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

The $1,000 limit applies whether you use a Bank of America ATM or an out-of-network ATM. It also applies whether you withdraw cash once or make multiple withdrawals throughout the day — the total across all withdrawals cannot exceed $1,000 in a 24-hour period.

Some account types have different limits. If you hold a Bank of America Advantage Plus account, a student checking account, or certain other specialty accounts, your limit may be lower — sometimes $500 or $600. You can find your specific limit by logging into your online banking, calling 1-800-432-1000, or visiting a branch.

Key Takeaways

  • The standard daily ATM withdrawal limit is $1,000 per calendar day, resetting at midnight Eastern Time.
  • Some account types have lower limits, typically $500 to $600, and you should check your account details to know your exact limit.
  • You can request a temporary increase to your limit by calling Bank of America customer service or visiting a branch in person.
  • If you need more than your daily limit, you can withdraw cash inside a branch during business hours without hitting the ATM limit.
  • Out-of-network ATM withdrawals count toward your Bank of America limit and may also carry separate fees from the other bank.

How to request a higher withdrawal limit

If you need to withdraw more than $1,000 in a day, you can request a temporary increase. Call Bank of America at 1-800-432-1000 and speak with a representative. They can raise your limit for a specific date or a short period — usually up to 24 to 48 hours. The bank may ask why you need the increase, but they often approve requests without extensive questions.

A permanent increase is also possible. If you regularly need to withdraw large amounts, you can ask about raising your baseline limit. Bank of America considers factors like your account history, balance, and relationship with the bank. There is no may provide they will approve, but long-standing customers with good account standing have better odds.

The fastest way to get cash beyond your ATM limit is to visit a branch during business hours and withdraw directly from a teller. Teller withdrawals are not subject to the same daily ATM limits, though the bank may still ask questions about very large withdrawals (typically $10,000 or more, due to federal reporting rules).

Why Bank of America has withdrawal limits

ATM withdrawal limits exist for two reasons: fraud prevention and cash management. If someone gains access to your debit card, a $1,000 daily limit caps their damage. The limit also helps Bank of America manage how much cash it needs to stock in each ATM and plan for peak withdrawal times.

These limits are standard across the banking industry. Most major banks — Chase, Wells Fargo, Citibank — use similar $1,000 daily limits for standard accounts. Some banks set lower limits ($500), and some premium accounts may have higher limits ($2,000 or more), but the range is consistent.

Withdrawals at Bank of America branches versus ATMs

The $1,000 daily limit applies only to ATM withdrawals. If you walk into a Bank of America branch and ask a teller for cash, that withdrawal does not count toward your ATM limit. You can withdraw $1,000 at an ATM and then go inside and withdraw another $1,000 from a teller on the same day.

However, large cash withdrawals — typically $10,000 or more — trigger a federal reporting requirement called a Currency Transaction Report (CTR). This is not a problem if the money is yours, but the bank must file the report with the government. If you regularly withdraw large amounts, the bank may ask about the source of the funds.

Branch hours vary by location. Most Bank of America branches are open Monday through Friday from 9 a.m. to 5 p.m., with limited Saturday hours. Some locations have extended hours. Check your local branch hours on the Bank of America website or by calling ahead.

Out-of-network ATM withdrawals and limits

When you use an ATM that does not belong to Bank of America, your withdrawal still counts toward your $1,000 daily limit with Bank of America. However, the other bank that owns the ATM may also have its own limit on how much you can withdraw in one transaction — typically $500 to $1,000 per withdrawal.

Out-of-network ATM withdrawals also carry fees. Bank of America charges you a fee (usually $2 to $3), and the other bank charges its own fee (usually $1 to $3). If you need cash regularly, using Bank of America ATMs avoids these extra charges. You can find Bank of America ATMs using the mobile app or the ATM locator on the website.

What happens if you try to withdraw more than your limit

If you attempt to withdraw more than your daily limit at an ATM, the machine will decline the transaction. The ATM will display a message saying the withdrawal cannot be processed. Your card will not be blocked, and you can try again the next day after midnight Eastern Time when the limit resets.

A declined ATM withdrawal does not affect your account or credit. It straightforward means the limit has been reached. If you need the cash urgently, your options are to request a temporary limit increase by phone, visit a branch for a teller withdrawal, or wait until the next calendar day.

Frequently Asked Questions

Can I withdraw $2,000 if I split it between two ATMs on the same day?

No. Your $1,000 daily limit is a total across all ATM withdrawals, regardless of which ATMs you use or how many times you withdraw. Two $500 withdrawals at different ATMs still count as $1,000 total for the day.

Does my limit reset at midnight in my time zone or Bank of America's time zone?

The limit resets at midnight Eastern Time, not your local time zone. If you live on the West Coast and withdraw $1,000 at 11 p.m. Pacific time, you cannot withdraw again until midnight Eastern Time (which is 9 p.m. Pacific the next day).

If I have multiple Bank of America accounts, do the limits combine?

No. Each account has its own $1,000 daily ATM limit. If you have a checking account and a savings account, you can withdraw $1,000 from each account's ATM in the same day, for a total of $2,000 across both accounts.

What if I need to withdraw more than $1,000 regularly?

Contact Bank of America to discuss a permanent limit increase. You can call 1-800-432-1000 or visit a branch. The bank will review your account and may approve a higher limit based on your account history and balance. Alternatively, you can make regular branch withdrawals from a teller, which are not subject to ATM limits.

Do prepaid cards and money market accounts have the same $1,000 limit?

Limits vary by account type. Bank of America prepaid cards may have different limits than checking accounts. Money market accounts typically follow the same $1,000 limit as savings accounts, but you should check your specific account terms or call customer service to confirm your limit.