Daily 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 take out 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.

If you need cash beyond $1,000 in one day, you have other options. You can visit a Bank of America branch during business hours and withdraw money directly from a teller — teller withdrawals are not subject to the same daily limit. You can also request a temporary increase to your ATM limit before you need it, though approval is not may provide.

The $1,000 limit applies across all of your Bank of America ATMs and partner network ATMs (Allpoint, MoneyPass, and others). Multiple withdrawals in the same day count toward the same limit — if you withdraw $600 at one ATM and then try to withdraw $500 at another, the second transaction will be declined.

Key Takeaways

  • ATM withdrawals are capped at $1,000 per calendar day, but teller withdrawals at a branch have no daily limit.
  • The $1,000 limit resets at midnight Eastern Time and applies across all ATMs you use, not per machine.
  • You can request a temporary increase to your ATM limit by calling customer service or visiting your branch, though approval depends on your account history and available funds.
  • Withdrawals from a teller, debit card purchases, and transfers do not count toward the ATM limit.

Why Bank of America has daily withdrawal limits

Daily limits exist to protect your account from fraud and unauthorized access. If someone steals your debit card or ATM PIN, the limit caps how much they can withdraw in a single day. This gives you time to notice the theft and contact the bank before larger amounts are taken.

The limit also helps the bank manage cash flow and reduce operational risk. ATMs have physical cash inside them, and the bank must plan how much to stock based on expected demand. A daily limit per customer makes that planning more predictable.

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

The fastest way is to visit a Bank of America branch and withdraw cash from a teller. Teller withdrawals are not subject to the $1,000 daily ATM limit. You will need to bring a valid ID and have the funds available in your account. Most branches can process large cash withdrawals on the spot, though they may ask questions about the purpose if you are withdrawing more than $10,000 (this is standard anti-money-laundering procedure, not a Bank of America rule).

If you know in advance that you will need more than $1,000 in cash, call Bank of America customer service at 1-800-432-1000 and ask to increase your daily ATM limit temporarily. Explain how much you need and when. The bank will review your account history, recent activity, and available balance. If approved, the increase typically takes effect within one business day and lasts for a set period (usually 30 days). There is no fee for requesting an increase.

You can also use your debit card to make purchases instead of withdrawing cash. Debit card transactions do not count toward the ATM limit. If you need cash for a specific purchase, ask the merchant if you can pay by card instead.

What counts toward your daily limit

Only ATM withdrawals count toward the $1,000 daily limit. Teller withdrawals, debit card purchases, transfers between your own accounts, bill payments, and checks you write do not reduce your limit. If you withdraw $600 from an ATM and then visit a teller to withdraw $800, you will succeed — the teller withdrawal is separate.

Transfers you initiate online or by phone also do not count. If you transfer $5,000 to another account or to another person, that does not affect your ability to withdraw $1,000 from an ATM the same day.

ATM limits for different account types

Most Bank of America checking and savings accounts have the same $1,000 daily ATM limit. However, premium accounts and business accounts may have higher limits. If you have a Preferred Rewards account or a business checking account, contact your branch or call customer service to confirm your specific limit — it may be higher than $1,000.

Student accounts and some specialty accounts may have lower limits. Check your account agreement or call 1-800-432-1000 to confirm the limit on your specific account type.

What happens if you try to withdraw more than your limit

If you attempt to withdraw more than $1,000 from an ATM in a single day, the transaction will be declined. The ATM will display a message saying the withdrawal exceeds your daily limit. Your card will not be charged a fee for the declined transaction, and the money will remain in your account.

If the ATM declines your withdrawal, you have three options: wait until after midnight Eastern Time for the limit to reset, visit a branch to withdraw from a teller, or request a temporary limit increase by calling customer service. Do not attempt the same withdrawal multiple times — each attempt will be declined and may trigger a fraud alert on your account if the pattern looks suspicious.

Frequently Asked Questions

Can I withdraw $1,000 from multiple ATMs on the same day?

No. The $1,000 limit is per calendar day across all ATMs, not per machine. If you withdraw $600 from one ATM and try to withdraw $500 from another ATM the same day, the second transaction will be declined because your combined withdrawals would exceed $1,000.

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

The limit resets at midnight Eastern Time, regardless of where you are located. If you are on the West Coast and withdraw $1,000 at 11 p.m. Pacific Time, the limit will not reset for another two hours (1 a.m. Eastern Time).

What if I need to withdraw $5,000 for an emergency?

Visit a Bank of America branch during business hours and withdraw from a teller — there is no daily limit for teller withdrawals. If the branch is closed, call customer service at 1-800-432-1000 and request a temporary increase to your ATM limit. Approval is not may provide but is often granted for legitimate needs if your account is in good standing.

Do transfers and bill payments count toward my ATM limit?

No. Only ATM cash withdrawals count toward the $1,000 daily limit. You can transfer $10,000 to another account and still withdraw $1,000 from an ATM the same day. Debit card purchases also do not count toward the limit.

Can I request a permanent increase to my ATM limit?

Bank of America does not offer permanent increases to the standard $1,000 ATM limit for most accounts. You can request temporary increases as needed by calling customer service. Premium or business accounts may have higher standard limits — contact your branch to learn if you are may be able to access for a different account type.