Bank of America ATM Withdrawal Limits and Daily Caps

How much you can withdraw from a Bank of America ATM in a single day

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 per calendar day from any Bank of America ATM, regardless of how many ATMs you visit or how many transactions you make.

The limit resets at midnight Eastern Time each day. If you withdraw $600 on Monday, your remaining limit for that day is $400. On Tuesday at midnight, your limit returns to the full $1,000.

This limit applies only to ATM withdrawals. It does not affect how much you can withdraw inside a Bank of America branch during business hours, nor does it limit transfers, bill payments, or debit card purchases.

Key Takeaways

• The standard Bank of America ATM withdrawal limit is $1,000 per calendar day, resetting at midnight Eastern Time.
• Limits vary by account type and customer history — some accounts have lower limits, and some customers can request higher limits.
• Withdrawals at a Bank of America branch teller window are not subject to the ATM daily limit.
• If you need more than $1,000 in cash, you can withdraw additional amounts inside a branch or request a temporary limit increase in advance.

Why Bank of America enforces ATM withdrawal limits

Daily withdrawal limits exist primarily as a fraud prevention measure. If someone gains unauthorized access to your debit card or PIN, the limit restricts how much cash they can remove in a single day. This gives you time to notice suspicious activity and contact the bank before larger amounts disappear.

Limits also help the bank manage cash distribution across its ATM network. ATMs must be stocked and serviced regularly, and daily caps reduce the likelihood of machines running out of cash during peak hours.

Withdrawal limits for different account types

Bank of America's standard $1,000 daily ATM limit applies to most personal checking and savings accounts. However, the actual limit on your specific account may differ based on your account type, how long you have held the account, and your banking history with the institution.

Accounts held by new customers sometimes carry lower limits — for example, $500 per day — until the account has been open for a certain period. Business accounts, premium accounts, and accounts held by customers with longer banking relationships may have higher limits or no limit at all.

The only way to know your exact limit is to check your account details online, call Bank of America customer service, or visit a branch and ask. Your limit will be listed in your account settings or can be provided by a representative.

How to withdraw more than your daily limit

If you need cash beyond your daily ATM limit, you have several options. The simplest is to visit a Bank of America branch during business hours and withdraw cash from a teller. Teller withdrawals are not subject to the ATM daily limit, so you can withdraw any amount up to your account balance (though the branch may require notice for very large amounts).

You can also request a temporary increase to your ATM limit before you need it. Call Bank of America customer service or visit a branch and explain that you need a higher limit for a specific date or period. The bank may grant a one-time increase, though this is not may provide and depends on your account history and the amount requested.

If you plan to withdraw a large amount regularly, you can also ask about changing your permanent ATM limit. Some customers are able to increase their standard limit, though the bank will review your account before approving any change.

ATM withdrawal limits at non-Bank of America machines

If you use an ATM that is not owned by Bank of America, you may face additional limits set by the ATM operator or your bank. Many ATM networks impose their own daily limits, which could be lower than Bank of America's $1,000 limit.

For example, an independent ATM operator might allow only $500 per day, or a credit union ATM network might have a $750 limit. If you hit the ATM operator's limit before reaching Bank of America's limit, you cannot withdraw more from that machine that day, even though your Bank of America limit has not been exhausted.

Bank of America does not charge a fee for using its own ATMs, but using ATMs outside the Bank of America network typically results in a surcharge from the ATM operator, plus a fee from Bank of America (usually $2.50 to $3.00 per transaction). These fees do not affect your withdrawal limit — they are charged in addition to the cash you withdraw.

What happens if you try to exceed your limit

If you attempt to withdraw more than your daily limit at an ATM, the machine will decline the transaction. The ATM will display a message indicating that the withdrawal cannot be completed, and no cash will be dispensed. The transaction will not be charged to your account.

A declined withdrawal does not affect your account or credit. You can try again the next day after your limit resets, or you can visit a branch to withdraw the additional amount from a teller.

Frequently Asked Questions

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

No. Your $1,000 daily limit applies across all ATM transactions in a single calendar day, regardless of which machines you use or how many separate withdrawals you make. If you withdraw $600 from one ATM and then try to withdraw $500 from another, the second transaction will be declined because it would exceed your daily limit.

Does my ATM limit include cash advances from my credit card?

No. Cash advances from a credit card are not subject to your debit card ATM withdrawal limit. However, credit card cash advances have their own separate limits and typically come with higher fees and interest charges than regular ATM withdrawals.

What if I need to withdraw more than $1,000 today?

Visit a Bank of America branch and withdraw cash from a teller window. Teller withdrawals are not subject to the daily ATM limit. For very large amounts, the branch may ask you to provide notice in advance so they can may support enough cash is on hand.

Can I increase my ATM withdrawal limit permanently?

Possibly. Contact Bank of America customer service or visit a branch to request a permanent limit increase. The bank will review your account history and may approve a higher limit, but this is not may provide. New accounts typically cannot request increases until the account has been open for several months.

Do international ATM withdrawals have the same $1,000 limit?

Bank of America's $1,000 daily limit applies to ATM withdrawals worldwide. However, the ATM operator or the foreign bank may impose additional limits or fees. International ATM withdrawals also typically include currency conversion fees and foreign transaction fees on top of any ATM surcharge.