Your daily withdrawal limit depends on your account type and whether you use a Bank of America ATM or another bank's machine

Bank of America sets a standard 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 across all ATMs, whether they belong to Bank of America or another bank. The limit resets at midnight Eastern Time.

If you have a premium account like Bank of America Preferred Rewards or a business account, your limit may be higher—sometimes $2,000 or more per day. The exact amount depends on your specific account tier and your relationship with the bank. Your account agreement or online banking portal will show your personal limit.

Using an ATM outside the Bank of America network does not change your withdrawal limit, but it may trigger a fee. Bank of America charges $3 for out-of-network ATM withdrawals at most banks, though some partner networks like Allpoint and MoneyPass waive this fee.

Key Takeaways

  • Standard Bank of America ATM withdrawal limit is $1,000 per calendar day for most accounts, resetting at midnight Eastern Time.
  • Premium and business accounts may have higher daily limits, ranging from $1,500 to $2,000 or more depending on account type.
  • Your limit applies across all ATMs—Bank of America and other banks—so withdrawing $600 at one ATM leaves you $400 for the day.
  • You can request a temporary or permanent increase to your limit by contacting Bank of America, though approval is not may provide.
  • Out-of-network ATM withdrawals count toward your daily limit and may carry a $3 fee unless you use a partner network.

How to find your specific withdrawal limit

Your personal ATM limit is visible in your Bank of America online banking account or mobile app. Log in, go to Settings or Account Details, and look for "ATM Withdrawal Limit" or "Daily Limits." The number shown is your current maximum for that day.

If you cannot find it online, call Bank of America customer service at 1-800-432-1000 and ask for your daily ATM withdrawal limit. They can tell you the amount in seconds and explain whether your account qualifies for a higher limit based on your account type or relationship status.

Requesting a higher withdrawal limit

You can request an increase to your daily ATM limit by calling Bank of America at 1-800-432-1000 or visiting a local branch in person. Explain why you need a higher limit—for example, a large planned purchase or a business need—and the bank will review your request.

Bank of America does not may provide approval, and the decision depends on your account history, account balance, and relationship with the bank. If approved, the increase may be temporary (for a set number of days) or permanent. Some customers report approval within hours; others are denied. There is no fee to request an increase.

If you need cash beyond your limit on a specific day, you can also withdraw money inside a Bank of America branch during business hours. In-branch withdrawals are not subject to the same daily ATM limit, though the bank may ask questions about very large amounts.

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. You will not be charged a fee for the declined withdrawal, but the ATM may keep your card temporarily as a security measure. If this happens, contact Bank of America when ready to have your card released.

The declined transaction does not affect your account balance or credit. It straightforward means the ATM rejected the request because it exceeded your preset limit. You can try again the next calendar day once your limit resets.

ATM limits at partner banks and networks

Bank of America is part of the Allpoint and MoneyPass ATM networks, which means you can withdraw cash at thousands of ATMs outside the Bank of America system without paying a fee. However, your daily withdrawal limit still applies—these partner ATMs count toward your $1,000 (or higher) daily maximum.

Some credit unions and regional banks also have fee-sharing agreements with Bank of America. Check your account details or call customer service to see which networks your account can access without fees.

Limits on multiple withdrawals in one day

Your daily limit is a total, not a per-transaction limit. If your limit is $1,000, you could withdraw $500 at one ATM and $500 at another, or $200 four times, or any combination that adds up to $1,000. Once you hit the total, no further ATM withdrawals will be approved that day.

The limit applies to all ATM withdrawals—yours and anyone else's using your card. If someone else has access to your debit card and withdraws $600, you have only $400 left for the day. This is why it is important to monitor your account and report unauthorized withdrawals when ready.

Frequently Asked Questions

Can I withdraw more than $1,000 if I go to a Bank of America branch instead of an ATM?

Yes. In-branch withdrawals are not subject to the same daily ATM limit. You can withdraw larger amounts at a teller window during business hours. The bank may ask for identification or documentation for very large withdrawals, and they may need to order cash if the branch does not have enough on hand.

Does my withdrawal limit reset at midnight or at a specific time?

Bank of America's daily limit resets at midnight Eastern Time, regardless of where you live. If you live on the West Coast and withdraw $1,000 at 11 p.m. Pacific time, your limit will reset in one hour. If you withdraw at 1 a.m. Pacific time, you have already passed the midnight Eastern reset.

What if I have multiple Bank of America accounts?

Each account has its own separate daily withdrawal limit. If you have two checking accounts, each one has a $1,000 limit, so you could withdraw $1,000 from each account's ATM card in the same day. However, if both cards are linked to the same debit card, the limit applies to the card, not the account.

Will Bank of America increase my limit permanently if I ask?

Bank of America may approve a permanent increase if you have a good account history and maintain a high balance, but approval is not may provide. Permanent increases are more common for customers with premium accounts or strong banking relationships. You can request one by calling customer service or visiting a branch.

Do ATM fees count toward my withdrawal limit?

No. The $3 out-of-network ATM fee is charged separately and does not reduce the amount you can withdraw. If you withdraw $1,000 at a non-Bank of America ATM, you withdraw the full $1,000, but you are also charged a $3 fee on top of that.