What you can withdraw from a Bank of America ATM depends on your account type and the bank's daily limit

Bank of America sets a daily ATM withdrawal limit that applies to most checking and savings accounts. For most customers, this limit is $1,000 per day. However, the actual amount you can pull out may be lower if you have less than that in your account, or higher if you have requested an increase with the bank.

The limit resets each calendar day, so if you hit $1,000 on Monday, you can withdraw another $1,000 on Tuesday. The clock runs from midnight to midnight in your local time zone.

Some accounts carry different limits. Money Market accounts, for example, may have different daily withdrawal rules than a standard checking account. Business accounts often have higher limits or custom arrangements. If you are unsure what your specific limit is, you can check your account agreement or call Bank of America directly.

Key Takeaways

  • The standard daily ATM withdrawal limit at Bank of America is $1,000 for most personal checking and savings accounts.
  • Your actual withdrawal is capped by whichever is lower: your daily limit or your available account balance.
  • You can request a temporary or permanent increase to your limit by contacting Bank of America, though approval is not may provide.
  • The daily limit resets at midnight each day and is tracked separately from debit card purchase limits.
  • ATMs owned by Bank of America and partner networks honor the same limit, but out-of-network ATMs may have their own restrictions on top of yours.

How the daily limit is calculated and when it resets

Bank of America tracks your ATM withdrawals on a rolling 24-hour cycle that begins and ends at midnight Eastern Time, regardless of where you are located. Every withdrawal you make at any ATM—whether it is a Bank of America machine, an ATM in a partner network, or an out-of-network ATM—counts toward your $1,000 daily limit.

If you withdraw $600 at 11 p.m. on Monday and $500 at 1 a.m. on Tuesday, both transactions count toward separate days because the midnight reset has occurred. But if you withdraw $600 at 11 p.m. Monday and $500 at 11:30 p.m. Monday, you have hit your limit and the second transaction will be declined.

The limit applies to ATM cash withdrawals only. It does not include transfers between your own accounts, bill payments, or debit card purchases at stores. Those transactions are governed by separate limits or no limit at all, depending on your account type.

Requesting a higher withdrawal limit

If you regularly need to withdraw more than $1,000 per day, you can contact Bank of America to request an increase. Call the customer service number on the back of your debit card, visit a branch in person, or log into your online account to see if a request option is available.

Bank of America does not publish exact criteria for approving limit increases, but the bank typically considers your account history, account balance, and the reason for the request. A customer with a long account history and consistent deposits is more likely to be approved than someone with a new account or frequent overdrafts.

If approved, the increase may be temporary (for a set number of days) or permanent. Some customers report that Bank of America grants increases of $500 to $2,500 above the standard limit, but this varies. There is no cost to request an increase, and a denial does not affect your account or credit score.

What happens when you hit your limit

When you attempt to withdraw cash and the transaction would exceed your daily limit, the ATM will decline the transaction. The machine will display a message indicating that the withdrawal cannot be completed, and no money will be dispensed. The declined transaction does not count against your limit, so you can try again the next day.

A declined ATM withdrawal does not trigger an overdraft fee or any penalty. It simply means the ATM will not release the cash. If you need the money urgently, you have a few options: withdraw a smaller amount that stays under your limit, visit a branch and withdraw over the counter (which may have a higher limit or no limit), or wait until the next calendar day when your limit resets.

Some Bank of America branches allow you to withdraw larger amounts in person without hitting the ATM limit. Call ahead to confirm the branch has enough cash on hand and to let them know you are coming.

ATM limits at partner networks and out-of-network machines

Bank of America is part of the Allpoint network and has partnerships with other ATM networks. When you use a Bank of America ATM or an ATM in a partner network, your $1,000 daily limit applies. You will not face an additional limit from the network itself.

Out-of-network ATMs—machines owned by other banks or independent operators—may impose their own withdrawal limits on top of your Bank of America limit. For example, an out-of-network ATM might allow only $500 per transaction or $1,500 per day. If that limit is lower than your Bank of America limit, the ATM's limit takes precedence. You will also typically pay a fee ($2 to $3) when you use an out-of-network ATM.

To avoid out-of-network fees and limits, use a Bank of America ATM or an Allpoint partner ATM when possible. You can find nearby ATMs through the Bank of America mobile app or website.

Differences between ATM limits and debit card purchase limits

Your ATM withdrawal limit and your debit card purchase limit are separate. You can spend $5,000 on debit card purchases in a day and still have your full $1,000 ATM withdrawal limit available. Conversely, withdrawing $1,000 from an ATM does not reduce how much you can spend with your debit card.

Debit card purchases at stores typically have no daily limit, though individual merchants may decline large transactions for fraud prevention. ATM withdrawals, by contrast, are capped by Bank of America's policy.

If you need to move a large sum of money and have already hit your ATM limit, consider using a debit card purchase, a bank transfer, or a visit to a branch. Each method has different rules and may be faster or slower depending on your situation.

Frequently Asked Questions

Can I withdraw more than $1,000 if I have it 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 per day from an ATM. You would need to visit a branch, request a limit increase, or wait until the next day.

Do I have to pay a fee if I hit my withdrawal limit?

No. Hitting your daily limit results in a declined transaction, but there is no fee. You only pay fees when you use an out-of-network ATM or when you overdraft your account.

What if I need to withdraw cash before my limit resets?

Visit a Bank of America branch and withdraw over the counter. Branch withdrawals may not be subject to the same daily ATM limit, though the teller may ask questions about large amounts. Call ahead to confirm the branch has enough cash available.

Does my ATM limit reset at midnight in my time zone or Bank of America's time zone?

Bank of America resets daily limits at midnight Eastern Time, not your local time zone. If you are on the West Coast, your limit resets at 9 p.m. your time.

If I request a limit increase, how long does approval take?

Bank of America does not publish standard approval timelines. Some requests are approved immediately, while others take several business days. Call customer service to check the status of your request.