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 take out more than $1,000 in a single calendar day across all Bank of America ATMs combined. The limit resets at midnight Eastern Time.

The $1,000 limit applies whether you use a Bank of America ATM, a MoneyPass network ATM, or an ATM at another bank that Bank of America has partnered with. One withdrawal of $800 and a second withdrawal of $300 on the same day would hit your limit — you could not make a third withdrawal that day.

Some account types have different limits. If you hold a Bank of America Preferred Rewards account or certain premium checking products, you may have a higher daily limit. The specific amount depends on your account tier and your relationship with the bank. You can check your personal limit by logging into your Bank of America account online or calling customer service at the number on the back of your card.

Key Takeaways

  • The standard daily ATM withdrawal limit at Bank of America is $1,000 per calendar day, resetting at midnight Eastern Time.
  • The limit applies across all ATMs you use that day — Bank of America machines, MoneyPass network machines, and partner bank ATMs all count toward the same $1,000 cap.
  • Premium account holders may have higher limits, and you can find your specific limit by logging into your online account or calling the customer service number on your card.
  • If you need to withdraw more than your daily limit, you can request a temporary increase before you need the money, or you can withdraw cash inside a Bank of America branch during business hours.

Why Bank of America sets daily withdrawal limits

Daily limits exist primarily as a fraud prevention measure. If someone gains unauthorized access to your card or account, a withdrawal cap limits how much they can take in a single day. The limit also protects the bank from sudden large cash demands that could strain its ATM network.

The $1,000 figure is not arbitrary — it reflects what Bank of America considers a reasonable balance between customer convenience and risk management. Most everyday cash needs fall well below this amount. If you regularly need more than $1,000 in cash per day, that pattern itself is unusual enough that the bank wants to know about it before it happens.

Withdrawing more than your daily limit

If you need cash beyond your daily limit, you have two main options. The first is to visit a Bank of America branch during business hours and withdraw cash directly from a teller. Teller withdrawals are not subject to the ATM daily limit — you can withdraw much larger amounts this way, though the branch may need to order cash in advance if you need several thousand dollars or more.

The second option is to request a temporary increase to your ATM limit before you need the money. You can do this by calling Bank of America customer service or by visiting a branch in person. When you request an increase, explain why you need it and for how long. The bank may approve a one-time higher limit for a specific date, or a temporary increase lasting a few days. This process usually takes one business day, so plan ahead.

Do not attempt to circumvent your limit by making multiple withdrawals at different ATMs on the same day — they all count toward your single daily limit. Similarly, withdrawing from a different account you own does not reset the limit; Bank of America tracks limits per person, not per account.

How the daily limit resets

Your daily limit resets at midnight Eastern Time every calendar day. This means if you withdraw $600 at 11:45 p.m. on Monday, you can withdraw another $400 after midnight on Tuesday. The reset is automatic — you do not need to do anything to make it happen.

The timing matters if you are near your limit late in the day. If you withdraw $950 at 10 p.m. and then try to withdraw $100 at 11:30 p.m., the second withdrawal will be denied because you have not yet crossed into the next calendar day. Wait until after midnight and the second withdrawal will go through.

What happens when you hit your limit

When you attempt to withdraw more than your remaining daily limit, the ATM will decline the transaction. The machine will display a message saying something like "Daily limit exceeded" or "Transaction cannot be completed." Your card will be returned, and no money will be dispensed.

A declined withdrawal does not lock your account or trigger a fraud alert, though repeated declined transactions in a short time might. If you hit your limit by accident, straightforward wait until after midnight to complete the withdrawal, or visit a branch to withdraw cash from a teller instead.

ATM limits versus debit card purchase limits

Your ATM withdrawal limit is separate from your debit card purchase limit. You might have a $1,000 daily ATM limit but a $5,000 daily debit card purchase limit, or vice versa. These limits serve different purposes — the ATM limit controls cash withdrawals, while the purchase limit controls how much you can spend with your card at stores and online.

If you max out your ATM limit, you can still use your debit card to make purchases up to your purchase limit. Similarly, hitting your purchase limit does not affect how much you can withdraw at an ATM. Check your account details online to see both limits clearly.

Frequently Asked Questions

Can I withdraw $2,000 if I split it into two $1,000 withdrawals on the same day?

No. Bank of America counts all ATM withdrawals on the same calendar day toward your single daily limit. Two $1,000 withdrawals would exceed your limit, and the second one would be declined. You would need to wait until after midnight to make the second withdrawal.

Does my daily limit reset if I use an ATM at a different bank?

No. Your Bank of America daily limit applies to all ATMs you use, regardless of which bank owns the machine. Whether you use a Bank of America ATM, a MoneyPass network ATM, or an ATM at another bank, all withdrawals count toward your $1,000 daily cap.

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

Visit a Bank of America branch and withdraw cash from a teller. Teller withdrawals are not subject to the ATM daily limit. If you need a very large amount, call ahead to make sure the branch has enough cash on hand, or ask them to order it for you.

Will requesting a higher ATM limit affect my credit score?

No. Requesting a temporary increase to your ATM withdrawal limit is an internal account change and does not involve a credit check. It will not appear on your credit report or affect your credit score.

Can I withdraw cash from my savings account at an ATM?

Yes, if your savings account is linked to a Bank of America ATM card or debit card. The $1,000 daily limit applies to savings account withdrawals the same way it applies to checking account withdrawals. Some savings accounts may have different limits — check your account details online or call customer service to confirm.