Your daily ATM withdrawal limit at Bank of America
Bank of America sets a standard daily ATM withdrawal limit of $500 for most checking and savings accounts. This means you cannot withdraw more than $500 from an ATM in a single calendar day, even if your account balance is higher. The limit resets at midnight Eastern Time.
Your actual limit may be different depending on your account type, how long you have been a customer, and whether you have requested a higher limit. Some accounts come with a $1,000 daily limit, and premium accounts may have higher thresholds. The only way to know your specific limit is to check your account or call Bank of America directly.
This limit applies to all ATMs—Bank of America machines, ATMs at other banks, and ATMs in other countries. It is a security measure designed to reduce fraud risk if your card is stolen or compromised.
Key Takeaways
- The standard Bank of America ATM withdrawal limit is $500 per calendar day, resetting at midnight Eastern Time.
- Your personal limit depends on your account type and customer history, so check your account details or call 1-800-432-1000 to confirm your limit.
- The limit applies to all ATMs worldwide, not just Bank of America machines.
- You can withdraw more cash by visiting a branch in person and speaking to a teller, which has no daily limit.
- If you need to raise your ATM limit temporarily or permanently, you can request this through your online account or by calling customer service.
How to find your personal ATM withdrawal limit
Log into your Bank of America online account or mobile app and go to the account settings or account details section. Your current ATM withdrawal limit should be listed there. If you cannot find it, call Bank of America customer service at 1-800-432-1000 and ask for your daily ATM limit.
When you call, have your account number and a form of identification ready. A representative can tell you your limit in seconds and can also explain why your limit is set at that amount if it differs from the standard $500.
Requesting a higher ATM withdrawal limit
If you need to withdraw more than your current limit, you can request an increase through your online account or by calling 1-800-432-1000. Bank of America may approve a temporary increase (usually for one day) or a permanent increase to your limit, depending on your account history and the reason for the request.
Temporary increases are often approved on the spot if you explain that you need cash for a specific purpose—a car purchase, travel, or a large purchase. Permanent increases take longer to process and may require additional verification. There is no fee to request a limit increase.
If your request is denied, ask why. Common reasons include a short account history, recent fraud on the account, or insufficient funds. If you have been a customer for years with no issues, a denial is unusual and worth discussing with a supervisor.
Withdrawing more than your ATM limit in one day
If you need cash beyond your daily ATM limit, visit a Bank of America branch during business hours and withdraw from a teller. Teller withdrawals do not count against your ATM limit and have no daily cap, as long as your account has sufficient funds. You will need to bring a valid photo ID.
This is the fastest way to get a large amount of cash same-day. If you need more than $10,000, the bank is required by federal law to file a Currency Transaction Report (CTR), but this does not prevent the withdrawal—it is simply a reporting requirement and does not affect you.
Why Bank of America has ATM withdrawal limits
ATM limits exist to protect your account from fraud. If your debit card is stolen or your card number is compromised, a thief cannot drain your entire account in one visit to an ATM. The limit also reduces the bank's operational risk and the amount of cash that must be stocked in each machine.
The limit is not a reflection of your creditworthiness or account standing. It is a standard security measure applied to nearly all debit cards at all banks, though the specific dollar amount varies by institution and account type.
ATM withdrawal limits when traveling internationally
Your $500 daily ATM limit applies to withdrawals worldwide, including at ATMs in other countries. However, when you use a non-Bank of America ATM abroad, you may also face a withdrawal limit set by that ATM's bank or network, which could be lower than $500.
Before traveling, notify Bank of America that you will be using your card internationally. You can do this through your online account or by calling 1-800-432-1000. This helps prevent the bank from blocking your card due to unusual activity in a foreign country. Some international ATM networks also charge a fee per withdrawal, which Bank of America may or may not refund depending on your account type.
What happens if you try to withdraw more than your limit
If you attempt to withdraw more than your daily limit at an ATM, the machine will reject the transaction and return your card. You will not be charged a fee for the rejected withdrawal. The ATM will display a message explaining that the amount exceeds your limit.
If you try multiple times in the same day, each attempt counts as a separate transaction and may trigger a fraud alert on your account. If this happens, Bank of America may contact you to verify the activity, or they may temporarily lock your card as a precaution.
Frequently Asked Questions
Can I withdraw $500 multiple times in one day at different ATMs?
No. Your daily limit is a total across all ATM withdrawals in a single calendar day, regardless of which machines you use or which banks own them. If you withdraw $500 at one ATM, you cannot withdraw any more cash from an ATM until midnight Eastern Time.
Does my Bank of America savings account have a different ATM limit than my checking account?
Savings accounts typically have the same $500 standard ATM limit as checking accounts, but this can vary. Check your account details online or call customer service to confirm your specific limit, as it depends on your account type and customer history.
What if I need to withdraw cash on a weekend or holiday when branches are closed?
You are limited to your ATM withdrawal limit on weekends and holidays. If you need more cash than your limit allows, you will have to wait until a branch reopens. Plan ahead if you know you will need a large amount of cash on a day when branches are closed.
Does requesting a higher ATM limit affect my credit score?
No. Requesting a higher ATM limit is an internal account change and does not involve a credit inquiry or hard pull. It will not affect your credit score in any way.
Can I set my own ATM withdrawal limit lower than the default?
Some banks allow customers to lower their own ATM limits as an extra security measure, but Bank of America does not currently offer this feature through online banking. If you want a lower limit for security reasons, contact customer service to discuss your options.