Bank of America ATM Withdrawal Limits and Daily Caps

What Bank of America ATM withdrawal limits are

Bank of America sets a daily limit on how much cash you can withdraw from an ATM. The standard limit is $1,000 per day, though the exact amount depends on your account type and the decisions you've made about your account settings.

This limit resets at midnight Eastern Time each day. If you withdraw $600 on Monday, you can withdraw up to $400 more before midnight. On Tuesday at 12:01 a.m., your limit resets to $1,000 again.

The limit applies to all Bank of America ATMs and to ATMs in the Allpoint network, which Bank of America customers can use without a fee. It does not explore to withdrawals you make inside a Bank of America branch during business hours — those are handled differently and have no daily cap.

Key Takeaways

• The standard Bank of America ATM withdrawal limit is $1,000 per day, resetting at midnight Eastern Time.
• Your specific limit may be lower if your account type is a student account, a basic checking account, or if you recently opened the account.
• You can request a temporary or permanent increase to your limit by calling Bank of America customer service or visiting a branch.
• Withdrawals at a Bank of America branch teller window have no daily limit, only the limit of your account balance.

How limits vary by account type

Bank of America does not publish a single list of limits for each account type, but the limit you see depends on which checking or savings account you hold. A Bank of America Advantage Checking account typically has the $1,000 daily ATM limit. A Bank of America Student Checking account may have a lower limit, often $500 per day.

New accounts sometimes start with a lower limit than established accounts. If you opened your account within the last 30 days, Bank of America may cap your ATM withdrawals at $500 or less until the account is older. This is a fraud-prevention measure.

The limit also depends on your account history and standing. If you have had overdrafts, returned checks, or other account issues, Bank of America may lower your limit. If you have maintained a high balance and clean account history, your limit may be higher than the standard $1,000.

How to find your personal limit

Your current ATM withdrawal limit appears in the Bank of America mobile app. Open the app, go to your checking or savings account, tap the menu or settings icon, and look for "Account Limits" or "ATM Limits." The number shown is what you can withdraw that day.

You can also call Bank of America customer service at 1-800-432-1000 to ask what your limit is. Have your account number ready. A representative can tell you your limit and explain why it is set at that amount if it is lower than $1,000.

If you are at an ATM and try to withdraw more than your limit, the machine will decline the transaction and display a message. The ATM does not charge a fee for a declined withdrawal, but the attempt counts toward your daily limit in some cases — check your receipt or call customer service to confirm.

Requesting a higher limit

You can request a temporary or permanent increase to your ATM withdrawal limit. Call Bank of America at 1-800-432-1000 and ask to speak with someone about raising your limit. Have your account number and a reason ready — for example, you are traveling and need more cash, or you regularly withdraw large amounts for a business.

Bank of America may approve a temporary increase for a specific number of days, usually 7 to 30 days. This is useful if you know you need extra cash for a short time. A permanent increase is also possible if you have a long account history and no recent account problems.

You can also visit a Bank of America branch in person and ask a representative to increase your limit. Bring your ID and account information. The branch can often process the request on the spot.

Withdrawals at the branch versus the ATM

The $1,000 daily ATM limit does not explore when you withdraw cash at a Bank of America branch teller window during business hours. A teller can give you any amount up to your account balance, with no daily cap. This is the fastest way to withdraw a large amount of cash.

Branch hours vary by location. Most branches are open Monday through Friday from 9 a.m. to 5 p.m., and some are open on Saturday mornings. You can find your nearest branch and its hours on the Bank of America website or in the mobile app.

If you need cash outside branch hours, you are limited to the ATM and its daily cap. Some Bank of America branches have extended hours or weekend hours — check before you go.

What happens if you need more than your limit

If you need to withdraw more than $1,000 in a single day, your options are to visit a branch, request a temporary limit increase before you need the cash, or split the withdrawal across two days.

Splitting across two days means withdrawing $1,000 today and $1,000 tomorrow after midnight. This works if you do not need all the cash at once. If you do need it all at once, a branch withdrawal is the only option that does not require advance planning.

Bank of America does not charge a fee to withdraw cash at an ATM or at a teller window, as long as you are using your own account. Withdrawals from another bank's ATM may incur a fee — check your account agreement for details.

Frequently Asked Questions

Can I withdraw more than $1,000 if I ask the ATM machine?

No. The ATM will not allow a withdrawal above your daily limit, no matter how many times you try. The machine enforces the limit automatically. To withdraw more than $1,000 in one day, you must visit a branch teller.

Does the ATM limit reset at midnight in my time zone or Eastern Time?

The limit resets at midnight Eastern Time, not your local time zone. If you are on the West Coast and it is 11 p.m. Pacific Time, you have one more hour until your limit resets. This can matter if you are traveling across time zones.

If I withdraw $1,000 at an ATM, can I withdraw more at a branch the same day?

Yes. The $1,000 ATM limit is separate from branch withdrawals. You can withdraw $1,000 at an ATM and then withdraw additional cash at a teller window on the same day with no daily cap, as long as your account balance covers it.

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

You cannot withdraw cash at an ATM without your PIN. Visit a Bank of America branch with your ID and ask the teller to withdraw cash from your account. If you have forgotten your PIN, you can reset it through the mobile app or by calling customer service before you go to the branch.

Does Bank of America charge a fee if the ATM declines my withdrawal?

No. A declined withdrawal because you have hit your daily limit does not result in a fee. However, some ATMs outside the Bank of America network may charge a fee for any transaction attempt, including declined ones — check the ATM screen before you insert your card.