Bank of Fukuoka cash cards can be used at ATMs in major convenience stores nationwide, making them extremely convenient for daily financial transactions. However, fees vary depending on the type of convenience store ATM and the time of day, so understanding the system is essential to save on fees. This article provides a detailed explanation of the fees, operating hours, and available services like transfers when using a Bank of Fukuoka card at convenience store ATMs (Seven-Eleven, Lawson, FamilyMart, Ministop). Furthermore, it introduces how to waive fees by utilizing the benefits of the “mybank+” points service.
- A Comprehensive Guide to Convenience Store ATMs That Accept Bank of Fukuoka Cash Cards
- [By Convenience Store] Details for Using Bank of Fukuoka: Fees, Operating Hours, and Services
- How to Get Free Convenience Store ATM Fees with mybank+ Benefits
- Common Precautions When Using Bank of Fukuoka at Convenience Store ATMs
- Transaction Limits: Daily and Per-Transaction Ceilings for Withdrawals, Deposits, and Transfers
- Handling of Coins: Not Supported for Withdrawals or Deposits at Convenience Store ATMs
- Use of Passbooks: Not Usable for Updates or Transactions at Convenience Store ATMs
- How to Check System Maintenance Times
- PIN Management and ATM Security
- Q&A on Using Bank of Fukuoka at Convenience Store ATMs
- Q1. When do the mybank+ convenience store ATM fee benefits become effective?
- Q2. Are the fees the same for cards from Kumamoto Bank or Juhachi-Shinwa Bank?
- Q3. Are the fees for a Bank of Fukuoka debit card the same as for a cash card?
- Q4. Can a corporate cash card be used at convenience store ATMs? Are the fees different from those for individual customers?
- Q5. If I make a transfer at a convenience store ATM, when will it be reflected in the recipient’s account?
- Q6. What are the fees and operating hours during the year-end/New Year and Golden Week periods?
- Q7. Do users of Bank of Fukuoka Direct Banking (internet banking) receive fee waivers?
- Q8. If my Bank of Fukuoka cash card doesn’t work at a convenience store ATM, what are the possible reasons?
A Comprehensive Guide to Convenience Store ATMs That Accept Bank of Fukuoka Cash Cards
Bank of Fukuoka cash cards can be used across Japan’s extensive convenience store ATM network. First, let’s get an overview of which ATMs are partnered with which convenience stores.
Partner ATMs Available at Major Convenience Store Chains (7-Eleven, Lawson, FamilyMart, Ministop)
The following ATMs are installed in major convenience store chains, where you can use your Bank of Fukuoka cash card.
- 7-Eleven: Seven Bank ATM
- Lawson: Lawson Bank ATM
- Family Mart: E-net ATM (*Excludes some stores)
- Ministop: AEON Bank ATM
Bank of Fukuoka Cash Card Compatibility at Seven Bank, Lawson Bank, E-net, and AEON Bank ATMs
At the partner ATMs listed above, basic services such as withdrawals, deposits, transfers, and balance inquiries are available for Bank of Fukuoka cash cards. However, fees and some service details vary depending on the ATM used, the time of day, and the application of “mybank+” preferential services described later. As a general rule, you cannot use your passbook at these ATMs.
[By Convenience Store] Details for Using Bank of Fukuoka: Fees, Operating Hours, and Services
From here, we will detail the specific fees, available hours, and services when using a Bank of Fukuoka cash card at each convenience store ATM.
*All fees are tax-inclusive. The following are the standard fees when “mybank+” benefits are not applied. Information is current as of June 2025.
Using Bank of Fukuoka at 7-Eleven (Seven Bank ATM)
Main Available Transactions
- Withdrawals
- Deposits
- Transfers
- Balance Inquiries
- Smartphone ATM
Withdrawal & Deposit Fees: Fee Table by Time Slot for Weekdays, Weekends & Holidays
| Day | Time Slot | Fee |
|---|---|---|
| Weekdays | 8:45 AM – 6:00 PM | 110 yen |
| Weekdays | Other times | 220 yen |
| Saturdays, Sundays & Holidays | All day | 220 yen |
Transfer Fees: To Bank of Fukuoka Branches & To Other Banks
| Destination | Transfer Amount | Fee |
|---|---|---|
| To Bank of Fukuoka, Kumamoto Bank, Juhachi-Shinwa Bank, Fukuoka Chuo Bank, Minna no Ginko | Under 30,000 yen | 55 yen |
| To Bank of Fukuoka, Kumamoto Bank, Juhachi-Shinwa Bank, Fukuoka Chuo Bank, Minna no Ginko | 30,000 yen or more | 165 yen |
| To other banks | Under 30,000 yen | 330 yen |
| To other banks | 30,000 yen or more | 550 yen |
Source: Bank of Fukuoka ATM Service | Seven Bank
ATM Availability and Bank of Fukuoka System Maintenance Information
Seven Bank ATMs are generally operational 24 hours a day, but they cannot be used during Bank of Fukuoka’s system maintenance periods.
Main maintenance hours: 2:00 AM – 6:00 AM on the 1st and 3rd Monday of each month; 9:00 PM on the day before a Happy Monday holiday to 6:00 AM on the holiday; December 31 – January 3; May 3 – 5. Please note that there may be other temporary maintenance periods.
Using Bank of Fukuoka at Lawson (Lawson Bank ATM)
Main Available Transactions
- Withdrawals
- Deposits
- Transfers
- Balance Inquiries
Withdrawal & Deposit Fees: Fee Table by Time Slot for Weekdays, Weekends & Holidays
| Day | Time Slot | Fee |
|---|---|---|
| Weekdays | 8:45 AM – 6:00 PM | 110 yen |
| Weekdays | Other times | 220 yen |
| Saturdays, Sundays & Holidays | All day | 220 yen |
Transfer Fees: To Bank of Fukuoka Branches & To Other Banks
| Destination | Transfer Amount | Fee |
|---|---|---|
| To Bank of Fukuoka, Kumamoto Bank, Juhachi-Shinwa Bank, Fukuoka Chuo Bank, Minna no Ginko | Under 30,000 yen | 55 yen |
| To Bank of Fukuoka, Kumamoto Bank, Juhachi-Shinwa Bank, Fukuoka Chuo Bank, Minna no Ginko | 30,000 yen or more | 165 yen |
| To other banks | Under 30,000 yen | 330 yen |
| To other banks | 30,000 yen or more | 550 yen |
Source: Convenience Store ATMs | Bank of Fukuoka
ATM Availability and Bank of Fukuoka System Maintenance Information
Lawson Bank ATMs are also generally operational 24 hours a day, but they cannot be used during Bank of Fukuoka’s system maintenance periods (e.g., 2:00 AM – 6:00 AM on the 1st and 3rd Monday of each month).
Using Bank of Fukuoka at Family Mart (E-net ATM)
Main Available Transactions
- Withdrawals
- Deposits
- Transfers
- Balance Inquiries
Withdrawal & Deposit Fees: Fee Table by Time Slot for Weekdays, Weekends & Holidays
| Day | Time Slot | Fee |
|---|---|---|
| Weekdays | 8:45 AM – 6:00 PM | 110 yen |
| Weekdays | Other times | 220 yen |
| Saturdays, Sundays & Holidays | All day | 220 yen |
Transfer Fees: To Bank of Fukuoka Branches & To Other Banks
| Destination | Transfer Amount | Fee |
|---|---|---|
| To Bank of Fukuoka, Kumamoto Bank, Juhachi-Shinwa Bank, Fukuoka Chuo Bank, Minna no Ginko | Under 30,000 yen | 55 yen |
| To Bank of Fukuoka, Kumamoto Bank, Juhachi-Shinwa Bank, Fukuoka Chuo Bank, Minna no Ginko | 30,000 yen or more | 165 yen |
| To other banks | Under 30,000 yen | 330 yen |
| To other banks | 30,000 yen or more | 550 yen |
Source: Bank of Fukuoka | E-net ATM Fees & Service Hours | E-net, Inc.
ATM Availability and Bank of Fukuoka System Maintenance Information
E-net ATMs are also generally operational 24 hours a day, but they cannot be used during Bank of Fukuoka’s system maintenance periods.
Using Bank of Fukuoka at Ministop (AEON Bank ATM)
Main Available Transactions
- Withdrawals
- Balance Inquiries
Withdrawal & Deposit Fees: Fee Table by Time Slot for Weekdays, Weekends & Holidays
| Day | Time Slot | Fee |
|---|---|---|
| Weekdays | 8:45 AM – 6:00 PM | Free |
| Weekdays | Other times | 110 yen |
| Saturdays, Sundays & Holidays | All day | 110 yen |
Source: Bank of Fukuoka ATM | Withdrawals are free on weekday daytime at AEON Bank ATMs
Transfer Fees: To Bank of Fukuoka Branches & To Other Banks
Transfers are not available at AEON Bank ATMs.
ATM Availability and Bank of Fukuoka System Maintenance Information
AEON Bank ATMs are also operational for long hours, but they cannot be used during Bank of Fukuoka’s system maintenance periods.
How to Get Free Convenience Store ATM Fees with mybank+ Benefits
Bank of Fukuoka offers preferential treatment on convenience store ATM fees for members of its points service “mybank+,” where status is determined by transaction activity. Understanding and utilizing this service can help you save on fees.
Overview of mybank+ and its Stage Determination System
mybank+ is a program that converts your transactions with Bank of Fukuoka—such as receiving your salary, deposit balances, and loan usage—into points. Your “Three-Star,” “Four-Star,” or “Five-Star” stage is determined monthly based on your total points.
Convenience Store ATM Fee Benefits by Stage
Three-Star Stage: Convenience Store ATM Fee Benefits
For the “Three-Star” stage, usage fees at eligible convenience store ATMs (Seven Bank, Lawson Bank, E-net) are waived up to 1 time per month. Additionally, after-hours fees at AEON Bank ATMs are waived.
Four-Star Stage: Convenience Store ATM Fee Benefits
For the “Four-Star” stage, usage fees at eligible convenience store ATMs (Seven Bank, Lawson Bank, E-net) are waived up to 2 times per month. Additionally, after-hours fees at AEON Bank ATMs are waived.
Five-Star Stage: Convenience Store ATM Fee Benefits
For the “Five-Star” stage, usage fees at eligible convenience store ATMs (Seven Bank, Lawson Bank, E-net) are waived up to 3 times per month. Additionally, after-hours fees at AEON Bank ATMs are waived.
Eligible Transactions for Stage Determination and How to Earn Points
Your stage is determined by the points based on your transaction activity at the end of the month. Key transactions that earn points include receiving salary/pension, deposit balances, holding a NISA account, credit card usage, and having a home loan. By combining these transactions, you can aim for a higher stage.
Eligible and Ineligible Partner Convenience Store ATMs for Benefits
The mybank+ fee waiver benefits apply to “Seven Bank ATM,” “Lawson Bank ATM,” “E-net ATM,” and “AEON Bank ATM.”
Common Precautions When Using Bank of Fukuoka at Convenience Store ATMs
Transaction Limits: Daily and Per-Transaction Ceilings for Withdrawals, Deposits, and Transfers
Cash cards have a daily transaction limit (default setting: 500,000 yen for withdrawals). This limit can be changed at a branch or through Direct Banking. Convenience store ATMs may also have their own per-transaction limits (e.g., up to 200,000 yen for withdrawals).
Handling of Coins: Not Supported for Withdrawals or Deposits at Convenience Store ATMs
All partner convenience store ATMs do not handle coin withdrawals or deposits. Only banknotes are handled.
Use of Passbooks: Not Usable for Updates or Transactions at Convenience Store ATMs
At all partner convenience store ATMs, you cannot use a Bank of Fukuoka passbook for updates or transactions. Transactions are for cash cards only.
How to Check System Maintenance Times
During Bank of Fukuoka’s system maintenance periods (e.g., 2:00 AM – 6:00 AM on the 1st and 3rd Monday of each month; 9:00 PM on the day before a Happy Monday holiday to 6:00 AM on the holiday; December 31 – January 3; May 3 – 5), transactions cannot be performed at any convenience store ATM. It is recommended to check the latest information on the Bank of Fukuoka official website in advance.
Source: Announcements | Bank of Fukuoka
PIN Management and ATM Security
When using an ATM, be sure to take security measures, such as covering the keypad with your hand when entering your PIN to prevent others from seeing it. Manage your PIN strictly so that it is not known to others, and avoid using easily guessable numbers.
Q&A on Using Bank of Fukuoka at Convenience Store ATMs
Q1. When do the mybank+ convenience store ATM fee benefits become effective?
A1. Your stage is determined based on your transaction status at the end of each month, and the benefits are applied for one month, from the 15th of the following month to the 14th of the month after that.
Q2. Are the fees the same for cards from Kumamoto Bank or Juhachi-Shinwa Bank?
A2. Yes, cash cards from Kumamoto Bank and Juhachi-Shinwa Bank, which are part of the Fukuoka Financial Group (FFG), can be used at partner convenience store ATMs under almost the same conditions and fees as Bank of Fukuoka. However, fee waiver services are based on each bank’s respective points program.
Q3. Are the fees for a Bank of Fukuoka debit card the same as for a cash card?
A3. Yes, when you use a Bank of Fukuoka debit card (such as a Visa debit card) for a “cash withdrawal” at a convenience store ATM, the same fee structure as a regular cash card applies.
Q4. Can a corporate cash card be used at convenience store ATMs? Are the fees different from those for individual customers?
A4. Corporate cash cards can also be used at partner convenience store ATMs, but the fee structure is different from that for individual customers. Also, mybank+ benefits do not apply. For details, please check Bank of Fukuoka’s service information for corporate clients.
Q5. If I make a transfer at a convenience store ATM, when will it be reflected in the recipient’s account?
A5. In principle, it is reflected immediately. However, depending on the system compatibility of the recipient’s financial institution or the status of the recipient’s account, it may be processed on the next business day.
Q6. What are the fees and operating hours during the year-end/New Year and Golden Week periods?
A6. During the year-end/New Year and other long holiday periods, holiday fees are generally applied. Operating hours are typically as usual, but please check the official website for announcements and details.
Q7. Do users of Bank of Fukuoka Direct Banking (internet banking) receive fee waivers?
A7. There are no convenience store ATM fee waivers simply for being a Bank of Fukuoka Direct Banking subscriber. To receive fee waivers, you must join “mybank+” and achieve the required stage based on your transaction activity.
Q8. If my Bank of Fukuoka cash card doesn’t work at a convenience store ATM, what are the possible reasons?
A8. The main possible reasons are as follows:
・Incorrect PIN, or card lock due to multiple incorrect entries
・Magnetic stripe failure or IC chip damage on the cash card
・Exceeding the transaction limit
・Insufficient account balance
・During system maintenance by Bank of Fukuoka or the ATM operator
If the problem is not resolved, please contact the Bank of Fukuoka call center or a branch.
Source: Consultations & Inquiries | Bank of Fukuoka
Last updated: June 19, 2025