Daily ATM withdrawal limits 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 per day from any ATM, whether it is a Bank of America machine or an out-of-network ATM.
The limit resets each calendar day at midnight Eastern Time. If you withdraw $600 on Monday, you have $400 remaining for that day. On Tuesday, your limit resets to $1,000 again.
Some accounts have different limits. Premium accounts, wealth management accounts, and business accounts may have higher daily limits. If you hold a Bank of America Preferred Rewards account or a higher tier account, contact your branch or call 1-800-432-1000 to confirm your specific limit.
Key Takeaways
- The standard daily ATM withdrawal limit is $1,000 per calendar day for most Bank of America accounts.
- The limit applies to all ATMs—both Bank of America machines and out-of-network ATMs—combined.
- Your limit resets at midnight Eastern Time each day, not 24 hours from your first withdrawal.
- Premium and business accounts may have higher limits; contact your branch to request a temporary or permanent increase.
- If you need more than $1,000 in cash, you can withdraw from a teller inside a Bank of America branch during business hours.
Why Bank of America sets daily ATM limits
ATM limits exist to reduce fraud risk and protect your account. If someone gains access to your debit card or PIN, the $1,000 daily cap limits how much cash they can steal in a single day. It also protects Bank of America from large cash losses on machines that malfunction or are compromised.
The limit is separate from your account balance. If you have $5,000 in your account, you still cannot withdraw more than $1,000 from an ATM in one day—but you can withdraw the remaining $4,000 the next day.
Getting cash beyond the $1,000 daily limit
If you need more than $1,000 in cash on a single day, visit a Bank of America branch and withdraw from a teller. Teller withdrawals are not subject to the ATM limit and can be made up to your available account balance. Branches are open Monday through Friday, and many locations have Saturday hours.
You can also request a temporary limit increase before you need the cash. Call 1-800-432-1000 or visit your local branch and explain why you need more than $1,000. Bank of America may approve a one-time increase for planned expenses like travel, home repairs, or large purchases. The approval process usually takes one business day.
If you regularly need to withdraw large amounts of cash, ask about increasing your permanent daily limit. This requires a conversation with your branch manager and may depend on your account history and relationship with the bank.
Out-of-network ATM withdrawals and limits
The $1,000 daily limit applies whether you use a Bank of America ATM or an out-of-network machine. If you withdraw $600 from a Bank of America ATM and then try to withdraw $500 from a different bank's ATM the same day, the second withdrawal will be declined because you have only $400 remaining in your daily limit.
Out-of-network ATM withdrawals also carry an additional fee. Bank of America charges $3.00 per out-of-network withdrawal. The ATM operator may charge an additional fee ranging from $1.50 to $3.00. These fees are deducted from your account on top of the cash you withdraw.
To avoid fees and limit confusion, use Bank of America ATMs when possible. Bank of America has over 16,000 ATMs nationwide, plus access to Allpoint and MoneyPass networks at no extra charge for most account types.
What happens when you hit your daily limit
If you try to withdraw more than your remaining daily limit, the ATM will decline the transaction. The machine will display a message like "Transaction cannot be completed" or "Daily limit exceeded." The ATM will not dispense any cash and will return your card.
A declined ATM withdrawal does not count against your limit. If you try to withdraw $800 and your limit is $500, the transaction fails and your limit remains $500. You can try again with a smaller amount immediately, or wait until the next calendar day when your limit resets.
Repeated declined transactions may trigger a fraud alert on your account. If you see multiple declines, contact Bank of America to confirm the activity is legitimate and to discuss a limit increase if needed.
Requesting a permanent limit increase
If $1,000 per day is not enough for your regular needs, you can request a permanent increase. Visit your local Bank of America branch or call 1-800-432-1000 and ask to speak with an account manager. Be prepared to explain why you need a higher limit and how often you withdraw large amounts of cash.
Approval depends on your account history, how long you have banked with Bank of America, and your account balance. Accounts in good standing with no overdrafts or fraud history are more likely to be approved. The bank may increase your limit to $2,000, $3,000, or higher based on your circumstances.
Some account types have higher limits built in. If you upgrade to a premium account or open a business account, you may receive a higher ATM limit automatically. Ask your branch what account options are available for your situation.
Frequently Asked Questions
Can I withdraw more than $1,000 if I have more money in my account?
No. The $1,000 daily ATM limit applies regardless of your account balance. If you have $10,000 in your account, you still cannot withdraw more than $1,000 from an ATM in one day. You can withdraw more by visiting a teller inside a Bank of America branch.
Does the limit reset at midnight or 24 hours after my first withdrawal?
The limit resets at midnight Eastern Time each calendar day, not 24 hours after your first withdrawal. If you withdraw $500 at 11:00 p.m., your remaining limit that day is $500. At midnight, your limit resets to $1,000 regardless of when you made the withdrawal.
What if I withdraw from a Bank of America ATM and then an out-of-network ATM the same day?
Both withdrawals count toward your $1,000 daily limit. If you withdraw $600 from a Bank of America ATM and then $500 from another bank's ATM, the second withdrawal will be declined because you have only $400 remaining. You will also pay a $3.00 fee to Bank of America plus any fee charged by the other bank's ATM operator.
How long does it take to get a temporary limit increase approved?
A temporary limit increase usually takes one business day to process. Call 1-800-432-1000 or visit your branch and explain when you need the higher limit. The bank will let you know if the increase is approved and when it takes effect.
Can I withdraw cash from a teller without a limit?
Teller withdrawals are not subject to the $1,000 ATM limit. You can withdraw up to your available account balance from a teller during branch hours. For very large withdrawals, the bank may ask you to provide notice in advance so they have enough cash on hand.