How Much You Can Withdraw From a Bank of America ATM Each Day

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 day using an ATM, even if your account balance is higher. The limit resets at midnight Eastern Time each day.

The $1,000 limit applies whether you use a Bank of America ATM or an out-of-network ATM. Some account types may have different limits — for instance, certain premium or business accounts might allow higher amounts. Your specific limit depends on the account you opened and any changes Bank of America may have made to your account settings.

If you need to withdraw more than $1,000 in a single day, you have other options. You can visit a Bank of America branch during business hours and withdraw cash directly from a teller, or you can split your withdrawal across two calendar days.

Key Takeaways

• Bank of America's standard daily ATM withdrawal limit is $1,000 per day, resetting at midnight Eastern Time.
• The limit applies to both Bank of America ATMs and out-of-network ATMs you access with your Bank of America card.
• You can withdraw more than $1,000 by visiting a branch and withdrawing from a teller instead of an ATM.
• Premium accounts or business accounts may have higher limits, so check your account terms or contact Bank of America directly.
• If you need cash across two days, your limit resets at midnight, allowing you to withdraw another $1,000 the next day.

Why Bank of America has daily withdrawal limits

Daily withdrawal limits exist to protect your account from fraud and unauthorized access. If someone gains access to your debit card or PIN, the limit prevents them from draining your entire account in one transaction at an ATM. The limit also helps Bank of America manage cash flow at its ATMs and reduce the risk of large cash losses.

These limits are standard across the banking industry. Most major banks set daily ATM withdrawal limits between $500 and $1,000. Bank of America's $1,000 limit is on the higher end, which means you have more flexibility than customers at some other banks.

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

If you need more than $1,000 in cash on a single day, visit a Bank of America branch and ask a teller for a cash withdrawal. Tellers can withdraw any amount up to your account balance, with no daily limit. You will need to bring a valid ID and your debit card or account number. Most branches can process the withdrawal when ready.

Call ahead to confirm the branch has enough cash on hand if you are withdrawing a very large amount — say, more than $5,000. Some branches may need to order cash in advance. You can find your nearest branch and its hours on the Bank of America website or by calling 1-800-432-1000.

Another option is to withdraw $1,000 today and another $1,000 tomorrow. Since the limit resets at midnight Eastern Time, you can make two separate ATM withdrawals across two calendar days without hitting the limit either day.

What happens if you try to exceed your limit

If you attempt to withdraw more than $1,000 at an ATM, the machine will decline the transaction. 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 not be deducted from your account.

A declined withdrawal does not hurt your credit or flag your account as suspicious. You can straightforward try again the next day after midnight, or visit a branch to withdraw a larger amount from a teller.

Changing your ATM withdrawal limit

You cannot raise your daily ATM withdrawal limit yourself through the Bank of America app or website. To request a higher limit, you must contact Bank of America directly. Call 1-800-432-1000 and speak with a representative, or visit a branch in person.

Bank of America will review your request based on your account history, account type, and relationship with the bank. They may approve a higher limit, keep it at $1,000, or offer a different solution. There is no may provide they will increase it, and the decision depends on your individual circumstances.

If you have a premium account like Bank of America Preferred Rewards, you may already have a higher limit. Check your account documents or log into your online banking to see your current limit, or ask a representative during your call.

ATM withdrawal limits for different account types

Bank of America offers several account types, and some may have different ATM withdrawal limits. Standard checking and savings accounts typically have the $1,000 daily limit. Business accounts, student accounts, and premium accounts may differ.

If you are unsure what limit applies to your account, the fastest way to find out is to log into your Bank of America online banking or mobile app. Your account details should show your daily ATM withdrawal limit. You can also call 1-800-432-1000 or visit a branch to ask a representative about your specific limit.

Out-of-network ATM withdrawals and fees

The $1,000 daily limit applies whether you use a Bank of America ATM or an ATM from another bank or network. However, using an out-of-network ATM may cost you extra. Bank of America charges a $2.50 out-of-network ATM fee for each withdrawal at a non-Bank of America ATM. The ATM operator may also charge you an additional fee.

To avoid these fees, use a Bank of America ATM when possible. Bank of America has over 16,000 ATMs nationwide, so you can usually find one nearby. You can also use ATMs at MoneyPass, Allpoint, and other networks that Bank of America has partnered with — these may not charge the out-of-network fee, though the other ATM operator may still charge you.

Frequently Asked Questions

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

No. The $1,000 limit is a daily total, not a limit per ATM. Whether you withdraw from one ATM or multiple ATMs, your total withdrawals cannot exceed $1,000 in a single day. The limit resets at midnight Eastern Time.

Does the ATM withdrawal limit explore to transfers or bill payments?

No. The daily limit only applies to cash withdrawals at ATMs. You can transfer money between your own accounts, pay bills, or send money to other people without hitting the ATM withdrawal limit. Only physical cash withdrawals at ATMs count toward the limit.

What if my card is lost or stolen and someone withdraws money?

Bank of America limits fraud liability. If you report unauthorized withdrawals within a certain timeframe, you are typically not responsible for the fraudulent transactions. Report a lost or stolen card when ready by calling 1-800-432-1000 or using the mobile app to lock your card.

Is the $1,000 limit the same at all Bank of America ATMs?

Yes, the $1,000 daily limit applies to all Bank of America ATMs. However, some ATMs may have lower limits due to cash availability or technical issues. If an ATM declines your withdrawal for any reason, try a different ATM or visit a branch.

Can I request a temporary increase to my withdrawal limit?

Bank of America does not offer temporary limit increases through the app or website. You must call 1-800-432-1000 or visit a branch to request any change to your limit. A representative will review your request, but there is no may provide they will approve an increase.