Ally Bank is one of the most popular online-only banks in the U.S., offering strong digital tools, competitive rates, and a large surcharge-free ATM network. If you rely on cash, it’s important to understand Ally’s daily ATM withdrawal limit and how it compares to other major banks.
What Is the Ally Bank ATM Withdrawal Limit?
Most Ally Bank customers can withdraw up to $1,000 per day at ATMs. This limit applies across the entire ATM network, including Allpoint machines, and includes any cash advances completed using your debit card.
A $1,000 daily limit is higher than what many traditional banks set for basic accounts, but it may still feel restrictive if you frequently need large amounts of cash.
Why Ally Bank Sets a Daily ATM Limit
ATM withdrawal limits help Ally manage customer safety and ATM cash availability. Daily caps are designed to:
- Reduce fraud risk if your debit card or PIN is compromised.
- Prevent ATM cash shortages during high-traffic periods.
- Protect accounts from large unauthorized withdrawals.
These limits apply to both in-network and out-of-network transactions unless a temporary increase is approved.
How to Increase Your Ally ATM Withdrawal Limit
If $1,000 isn’t enough for your cash needs, Ally offers several ways to access more:
- Request a temporary limit increase: Contact Ally customer service via phone or online chat. Many customers are approved for increases when traveling or planning large purchases.
- Split large withdrawals over multiple days: If timing allows, this is the simplest workaround.
- Use teller services at partner banks: Some Allpoint locations or partnered financial institutions may support teller-assisted cash withdrawals.
- Use wire transfers or cashier’s checks: These options are ideal for amounts well above the ATM limit.
Ally Bank ATM Network
Ally customers get free access to more than 43,000 surcharge-free Allpoint ATMs across the United States. If you need to use an out-of-network ATM, Ally reimburses up to $10 per statement cycle for third-party ATM fees.
This combination of broad ATM access and fee reimbursement makes Ally one of the most cost-efficient online banks for cash users.
How Ally Compares to Other Banks
Ally’s $1,000 ATM limit is higher than many basic accounts at large banks, such as:
- Wells Fargo: ~$300–$1,500 depending on account
- PNC: ~$500–$1,000
- Discover: $510
However, some banks offer significantly higher limits for premium tiers:
For a full breakdown across major institutions, visit our guide to the best banks with high ATM withdrawal limits.
Tips for Managing ATM Withdrawals With Ally
- Use Ally’s mobile app to track your balance before withdrawing.
- Choose secure ATMs, especially when taking out near your daily limit.
- Use digital wallets (Apple Pay, Google Pay) to reduce the need for physical cash.
- Request temporary limit increases ahead of travel or events.
Final Thoughts
Ally Bank’s daily ATM withdrawal limit of $1,000 offers more flexibility than many traditional banks. With access to thousands of surcharge-free ATMs and reimbursement for out-of-network fees, Ally is a strong choice for customers who want convenience without extra costs. If you frequently need more than $1,000 in cash, consider requesting a temporary increase or supplementing Ally with a bank that offers higher daily limits.
