Your daily withdrawal limit at US Bank ATMs
US Bank sets a standard daily ATM withdrawal limit of $500 for most checking and savings accounts. This means you cannot withdraw more than $500 in a single calendar day using an ATM, whether you use one transaction or multiple withdrawals across different machines.
The limit resets at midnight Central Time each day. If you withdraw $500 on Monday, your limit resets Tuesday morning and you can withdraw another $500. The limit applies to your account, not to individual cards — if you have multiple debit cards linked to the same account, the $500 daily total covers all of them combined.
Some accounts carry higher limits. Premium or wealth management accounts may have daily limits of $1,000 or more. Business accounts often have different limits depending on the account type and your relationship with the bank. The only way to know your specific limit is to check your account documents or call US Bank directly at 1-800-872-2657.
Key Takeaways
- US Bank's standard daily ATM withdrawal limit is $500 per calendar day for most personal accounts.
- The limit resets at midnight Central Time, so you can withdraw another $500 the next day.
- If you have multiple debit cards on the same account, the $500 limit covers all cards combined, not each card separately.
- Premium accounts and business accounts may have higher limits — contact US Bank to confirm your specific limit.
- Withdrawing cash inside a US Bank branch does not count against your ATM limit.
What happens if you try to withdraw more than your limit
If you attempt to withdraw more than $500 at a US Bank ATM, the machine will decline the transaction. The ATM will display an error message and return your card without dispensing cash. The declined transaction does not charge you a fee, but it does count as an ATM access attempt.
If you need more than $500 in cash on a single day, you have two options. You can visit a US Bank branch during business hours and withdraw cash directly from a teller — branch withdrawals do not count against your ATM limit and are not subject to the same daily cap. Alternatively, you can wait until the next calendar day and withdraw another $500 from an ATM.
How to request a temporary limit increase
US Bank allows you to request a temporary increase to your ATM withdrawal limit for specific situations. You must call US Bank customer service at 1-800-872-2657 and speak with a representative. Have your account number and identification ready when you call.
The bank will ask why you need the increase and for how long. Temporary increases are typically approved for planned large cash needs — such as paying for a car, funding a business expense, or covering travel costs. The bank may increase your limit for a set number of days, after which it reverts to the standard $500.
There is no may provide that a temporary increase will be approved. US Bank reviews each request based on your account history, account balance, and the reason for the increase. Even if approved, the process may take one to two business days, so plan ahead if you know you will need extra cash.
ATM withdrawal limits at other banks' machines
When you use an ATM that does not belong to US Bank, you may face a different withdrawal limit. That ATM's bank sets the limit, not US Bank. For example, if you use a Chase ATM, Chase's withdrawal limits apply to that transaction, not US Bank's limits.
Most banks set daily ATM limits between $300 and $1,000. Some credit unions and smaller banks have lower limits. You will see the withdrawal limit displayed on the ATM screen before you complete the transaction, so you can choose how much to withdraw based on what that machine allows.
Using an out-of-network ATM may also charge you a fee — typically $2 to $3 — in addition to any fee the other bank charges. US Bank does not charge you a fee for using another bank's ATM, but that other bank will charge you. To avoid fees, use a US Bank ATM or visit a US Bank branch.
How to find a US Bank ATM
US Bank operates thousands of ATMs across the United States. You can locate the nearest one by visiting usbank.com and using the ATM locator tool, or by calling 1-800-872-2657 and asking a representative for nearby locations. The mobile app also shows ATM locations if you have it installed on your phone.
US Bank is part of the Allpoint network, which means you can also withdraw cash at participating retailers like Walmart, Target, and CVS without paying a fee. Allpoint ATMs are subject to the same $500 daily limit as US Bank's own machines. You can find Allpoint locations through the Allpoint website or app.
Fees and charges related to ATM withdrawals
Withdrawing cash from a US Bank ATM using your US Bank debit card costs nothing — there is no fee for using your own bank's machines. However, if you use an ATM owned by another bank, that bank will charge you a fee, typically $2 to $3 per transaction. US Bank does not refund these out-of-network fees.
Some US Bank accounts include out-of-network ATM fee reimbursement as a benefit. Premium checking accounts and certain wealth management accounts may refund fees charged by other banks' ATMs. Check your account documents or contact US Bank to see if your account includes this benefit.
Overdraft fees apply if you withdraw more money than you have in your account, even if you are within your daily ATM limit. If your account balance is $200 and you withdraw $500, the withdrawal will be declined at the ATM — the machine checks your available balance before dispensing cash. If you somehow complete an overdraft transaction, US Bank charges an overdraft fee, typically $35 per occurrence.
Frequently Asked Questions
Can I withdraw $500 from multiple ATMs on the same day?
No. The $500 daily limit applies to all ATM withdrawals combined on a single calendar day, regardless of how many machines you use or how many transactions you make. If you withdraw $300 from one ATM and then try to withdraw $300 from another, the second transaction will be declined because you have already withdrawn $300 toward your $500 daily limit.
Does my spouse's debit card have a separate $500 limit?
No. If you and your spouse share a joint account, the $500 daily limit covers both of your cards combined. If your spouse withdraws $300, you can only withdraw $200 that same day. If you each have separate accounts, each account has its own $500 limit.
What time does the daily ATM limit reset?
The limit resets at midnight Central Time. If you withdraw $500 at 11:50 p.m. Central Time on Monday, you can withdraw another $500 starting at 12:00 a.m. Central Time on Tuesday. If you are in a different time zone, convert to Central Time to know when your limit resets.
Can I withdraw cash from a teller without hitting the ATM limit?
Yes. Withdrawing cash from a US Bank teller inside a branch does not count toward your ATM limit. You can withdraw $500 from an ATM and then go inside the branch and withdraw additional cash from a teller on the same day. Teller withdrawals are not subject to the same daily cap.
What if I need to withdraw more than $500 right now?
Visit a US Bank branch during business hours and withdraw cash from a teller. Branch withdrawals do not count against your ATM limit. If no branch is open, call 1-800-872-2657 and request a temporary increase to your ATM limit, though approval is not may provide and may take one to two business days.