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 withdraw more than $1,000 in a single day using an ATM, even if you have more money in your account. The limit resets at midnight Eastern Time each day.

This limit applies whether you use a Bank of America ATM or an ATM owned by another bank. If you try to withdraw more than $1,000 in one day, the ATM will decline the transaction. The $1,000 limit is separate from any limits your specific account type might have — some accounts have lower limits, and a few have higher ones.

The limit exists partly as a security measure. Large cash withdrawals trigger fraud monitoring systems, and the daily cap reduces the damage if someone gains unauthorized access to your card. It also reflects the physical reality that ATMs do not always stock enough cash for very large withdrawals.

Key Takeaways

  • Bank of America ATMs have a standard $1,000 daily withdrawal limit for most accounts, resetting at midnight Eastern Time.
  • The limit applies to all ATMs — Bank of America machines and other banks' machines — and you cannot exceed it by making multiple withdrawals.
  • Some account types have lower limits, and you can request a temporary increase by calling Bank of America before you need the cash.
  • If you need more than $1,000 in cash, you can withdraw inside a branch during business hours without hitting the ATM limit.
  • Withdrawals over $10,000 in a single day trigger federal reporting requirements, though this does not prevent the withdrawal.

Account types with different withdrawal limits

Not all Bank of America accounts have the same $1,000 limit. Student checking accounts, for example, often come with a $500 daily ATM limit. Some savings accounts also cap ATM withdrawals at $500 per day. Money Market accounts may have different limits depending on the specific product.

p>Your account agreement or the Bank of America website shows your specific limit. You can also call Bank of America customer service at 1-800-432-1000 or log into your online account to check. The limit appears in your account details or in the terms section.

If you have a Bank of America credit card, that is separate from your ATM limit. Credit card cash advances have their own limits, which are usually lower than your ATM withdrawal limit and come with fees and higher interest rates.

Requesting a temporary increase to your limit

You can ask Bank of America to raise your daily ATM withdrawal limit temporarily if you know you will need more cash. Call customer service at 1-800-432-1000 and explain that you need a higher limit for a specific date or period. Bank of America may grant a temporary increase of several hundred to a few thousand dollars, depending on your account history and the reason.

The bank usually processes these requests the same day if you call during business hours. You will need to provide the date you need the higher limit and approximately how much you plan to withdraw. Having a legitimate reason — travel, a large purchase, a family event — makes approval more likely.

A temporary increase typically lasts for a set number of days, after which your limit reverts to the standard amount. This is not a permanent change to your account, so you will need to request an increase again if you need more cash in the future.

Withdrawing cash at a Bank of America branch instead

If you need more than your daily ATM limit allows, you can withdraw cash inside a Bank of America branch during business hours. Branch withdrawals do not count against your ATM limit — they are a separate transaction type. You can withdraw as much as you need as long as the branch has the cash on hand and you have the funds in your account.

Bring your debit card and a photo ID. Tell the teller how much cash you need. For very large amounts — typically over $5,000 — the branch may ask you to call ahead so they can make sure they have enough cash in the vault. Branches are usually open Monday through Friday from 9 a.m. to 5 p.m., with Saturday hours at some locations.

This is the fastest way to get a large amount of cash without waiting for a temporary limit increase. It also gives you a receipt and a record of the withdrawal, which can be useful for your records.

Federal reporting for large cash withdrawals

If you withdraw $10,000 or more in cash within a single day, Bank of America is required by federal law to file a Currency Transaction Report (CTR) with the U.S. Treasury. This is routine and does not mean you have done anything wrong — the bank files these reports for all large cash withdrawals, deposits, and transfers.

The report includes your name, account number, and the amount withdrawn, but it is not shared with law enforcement unless there is a separate investigation. The bank cannot refuse to let you withdraw the money because of the reporting requirement. You do not need to do anything — the bank handles the filing automatically.

If you withdraw just under $10,000 repeatedly to avoid triggering the report, that pattern itself can trigger a different kind of report called a Suspicious Activity Report (SAR). Banks are trained to watch for this behavior. If you have a legitimate reason for large cash withdrawals, there is no problem withdrawing the full amount you need.

What to do if an ATM declines your withdrawal

If an ATM declines your withdrawal, the most common reason is that you have hit your daily limit. The machine will display a message saying the withdrawal cannot be processed. Check how much you have already withdrawn that day — remember that the limit resets at midnight Eastern Time, not at your local time zone.

If it is early in the day and you have not withdrawn anything yet, the decline could mean the ATM is out of cash, your card is blocked, or there is a temporary problem with the network. Try a different ATM, preferably at a Bank of America branch. If the problem persists, call customer service at 1-800-432-1000 to check whether your card is blocked or your account has a hold.

If you need cash urgently and cannot wait until tomorrow, go to a Bank of America branch and withdraw inside. Branches can process large withdrawals immediately and do not have the same daily limits as ATMs.

Frequently Asked Questions

Can I withdraw $1,000 twice in one day at different ATMs?

No. The $1,000 daily limit applies to all withdrawals combined in a single day, regardless of which ATM you use or how many times you try. If you withdraw $600 at one ATM, you can only withdraw $400 more that day at any other ATM before hitting the limit.

Does the daily limit reset at midnight in my time zone or Bank of America's time zone?

The limit resets at midnight Eastern Time, not your local time zone. If you live on the West Coast, your limit resets at 9 p.m. Pacific Time. This matters if you are traveling or if you live far from the Eastern Time Zone.

What happens if I try to withdraw more than my limit?

The ATM will decline the transaction and display an error message. Your card will not be charged a fee, and the money will not be deducted from your account. You can try again the next day after the limit resets, or you can go to a branch to withdraw a larger amount.

Can Bank of America permanently raise my ATM withdrawal limit?

Bank of America does not typically offer permanent increases to ATM limits for standard accounts. You can request a temporary increase when you need it, or you can withdraw larger amounts at a branch. If you have a premium account or significant assets with the bank, your limit may be higher by default.

Do transfers and bill payments count toward my ATM withdrawal limit?

No. The $1,000 daily limit applies only to cash withdrawals at ATMs. Transfers between your accounts, bill payments, debit card purchases, and other transactions do not count against this limit.