Daily withdrawal limits 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 day using an ATM, even if you have more money in your account. The limit resets at midnight Eastern Time each day.

This limit applies whether you use a Bank of America ATM or an ATM owned by another bank. If you try to withdraw more than $1,000 in one day, the ATM will decline the transaction. You will still be able to withdraw up to $1,000 on the same day, but any additional withdrawal requests will be rejected until the next calendar day.

Some account types have different limits. Business accounts, wealth management accounts, and accounts held by customers with higher relationship status at the bank may have higher daily limits. If you have one of these accounts, contact your branch directly to learn your specific limit.

Key Takeaways

  • The standard daily ATM withdrawal limit at Bank of America is $1,000 per day, which resets at midnight Eastern Time.
  • This limit applies to all ATMs — both Bank of America machines and ATMs owned by other banks — when you use your Bank of America card.
  • If you need to withdraw more than $1,000 in a single day, you can visit a branch during business hours and withdraw cash directly from a teller.
  • Business accounts and premium accounts may have higher limits; contact your branch to confirm your account's specific daily maximum.
  • The limit is a security measure to reduce fraud risk, not a reflection of how much money you have available in your account.

Withdrawing more than $1,000 in a single day

If you need more than $1,000 in cash on the same day, visit a Bank of America branch and withdraw directly from a teller. Tellers can process withdrawals larger than the ATM limit, though they may ask you questions about the purpose of the withdrawal if the amount is very large. There is no hard cap on what a teller can withdraw for you — the limit depends on what cash the branch has on hand that day.

Plan ahead if you know you will need a large cash withdrawal. Call your branch in advance and let them know the amount and the date you need it. This gives the branch time to order enough cash from their vault or from the Federal Reserve if needed. Without advance notice, a branch may not have $5,000 or $10,000 in cash when ready available.

If you need cash outside of branch hours, you can withdraw $1,000 at an ATM today and another $1,000 at an ATM tomorrow. The daily limit resets each night, so this is a practical option if you can wait 24 hours.

Why Bank of America has ATM withdrawal limits

The $1,000 daily limit exists to protect your account from fraud. If someone steals your debit card or ATM PIN, the limit prevents them from draining your entire account in one day. This is a standard fraud prevention measure across most banks.

The limit also protects the ATM itself. ATMs have a finite amount of cash loaded into them, and a single large withdrawal could deplete the machine, leaving it empty for other customers. Banks manage ATM cash levels based on expected demand, and the daily limit helps keep machines stocked.

How to increase your daily ATM limit

You can request a higher daily ATM withdrawal limit by contacting Bank of America directly. Call the number on the back of your debit card or visit your local branch. Explain that you need a higher limit and why — for example, if you regularly need to withdraw more than $1,000 for business purposes or planned expenses.

Bank of America will review your account history, the length of time you have been a customer, and your account balance. Customers with longer account histories, higher balances, and no fraud flags are more likely to receive an increase. The bank may raise your limit to $2,000, $3,000, or higher depending on your situation.

Be aware that a higher limit takes a few business days to take effect after approval. If you need a large withdrawal urgently, visiting a branch is faster than requesting a limit increase.

ATM withdrawal limits at other banks using your Bank of America card

When you use your Bank of America debit card at an ATM owned by another bank, the $1,000 daily limit still applies. This limit is set by Bank of America, not by the other bank. You will also pay a fee — typically $2 to $3 — for using an out-of-network ATM, unless you have a premium Bank of America account that waives these fees.

Bank of America is part of the Allpoint network, which includes thousands of ATMs worldwide where you can withdraw cash without a fee. You can find an Allpoint ATM using the Bank of America mobile app or the Allpoint website. Using an Allpoint ATM avoids the out-of-network fee but does not change your $1,000 daily limit.

What happens if you need cash but hit your limit

If you have already withdrawn $1,000 today and need more cash before midnight, your options are limited. You cannot withdraw more from an ATM. You can visit a Bank of America branch during business hours — most branches are open until 5 or 6 p.m. on weekdays and have limited Saturday hours — and withdraw cash from a teller.

If all branches are closed, you can use a credit card instead of cash if the merchant accepts it, or you can wait until the next day when your ATM limit resets. Some merchants also offer cash back when you make a purchase with your debit card, which does not count against your ATM withdrawal limit, though this is only practical for small amounts.

Frequently Asked Questions

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

No. The $1,000 limit is a daily total, not a per-ATM limit. If you withdraw $1,000 from one ATM, you cannot withdraw another $1,000 from a different ATM on the same day. The limit applies to all withdrawals combined across all ATMs until midnight Eastern Time.

Does the $1,000 limit explore to transfers or online withdrawals?

No. The $1,000 daily limit applies only to ATM withdrawals. You can transfer money between your own accounts, send money to other people, or withdraw cash at a branch teller window without hitting this limit. The limit is specific to ATM machines.

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

Visit a Bank of America branch with a valid ID and withdraw cash from a teller. Tellers can verify your identity and process the withdrawal without requiring your PIN. You can also reset your PIN at an ATM or through the Bank of America mobile app if you remember your online banking password.

Do savings accounts have the same $1,000 ATM limit as checking accounts?

Yes. Both checking and savings accounts have the same $1,000 daily ATM withdrawal limit at Bank of America. The limit applies regardless of which account type you use to make the withdrawal.

Will requesting a higher ATM limit hurt my credit score?

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