Your daily ATM withdrawal limit at Bank of America

Bank of America sets a standard daily ATM withdrawal limit of $500 for most checking and savings accounts. This means you cannot withdraw more than $500 from an ATM in a single calendar day, even if you have more money in your account.

The limit resets at midnight Eastern Time each day. If you withdraw $500 on Monday, your limit refreshes Tuesday morning and you can withdraw another $500. The limit applies across all Bank of America ATMs and partner network ATMs worldwide.

Some accounts have different limits. Money Market accounts, for example, may have a $1,000 daily ATM limit. Premium accounts like Bank of America Preferred Rewards may may have access to for higher limits depending on your tier level. Your specific limit appears in your account agreement or in the Bank of America mobile app under account details.

Key Takeaways

  • The standard Bank of America ATM withdrawal limit is $500 per calendar day for most accounts, resetting at midnight Eastern Time.
  • Some account types, including Money Market and Preferred Rewards tiers, may have higher limits than $500.
  • You can request a temporary increase to your limit by calling Bank of America customer service, though approval is not may provide.
  • If you need cash beyond your daily limit, you can withdraw inside a branch during business hours or use a teller check instead.

How to find your specific withdrawal limit

Your exact limit depends on your account type and your relationship with Bank of America. The fastest way to check is through the mobile app: open it, select your account, tap the menu icon, and look for "Account Details" or "Limits and Features." Your daily ATM limit will be listed there.

You can also call Bank of America customer service at 1-800-432-1000 and ask a representative to confirm your limit. Have your account number ready. If you are at a branch, a teller can also tell you your limit and explain whether you are may be able to access for a higher one based on your account status.

Requesting a temporary limit increase

If you need to withdraw more than your daily limit, you can request a temporary increase. Call Bank of America at 1-800-432-1000 and explain why you need more cash. The bank may approve an increase for a specific day or a short period, though this is not may provide and depends on your account history and the reason you give.

Temporary increases typically take effect within a few hours if approved. The bank may ask you to verify your identity or confirm the withdrawal is legitimate. Once the temporary period ends, your limit returns to the standard amount.

Withdrawing cash without hitting your ATM limit

If you need more than $500 in cash and a temporary increase is not approved, you have other options. Visit a Bank of America branch during business hours and withdraw cash from a teller. Teller withdrawals are not subject to the same daily ATM limit, though the teller may ask why you need a large amount of cash.

Another option is to request a teller check (also called a cashier's check), which the bank issues in your name for any amount. You can then cash it at your bank or deposit it elsewhere. This takes a few minutes and costs nothing for most accounts.

ATM limits at partner banks and networks

Bank of America is part of the Allpoint network and also partners with other banks. When you use an ATM outside the Bank of America network, your withdrawal limit still applies — it is the same $500 (or whatever your account limit is), not a separate limit for partner ATMs.

Some partner ATMs may have their own limits that are lower than yours. For example, a small credit union ATM might only allow $300 withdrawals. In that case, you are limited by whichever is lower: your Bank of America limit or the ATM's limit.

What happens if you try to withdraw more than your limit

If you attempt to withdraw more than your daily limit, the ATM will decline the transaction. The machine will display a message saying the amount exceeds your limit and will not dispense cash. Your account is not charged a fee for a declined withdrawal.

The ATM may offer you the option to withdraw a smaller amount instead. If you choose to do that, the smaller amount will go through and count toward your daily limit. For example, if your limit is $500 and you try to withdraw $600, you can ask the ATM to dispense $500 instead.

International ATM withdrawals and limits

Your $500 daily limit applies to ATM withdrawals anywhere in the world, including at Bank of America ATMs in other countries and at partner ATMs abroad. However, international ATM withdrawals usually come with an additional fee — typically $3 to $5 per transaction — plus any currency conversion charges if you are withdrawing in a foreign currency.

Some Bank of America accounts waive international ATM fees if you have a high balance or premium account status. Check your account agreement or ask a representative whether your account qualifies for fee waivers on international withdrawals.

Frequently Asked Questions

Can I withdraw more than $500 if I go to a Bank of America branch instead of an ATM?

Yes. The $500 limit applies only to ATM withdrawals. At a branch, you can withdraw any amount up to your account balance by speaking with a teller. The teller may ask questions about large withdrawals for compliance reasons, but there is no daily limit for in-branch cash withdrawals.

Does my withdrawal limit reset if I travel to a different time zone?

No. Your limit resets at midnight Eastern Time regardless of where you are. If you are traveling on the West Coast, your limit still resets at 3 a.m. Pacific Time. The reset time does not change based on your location.

If I have multiple Bank of America accounts, do I have a separate $500 limit for each one?

No. Your daily ATM withdrawal limit applies across all your Bank of America accounts combined. If you have a checking account and a savings account, you share the same $500 daily limit between them. A $300 withdrawal from checking counts toward the same limit as a $200 withdrawal from savings.

What if I need cash urgently and cannot wait for a temporary limit increase?

Visit a Bank of America branch and withdraw cash from a teller, or request a teller check. Both can be done when ready during business hours. If it is after hours, you are limited to your ATM withdrawal limit unless you can wait until the branch opens.

Do Bank of America credit cards have ATM withdrawal limits?

Yes, but they work differently. Credit card cash advances have their own limits, which are usually lower than your credit limit and come with higher fees and interest rates. These limits are separate from your debit card or checking account ATM limit. Check your credit card agreement for your specific cash advance limit.