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 in a single calendar day across all Bank of America ATMs, even if you make multiple withdrawals.

The limit resets at midnight Eastern Time each day. If you withdraw $600 on Monday, you can withdraw up to $400 more before midnight. On Tuesday, your limit resets to $1,000 again.

Some accounts have different limits. Premium or wealth management accounts may have higher daily limits—sometimes $2,000 or more—depending on your account type and relationship with the bank. Business accounts also vary. The only way to know your specific limit is to check your account details online, call Bank of America customer service at 1-800-432-1000, or visit a branch.

Key Takeaways

  • The standard Bank of America ATM withdrawal limit is $1,000 per calendar day, resetting at midnight Eastern Time.
  • Premium accounts, wealth management accounts, and business accounts may have higher limits than $1,000.
  • You can request a temporary or permanent increase to your limit by contacting Bank of America directly.
  • ATMs owned by other banks may have their own limits even when you use your Bank of America card.
  • If you need more than your limit allows, you can withdraw cash inside a Bank of America branch with your debit card or ID.

How to request a higher withdrawal limit

You can ask Bank of America to raise your daily ATM withdrawal limit. Call 1-800-432-1000 and speak to a representative, or visit any Bank of America branch in person. The bank will review your account history and may approve an increase on the spot or within a few business days.

Temporary increases are common—you can request a higher limit for a specific date or week if you have a planned large withdrawal. Permanent increases depend on your account standing, how long you have banked with Bank of America, and your account balance. There is no fee to request an increase.

If your request is denied, ask why. The bank may require you to maintain a higher balance, have a longer account history, or demonstrate regular account activity before raising the limit.

Withdrawals at non-Bank of America ATMs

When you use an ATM that does not belong to Bank of America, two limits apply: Bank of America's limit and the other bank's limit. Whichever is lower is what you can withdraw.

For example, if you use a Citibank ATM that has a $500 per-transaction limit, you can only withdraw $500 even though Bank of America allows $1,000 per day. Bank of America also charges a fee for out-of-network ATM use—typically $2.50 per transaction—though some accounts waive this fee.

To avoid fees and limits, use Bank of America's ATM network or visit a Bank of America branch. Bank of America has over 16,000 ATMs nationwide, plus access to surcharge-free ATMs through the Allpoint network if you have certain account types.

Withdrawing cash inside a Bank of America branch

If you need more than your daily ATM limit, you can withdraw cash at a Bank of America branch during business hours. Bring your debit card and a valid ID. There is no daily limit for in-branch withdrawals—you can withdraw as much as you have in your account, subject only to the bank's fraud detection systems.

Large withdrawals (typically $10,000 or more) trigger a federal reporting requirement called a Currency Transaction Report, or CTR. This is routine and not a sign of wrongdoing. The bank will ask you to fill out a form and may ask what the cash is for. This does not affect your ability to withdraw the money.

If you plan to withdraw a very large amount, call ahead to make sure the branch has enough cash on hand. Some smaller branches may need to order cash from a regional center, which takes one to two business days.

Why Bank of America has withdrawal limits

ATM withdrawal limits exist for two reasons: fraud prevention and cash management. If your card is stolen or compromised, a low daily limit reduces the damage a thief can do. The limit also helps Bank of America manage the amount of cash it stocks in each ATM.

The limit applies to your card, not your account. If you have two debit cards on the same account, each card has its own $1,000 daily limit. You could theoretically withdraw $2,000 per day using both cards, though this is not a reliable strategy and the bank may flag it as suspicious activity.

What happens if you try to exceed your limit

If you attempt to withdraw more than your daily limit, the ATM will decline the transaction. You will not be charged a fee for the declined withdrawal, but you also will not get the cash. The ATM will return your card and display a message saying the transaction cannot be completed.

Repeated declined transactions in a short time may trigger a fraud alert on your account. Bank of America may temporarily lock your card or contact you to verify the activity. If this happens, call 1-800-432-1000 to confirm the transactions were yours and to unlock your card if needed.

Frequently Asked Questions

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

No. Your $1,000 daily limit is a total across all Bank of America ATMs and all transactions in a single calendar day. If you withdraw $1,000 at one ATM, you cannot withdraw any more at another ATM until the next day.

Does my withdrawal limit include transfers or just cash withdrawals?

The ATM withdrawal limit applies only to cash taken out at an ATM. Transfers between your own accounts, bill payments, and other transactions do not count toward the limit. Only physical cash withdrawals reduce your available daily amount.

What if I need cash on a weekend or holiday when branches are closed?

You can use Bank of America ATMs 24/7. If you need more than $1,000 and cannot visit a branch, you can request a temporary limit increase before the weekend. Call during business hours and explain when you need the higher limit, and the bank will often approve it for a specific date.

Do savings accounts have the same $1,000 limit as checking accounts?

Most Bank of America savings accounts have the same $1,000 daily ATM withdrawal limit as checking accounts. However, some savings products have different rules. Money Market accounts and other specialty savings products may have different limits. Check your account agreement or call the bank to confirm your specific limit.

If I increase my limit, does it stay increased permanently?

That depends on whether you request a temporary or permanent increase. A temporary increase lasts for a specific date or week. A permanent increase stays in place until you ask the bank to lower it again. If you request a permanent increase and the bank approves it, you do not need to renew it each month.