Bank of America ATM Withdrawal Limits: What You Can Take Out

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 calendar day from any ATM, whether it belongs to Bank of America or another network.

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 exists across all your Bank of America accounts combined. If you have two checking accounts, withdrawals from both count toward the same $1,000 daily total.

Key Takeaways

• Bank of America's standard daily ATM withdrawal limit is $1,000 per calendar day for most account types.
• The limit applies to all ATMs you use — Bank of America machines, partner networks, and out-of-network ATMs all count toward the same daily total.
• You can request a temporary or permanent increase to your limit by calling Bank of America or visiting a branch in person.
• If you need cash beyond your limit, you can withdraw from a teller inside a Bank of America branch without hitting the ATM restriction.
• Some account types, such as certain business accounts, may have different limits than the standard $1,000.

How the $1,000 Daily Limit Works

The limit is a per-day cap, not a per-transaction cap. You can make multiple withdrawals throughout the day — $200 here, $300 there, $500 later — as long as the total does not exceed $1,000 before midnight.

The calendar day runs from midnight to midnight Eastern Time. If you live on the West Coast and withdraw $800 at 11 p.m. Pacific time, you still have $200 remaining in your limit for that calendar day, even though it is almost midnight on the East Coast.

Withdrawals at Bank of America ATMs, ATMs in the Allpoint network, and ATMs outside both networks all count the same way toward your daily limit. There is no separate limit for in-network versus out-of-network machines.

Withdrawing Cash Without the ATM Limit

If you need more than $1,000 in a single day, you can withdraw cash directly from a teller inside a Bank of America branch. Teller withdrawals are not subject to the ATM daily limit.

You will need to bring a valid ID and know your account number or have your debit card. The teller can withdraw any amount you request, though the branch may ask about large withdrawals for record-keeping purposes. There is no Bank of America-imposed cap on teller withdrawals.

Branch hours vary by location. You can find your nearest branch and its hours on the Bank of America website or by calling 1-800-432-1000.

Requesting a Higher Daily Limit

You can ask Bank of America to raise your daily ATM withdrawal limit. The bank will review your account history, account type, and relationship with the bank before deciding whether to increase it.

To request a limit increase, call Bank of America at 1-800-432-1000 and speak with a representative, or visit a branch in person. You can request either a temporary increase (for a specific period) or a permanent increase to your limit. The bank may ask why you need the higher limit.

There is no may provide the bank will approve a higher limit. Approval depends on your account standing and history. If approved, the new limit typically takes effect within one to two business days.

ATM Limits for Different Account Types

Most Bank of America checking and savings accounts share the same $1,000 daily ATM limit. However, some account types have different rules.

Business accounts may have higher limits or different structures than personal accounts. Wealth Management accounts and premium banking tiers sometimes offer higher daily limits as part of their benefits. If you hold one of these account types, contact Bank of America directly to learn your specific limit.

Student accounts and basic savings accounts typically follow the standard $1,000 limit. If you are unsure which limit applies to your account, call 1-800-432-1000 or log into your online banking to check your account details.

What Happens If You Try to Exceed Your Limit

If you attempt to withdraw more than your remaining daily limit at an ATM, the machine will decline the transaction. The ATM will display a message indicating the withdrawal cannot be completed, usually without specifying the reason.

A declined ATM withdrawal does not hurt your credit or account standing. You can try again the next day once your limit resets, or you can visit a branch to withdraw from a teller instead.

Some ATMs may allow you to withdraw a smaller amount if your first attempt exceeds your limit. For example, if you have $400 remaining in your daily limit and request $500, the ATM may offer to dispense $400 instead.

Frequently Asked Questions

Can I withdraw more than $1,000 if I use multiple ATMs on the same day?

No. The $1,000 limit applies to all ATM withdrawals combined in a single calendar day, regardless of which machines you use. Withdrawals at Bank of America ATMs, partner network ATMs, and out-of-network ATMs all count toward the same daily total.

Does the ATM limit explore to transfers or just cash withdrawals?

The ATM limit applies only to cash withdrawals from ATMs. Transfers between your own accounts, bill payments, and other transactions do not count toward the $1,000 daily limit. Only physical cash you take out of an ATM counts.

What time does the daily limit reset?

The limit resets at midnight Eastern Time each day. If you live in a different time zone, the reset happens at midnight ET, not your local midnight. For example, on the West Coast, the limit resets at 9 p.m. Pacific Time.

Can I withdraw $1,000 from two different ATMs on the same day?

No. You can withdraw a combined total of $1,000 across all ATMs in one day. If you withdraw $600 from one ATM and then try to withdraw $600 from another ATM the same day, the second transaction will be declined because you would exceed your $1,000 daily limit.

Is there a limit on how much I can withdraw from a Bank of America teller?

There is no Bank of America-imposed daily limit on teller withdrawals. You can withdraw any amount your account holds. The branch may ask questions about very large withdrawals for compliance reasons, but they cannot refuse based on a daily cap.