Your daily ATM withdrawal limit at Bank of America

Bank of America sets a daily ATM withdrawal limit of $1,000 for most checking and savings accounts. This means you cannot withdraw more than $1,000 from an ATM in a single calendar day, even if you have more money in your account. The limit resets at midnight Eastern Time.

The $1,000 cap applies whether you use a Bank of America ATM, an ATM at another bank, or an ATM in a different country. It is a per-account limit, not per card — if you have two checking accounts, each one has its own $1,000 daily limit.

Your actual limit may be lower if you are a new customer, have a history of overdrafts, or hold a student or basic account type. Some premium accounts, such as Preferred Rewards tiers, may have higher limits. The only way to know your exact limit is to check your account online, call 800-432-1000, or visit a branch.

Key Takeaways

  • Bank of America's standard daily ATM withdrawal limit is $1,000 per account, resetting each day at midnight Eastern Time.
  • The limit applies to all ATMs — Bank of America machines, other banks' ATMs, and international ATMs — and cannot be exceeded even if your account balance is higher.
  • New customers, accounts with overdraft history, and certain account types may have lower limits than $1,000.
  • You can withdraw more than $1,000 in a single day by visiting a branch and withdrawing cash over the counter, which has no daily limit.
  • If you need to withdraw a large amount regularly, contact Bank of America to discuss a permanent limit increase or arrange a cashier's check instead.

Why Bank of America has a daily ATM limit

The $1,000 daily limit exists to protect your account from fraud and theft. If someone steals your debit card or learns your PIN, they cannot drain your account in a single ATM session. The limit also reduces the bank's operational risk and helps prevent money laundering.

The limit is not about your account balance — it is a security measure that applies regardless of how much money you have. Even if you have $50,000 in your account, you still cannot withdraw more than $1,000 at an ATM on any given day.

How to withdraw more than $1,000 in a single day

If you need cash beyond the $1,000 ATM limit, visit a Bank of America branch during business hours and withdraw money at the teller window. Teller withdrawals have no daily cap — you can withdraw as much as you need as long as your account has the funds. Bring a photo ID and your debit card or account number.

For very large withdrawals, the bank may ask questions about the purpose of the withdrawal. This is standard practice and does not mean your withdrawal will be denied. If you are withdrawing $10,000 or more, the bank is required by federal law to file a Currency Transaction Report (CTR), but this does not prevent you from getting your money.

Another option is to request a cashier's check from the teller, which you can use to pay a vendor or deposit into another account. This avoids carrying large amounts of cash and has no withdrawal limit.

Requesting a temporary or permanent limit increase

If you regularly need to withdraw more than $1,000 per day, you can contact Bank of America to request a higher limit. Call 800-432-1000, visit a branch, or use the mobile app to submit a request. The bank will review your account history, recent activity, and the reason for the increase.

Approval is not may provide. Bank of America may approve a temporary increase for a specific date (such as before a vacation) or a permanent increase if you have a long account history with no fraud or overdraft issues. The process typically takes one to three business days.

If your request is denied, ask the representative what factors led to the decision. Sometimes a higher account tier or a longer account history will make you may be able to access for an increase later.

ATM withdrawal limits at other banks

If you use an ATM that does not belong to Bank of America, you may face a different daily limit set by that ATM's bank. For example, Chase ATMs have a standard $500 daily limit, while Wells Fargo allows up to $1,000. Your Bank of America limit still applies — whichever limit is lower is the one that controls.

Using an out-of-network ATM also typically triggers a surcharge of $2 to $3, charged by the other bank. Bank of America may reimburse some out-of-network ATM fees depending on your account type, so check your account terms.

International ATM withdrawals and limits

The $1,000 daily limit applies to ATM withdrawals outside the United States as well. However, international ATMs may have additional limits set by the local bank or the ATM network. You may also face currency conversion fees and international transaction fees on top of the withdrawal.

Before traveling, notify Bank of America of your travel dates so the bank does not flag your international transactions as fraud. You can do this through the mobile app, online, or by calling 800-432-1000. Some countries have restrictions on how much cash can be withdrawn per transaction, so research your destination before you travel.

What happens if you try to exceed your limit

If you attempt to withdraw more than your daily limit at an ATM, the machine will decline the transaction. The ATM will display a message saying the withdrawal cannot be completed and will return your card. The declined transaction does not count against your limit — you can try again the next day.

A declined ATM withdrawal does not trigger an overdraft fee or damage your credit. However, if you repeatedly attempt large withdrawals and then overdraw your account through other transactions, overdraft fees will apply. Plan ahead if you know you will need a large amount of cash.

Frequently Asked Questions

Can I withdraw $1,000 twice in one day at different ATMs?

No. The $1,000 limit is per calendar day across all ATMs, not per ATM. If you withdraw $1,000 at one Bank of America ATM in the morning, you cannot withdraw any additional cash from any ATM for the rest of that day.

Does the ATM limit apply to debit card purchases?

No. The $1,000 daily limit applies only to ATM cash withdrawals. You can make debit card purchases for any amount up to your account balance, subject to a separate daily debit card purchase limit (typically $2,000 to $5,000, depending on your account).

What if I have a joint account — do both account holders share the $1,000 limit?

Yes. The $1,000 daily limit applies to the account itself, not to individual cardholders. If you and your spouse both have debit cards on the same joint account, the combined withdrawals from both cards cannot exceed $1,000 per day.

Will Bank of America increase my limit if I have been a customer for many years?

Possibly. Long account history and good standing can support a limit increase request, but it is not automatic. Contact the bank directly to request an increase and explain your situation. The decision depends on your account activity and history.

Can I withdraw cash using my debit card at a store instead of an ATM?

Yes. Cash back at a retail store (such as a grocery store or pharmacy) is typically not subject to the same ATM withdrawal limit. However, the store may have its own limit on how much cash back they will provide per transaction, usually $100 to $200. This is a good option if you need cash but do not want to visit a bank branch.