Bank of America ATM Withdrawal Limits and How They Work

Your daily withdrawal limit at Bank of America ATMs

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 from any Bank of America ATM, regardless of how much money is in your account. The limit resets at midnight Eastern Time.

The $1,000 daily limit is the standard across Bank of America's network of over 16,000 ATMs in the United States. If you try to withdraw more than this amount in one day, the ATM will decline the transaction. This is a security measure designed to protect your account from fraud.

Your actual withdrawal limit may be lower than $1,000 if you have a newer account, a student account, or certain other account types. When you open a new checking account with Bank of America, the bank sometimes starts you with a lower daily limit — often $500 — and raises it after 30 days of account activity.

Key Takeaways

• Most Bank of America customers can withdraw up to $1,000 per day from any Bank of America ATM, and this limit resets at midnight Eastern Time.
• New accounts may start with a lower limit, such as $500, which typically increases after 30 days of regular account use.
• If you need to withdraw more than your daily limit, you can visit a Bank of America branch during business hours and withdraw cash directly from a teller.
• ATM withdrawal limits are separate from debit card purchase limits, which are often higher and controlled by different fraud-prevention rules.
• You can request a temporary increase to your daily ATM limit by calling Bank of America customer service, though approval is not may provide.

How to check your personal withdrawal limit

Your specific daily ATM limit is tied to your individual account and may differ from the standard $1,000. The fastest way to find out your limit is to log into your Bank of America online banking account or mobile app. Look for account settings or account details, where the daily ATM withdrawal limit is usually listed.

You can also call Bank of America customer service at 1-800-432-1000 to ask about your limit. Have your account number ready. A representative can tell you your current limit and explain why it may be different from the standard amount.

If you attempt a withdrawal that exceeds your limit, the ATM will display a message saying the transaction cannot be completed. This does not harm your account or trigger any penalty — it straightforward means the ATM is enforcing the limit.

Withdrawing more than your daily limit

If you need cash beyond your daily ATM limit, visit a Bank of America branch and withdraw directly from a teller. Teller withdrawals are not subject to the same daily ATM limits. You can withdraw any amount up to your account balance, though the branch may ask you to provide identification and may need advance notice for very large amounts (typically $10,000 or more).

Plan ahead if you know you will need a large withdrawal. Call the branch ahead of time to confirm they have enough cash on hand. Some branches keep limited cash in the vault and may need a day or two to prepare for a withdrawal of several thousand dollars.

If you are traveling or do not have a nearby branch, you can also request a temporary increase to your daily ATM limit before you leave. Call customer service and explain why you need the higher limit. The bank may grant a one-time increase, though this is at their discretion and not may provide.

ATM withdrawal limits versus debit card purchase limits

Your daily ATM withdrawal limit is separate from your debit card purchase limit. You might be able to make debit card purchases up to $2,000 or more per day while still being restricted to $1,000 in ATM withdrawals. These limits exist because ATM withdrawals and debit card transactions carry different fraud risks.

ATM withdrawals are considered higher-risk because once you have the cash, the bank cannot easily reverse the transaction. Debit card purchases leave a merchant record and can be disputed more easily. For this reason, banks often set lower daily limits on ATM withdrawals than on debit card spending.

If you have questions about your debit card purchase limit, that information is also available in your online banking account or by calling customer service.

What happens if you need cash regularly beyond the limit

If your regular spending patterns require more than $1,000 in daily cash withdrawals, you have a few options. The simplest is to plan your withdrawals across multiple days. If you need $2,000, withdraw $1,000 on one day and $1,000 the next day.

Another option is to request a permanent increase to your daily ATM limit. Call Bank of America customer service and ask whether your account is may be able to access for a higher limit. The bank considers factors like your account history, account balance, and account type when deciding whether to raise the limit. Accounts with longer histories and higher balances are more likely to receive an increase.

If you are a Bank of America Preferred Rewards member (which requires maintaining a certain account balance or having a mortgage or investment account with the bank), you may already have a higher ATM withdrawal limit. Check your account details to see whether this benefit applies to you.

Using ATMs outside the Bank of America network

If you use an ATM that is not owned by Bank of America, your withdrawal limit may be different. Bank of America is part of the Allpoint ATM network, which includes thousands of ATMs at retailers like Walmart, Target, and CVS. Allpoint ATMs typically honor your Bank of America daily limit of $1,000.

ATMs owned by other banks or independent operators may have their own limits, which could be lower than $1,000. When you use an out-of-network ATM, the ATM operator's limit applies, not Bank of America's limit. You may also be charged a fee by the ATM operator, though Bank of America does not charge a fee for using Allpoint ATMs.

Before traveling, check the Allpoint ATM locator on the Bank of America website to find ATMs you can use without out-of-network fees.

Frequently Asked Questions

Can I withdraw more than $1,000 if I have more than $1,000 in my account?

No. The $1,000 daily ATM limit is a security restriction, not a balance restriction. Even if you have $10,000 in your account, you cannot withdraw more than $1,000 from an ATM in one day. To withdraw more, you must visit a branch and use a teller.

Does the daily limit reset if I use a different ATM?

No. Your daily limit is tied to your account, not to individual ATMs. If you withdraw $600 from one Bank of America ATM, you can only withdraw $400 more from any Bank of America ATM that same day. The limit resets at midnight Eastern Time.

What if I forgot my PIN and need to withdraw cash?

You cannot withdraw cash from an ATM without your PIN. Visit a Bank of America branch with your ID and withdraw cash from a teller instead. If you need to reset your PIN, you can do so through your online banking account or by calling customer service.

Will requesting a higher limit hurt my credit score?

No. Requesting a higher ATM withdrawal limit is an internal account change and does not involve a credit inquiry. It will not affect your credit score.

Why did my ATM limit suddenly decrease?

Bank of America may lower your daily limit if there has been suspicious activity on your account, if you have had overdrafts, or if your account type changed. Call customer service to ask why your limit was reduced and what you can do to restore it.