industrial Park (for example, the "Memorial Industrial Park Remote" walk‑up ATM). In many bank statements, the descriptor shows the location name (Memorial Industrial), city (Springfield), and state (MA), but may omit the full bank name, making it look like a standalone business. Charges here are typically ATM cash withdrawals, balance inquiries that incur a fee, out‑of‑network ATM fees charged by Bank of America or your own bank, or deposits and credit card payments processed at that ATM.

If you are unsure about this charge, log in to your online or mobile banking and review the transaction details for any indication that it was an ATM withdrawal or fee from Bank of America, and compare the date and time with when you last used an ATM in the Memorial Industrial Park / East Springfield area. You can cross‑check by viewing your ATM receipts, recent cash withdrawals, or transaction alerts. If the activity still looks unfamiliar, contact the customer service number on the back of your card or visit a local Bank of America branch to dispute the charge, request a copy of the transaction record, or initiate a fraud investigation. Bringing your statement and any ATM receipts for the relevant dates will help resolve questions more quickly.

Bank Statement Variations

3 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to Bank of America.

  1. MT10985 BOFA GAR DES:WA COL ID:2105
  2. Memorial industrial PA SPRINGFIELD MA
  3. what is BOA cc:3180001089 CashID783 Date 08/11/26 Seq#0001CorrelationID23560811215506 DeviceID:DCA35118 Trans#:3872 LTPS DAL PT

Frequently Asked Questions

Why does my statement show a charge from "Memorial industrial PA SPRINGFIELD MA" instead of Bank of America?

Many ATM and terminal transactions are labeled by their physical location name rather than the full bank name. In this case, "Memorial industrial" refers to Bank of America equipment at or near the Memorial Industrial Park location in Springfield, MA (e.g., the Memorial Industrial Park Remote walk‑up ATM). The underlying merchant is Bank of America, but the descriptor shows the site name.

What types of transactions could appear as a Memorial Industrial Park ATM charge from Bank of America?

Typical transactions include cash withdrawals, ATM convenience checks, deposits, credit card or loan payments, and related ATM or out‑of‑network fees. If you used an ATM in the Memorial Industrial Park/East Springfield area around the transaction date, the charge likely corresponds to that activity.

How can I confirm whether this Memorial Industrial Park charge is from my own ATM use?

Log in to your Bank of America online or mobile banking, open the transaction details, and look for indicators such as "ATM Withdrawal" or "ATM Fee" along with the date and approximate time. Compare this with any receipts, text/email alerts, or your memory of using an ATM near Memorial Drive or Cottage Street in Springfield, MA.

Can Bank of America place small temporary holds related to Memorial Industrial Park ATM transactions?

Yes. When you use an ATM, especially for balance inquiries or certain card validations, you may see small pending amounts or temporary holds. These are usually reversed automatically within a few business days and should not post as permanent charges.

What should I do if I don’t recognize a Memorial Industrial Park ATM charge on my card?

First, verify with anyone else authorized to use the card (spouse, family member, employee) to see if they used an ATM in that area. If no one recognizes it, contact the number on the back of your card or visit a Bank of America branch immediately to report possible fraud, block the card, and dispute the transaction.

Can I get a refund for an incorrect ATM fee from the Memorial Industrial Park location?

If you believe an ATM fee was charged in error—for example, you were double‑charged or the transaction failed—contact Bank of America support with the date, time, and amount of the transaction. In some cases, they can investigate the ATM logs and may credit the fee back to your account if it was incorrectly applied.

How can I avoid unexpected Bank of America ATM fees at locations like Memorial Industrial Park?

Use in‑network Bank of America ATMs whenever possible, check your account’s fee schedule to understand what ATM fees apply, and enable transaction alerts so you’re notified about withdrawals and fees in real time. If you frequently use ATMs, consider an account type that offers fee waivers for out‑of‑network withdrawals.

Is the Memorial Industrial Park ATM available 24/7?

The specific Bank of America "Memorial Industrial Park Remote" walk‑up ATM at 275 Cottage St in Springfield, MA is listed as open 24 hours a day, although access may depend on building or area restrictions at night. Always check posted hours at the ATM or on Bank of America’s ATM locator before visiting.

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