Daily withdrawal limits at Bank of America ATMs
Bank of America sets a daily ATM withdrawal limit — the most cash you can take out in a single day across all their ATMs. For most checking and savings accounts, this limit is $1,000 per day. Some account types or customers with longer banking history may have higher limits, but $1,000 is the standard starting point.
This limit resets at midnight Eastern Time each day. If you withdraw $800 on Monday, your remaining limit for that day is $200. On Tuesday at midnight, your full $1,000 limit returns.
The limit applies to all Bank of America ATMs nationwide, not to individual machines. It also applies whether you're withdrawing from a checking account, savings account, or money market account — the daily total across all your accounts is what counts.
Key Takeaways
- Most Bank of America customers can withdraw up to $1,000 per day from any Bank of America ATM.
- Your daily limit resets at midnight Eastern Time, not at the time of your first withdrawal.
- The $1,000 limit is a combined total across all your Bank of America accounts and all their ATMs.
- You can request a temporary or permanent limit increase by calling Bank of America or visiting a branch in person.
- ATMs have their own separate limits on how much cash they physically hold, which may prevent a withdrawal even if you have daily limit remaining.
Why Bank of America sets daily ATM limits
Daily withdrawal limits exist to protect your account if your debit card is lost or stolen. If someone finds your card and PIN, the limit caps how much they can take before you notice and report the card missing. Without this protection, a thief could drain your entire account in one visit.
The limit also helps Bank of America manage cash flow across their ATM network. ATMs have to be stocked with physical cash, and knowing the maximum daily withdrawal helps them predict how much cash each machine needs.
How to request a higher daily limit
If $1,000 per day is not enough for your needs, you can request an increase. Call Bank of America's customer service at the number on the back of your debit card, or visit a branch in person with your ID and account information. Be prepared to explain why you need a higher limit — for example, a large planned purchase or regular business cash needs.
Bank of America will review your account history, how long you have banked with them, and your account balance. Approval is not may provide. If approved, the new limit may be permanent or temporary (set to expire after a certain date). Ask which type you are receiving.
Some customers report that requesting a temporary increase for a specific date — rather than a permanent raise — is approved more quickly. For example, "I need $3,000 on Saturday for a car purchase" may be approved faster than "I want my daily limit raised to $3,000 permanently."
What happens if you hit your daily limit
If you try to withdraw more than your remaining daily limit, the ATM will decline the transaction. The machine will display a message saying the withdrawal cannot be completed. Your card will be returned, and no money will be taken.
A declined ATM withdrawal does not lock your account or trigger fraud alerts. You can try again the next day once your limit resets, or you can go inside a Bank of America branch during business hours and withdraw cash from a teller. Teller withdrawals are not subject to the same daily ATM limits.
Withdrawing cash from a teller instead of an ATM
If you need more than $1,000 in cash and cannot wait until the next day, visit a Bank of America branch and ask a teller to withdraw the money for you. Teller withdrawals have higher limits — often $5,000 or more per day depending on your account type and the branch's cash on hand.
You will need to bring a valid ID. The teller may ask what the cash is for, especially for very large withdrawals. This is a standard anti-money-laundering question, not a sign of suspicion. Answer honestly and briefly.
Teller withdrawals take a few minutes but do not require advance notice for amounts under $10,000. For larger amounts, some branches ask you to call ahead so they can may support they have enough cash in the vault.
ATM machine limits versus your account limit
Even if your daily limit is $1,000, an individual ATM might not have $1,000 in cash available. Older or less-trafficked machines sometimes hold only $500 or $700. If you try to withdraw $1,000 from a machine that only has $600, the ATM will decline the full request.
In this case, you can try a different ATM, or you can withdraw a smaller amount that the machine can provide. There is no penalty for a declined ATM withdrawal. If you consistently run into machines without enough cash, try using ATMs in busier locations, which are restocked more frequently.
Frequently Asked Questions
Can I withdraw $1,000 twice in one day?
No. Your $1,000 daily limit is a total across all withdrawals in a single day. If you withdraw $1,000 in the morning, you cannot withdraw again until midnight when the limit resets. You could withdraw $500 in the morning and $500 in the afternoon, but not $1,000 twice.
Do transfers and bill payments count toward my ATM withdrawal limit?
No. The daily ATM limit applies only to cash withdrawals at ATMs. Transferring money between your accounts, paying bills online, or using your debit card to make purchases do not count toward this limit. Only physical cash taken from an ATM counts.
What if I need cash on a weekend or holiday when branches are closed?
Bank of America ATMs operate 24/7, so you can withdraw cash any time. If you hit your daily limit on Friday and need more cash over the weekend, you will have to wait until Saturday at midnight for your limit to reset. If you know you will need extra cash on a weekend, request a temporary limit increase before Friday.
Does my limit change if I have multiple accounts with Bank of America?
Your daily ATM limit is per person, not per account. If you have a checking account and a savings account, your combined daily withdrawals from both accounts cannot exceed $1,000. The limit does not increase just because you have more than one account.
Can I withdraw cash from a Bank of America ATM using someone else's card?
No. ATM withdrawals require the cardholder's debit card and PIN. You cannot withdraw using another person's card, even if they give you permission. If someone needs cash and cannot get to an ATM, they can visit a branch and ask a teller to withdraw it, or they can transfer money to your account and you withdraw it using your own card.