Your daily ATM withdrawal limit 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 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 $800 on Monday, you can withdraw another $1,000 on Tuesday. The limit applies to all ATMs — whether you use a Bank of America machine, an ATM in another bank's network, or an out-of-network ATM.

This limit exists for security reasons. It protects your account if your debit card is stolen or compromised, because a thief cannot drain your account in a single day through ATM withdrawals alone. It also protects Bank of America by reducing the amount of cash that needs to be transported to and from ATMs.

Key Takeaways

  • The standard daily ATM withdrawal limit is $1,000 per calendar day, resetting at midnight Eastern Time.
  • The limit applies to all ATMs you use, not just Bank of America machines, and cannot be exceeded even if your account has more money.
  • You can request a temporary or permanent increase to your limit by calling Bank of America or visiting a branch in person.
  • If you need more than $1,000 in cash, you can withdraw the rest inside a Bank of America branch during business hours without hitting the ATM limit.
  • Some account types, like certain business accounts, may have different limits — contact your branch to confirm your specific limit.

Why Bank of America sets a daily limit

The $1,000 daily limit is a security measure designed to protect you. If someone steals your debit card or learns your PIN, they cannot withdraw your entire account balance in one day through ATMs. This gives you time to notice the theft and contact the bank before larger amounts disappear.

The limit also protects the bank's operations. ATMs have physical cash limits, and the bank needs to manage how much cash flows through the network each day. Without limits, a single customer could empty an ATM, forcing the bank to refill it more often and increasing operational costs.

How to request a higher ATM withdrawal limit

If $1,000 per day is not enough for your needs, you can request an increase. Call Bank of America at the number on the back of your debit card and ask to speak with someone about raising your ATM withdrawal limit. You can also visit a Bank of America branch in person and ask a representative to adjust it.

The bank may increase your limit temporarily or permanently, depending on your account history and the reason for the request. If you have been a customer for a long time with no overdrafts or fraud, the bank is more likely to grant an increase. There is no may provide, and the bank may deny the request or offer a smaller increase than you asked for.

If the bank increases your limit, the new limit takes effect when ready or within one business day. Ask the representative when the change will show up in your account so you know when you can withdraw the higher amount.

Withdrawing more than $1,000 in a single day

If you need more than $1,000 in cash and cannot wait for the next day, go inside a Bank of America branch during business hours. You can withdraw any amount up to your account balance at the teller window, and this does not count against your ATM limit. The teller can give you cash when ready without the $1,000 cap.

You will need to bring a valid photo ID, such as a driver's license or passport. If you are withdrawing a very large amount — typically $10,000 or more — the bank may ask you questions about why you need the cash. This is a federal requirement, not a Bank of America policy, and the bank must file a report with the government. This does not mean you are suspected of anything; it is a standard procedure for large cash transactions.

ATM limits on different account types

The $1,000 daily limit applies to most Bank of America personal checking and savings accounts. However, some account types have different limits. Business accounts, premium accounts, and accounts held by customers with very high balances may have higher limits.

If you have a Bank of America Preferred Rewards account or another premium tier, your limit may be higher than $1,000. The best way to find out your specific limit is to log into your online account, call the number on the back of your card, or ask at a branch. Your limit will be listed in your account settings or the representative can tell you when ready.

What happens if you try to withdraw more than your limit

If you try to withdraw more than $1,000 at an ATM, the machine will decline the transaction. The ATM will not let you split the withdrawal into two separate transactions on the same day — it recognizes that both withdrawals are part of your daily limit.

You will not be charged a fee for attempting to withdraw more than your limit. The transaction straightforward will not go through. If this happens, you can try again the next day after midnight, or you can go to a branch and withdraw the amount you need from a teller.

Frequently Asked Questions

Can I withdraw $1,000 from multiple ATMs on the same day?

No. The $1,000 limit is a daily total across all ATMs, not per machine. If you withdraw $500 from one ATM, you can only withdraw $500 more from any other ATM that same day. The limit resets at midnight Eastern Time.

Does the ATM limit explore to transfers or online withdrawals?

No. The $1,000 limit applies only to cash withdrawals at ATMs. You can transfer money to another account, pay bills online, or use your debit card to make purchases without hitting this limit. The limit is specifically about physical cash from ATMs.

What if I need cash while traveling outside the United States?

The $1,000 daily limit still applies to ATM withdrawals outside the United States. If you are traveling and need more cash, visit a bank branch in that country and withdraw from a teller, or request a temporary increase to your limit before you leave. Some customers request a temporary higher limit for the duration of their trip.

Can the bank lower my ATM withdrawal limit?

Bank of America can lower your limit if your account shows signs of fraud or unusual activity. The bank may also lower your limit if you have multiple overdrafts or other account problems. If your limit is lowered, the bank should notify you, but you can call to ask why and request that it be restored.

Is the $1,000 limit the same at all banks?

No. Different banks set different daily ATM limits. Some banks have limits of $500, others $1,000, and some have higher limits for premium customers. If you use multiple banks, check with each one about their specific limit.