Ally Bank is one of the most popular online-only banks in the U.S., known for its user-friendly digital experience and competitive rates. But if you rely on ATMs for cash, it’s important to understand Ally’s daily withdrawal limits and how they compare to other banks.
What Is the Ally Bank ATM Withdrawal Limit?
Ally Bank customers can typically withdraw up to $1,000 per day from ATMs. This limit applies across Ally’s partner network and includes both withdrawals and cash advances. While $1,000 is higher than many traditional banks, it may still feel restrictive if you need larger amounts.
Why Does Ally Bank Have an ATM Limit?
Like most banks, Ally sets ATM withdrawal limits for two reasons: to prevent fraud and to manage daily cash distribution. Limits protect you in case your debit card is lost or stolen, and they help ATMs avoid running out of cash too quickly.
How to Increase Your Ally Bank ATM Withdrawal Limit
- Request a temporary increase – Contact Ally Bank customer service through online chat or phone. Many customers are approved for a higher daily limit when traveling or making large purchases.
- Use multiple withdrawals – If you don’t need all the cash at once, you can withdraw over two days to reach your target amount.
- Visit a partner bank – Ally partners with the Allpoint ATM network, and in some cases you may be able to access larger sums through teller-assisted withdrawals at partner institutions.
- Plan for large expenses – For amounts over $1,000, consider requesting a wire transfer or cashier’s check, which have higher limits than ATM withdrawals.
Ally Bank ATM Network
Ally customers get free access to over 43,000 surcharge-free Allpoint ATMs across the United States. If you use an out-of-network ATM, Ally reimburses up to $10 per statement cycle for third-party fees, which helps reduce costs if you need more frequent withdrawals.
How Ally Compares to Other Banks
Ally’s $1,000 daily ATM limit is higher than many traditional banks like Wells Fargo or PNC, which often cap withdrawals at $300–$500 for basic accounts. However, some institutions like Chase and Citibank allow up to $2,000 or more for premium customers. If you regularly need more than $1,000 in cash, you may want to explore these options.
For a full comparison, check out our guide to the best banks with high ATM withdrawal limits.
Tips for Managing ATM Withdrawals With Ally
- Use Ally’s mobile app to monitor your balance before making large withdrawals.
- Withdraw during the day at secure, well-lit ATMs if you’re taking out close to your limit.
- Consider mobile payments like Apple Pay or Google Pay for purchases instead of withdrawing cash.
- Keep Ally’s customer service contact handy in case you need a temporary limit increase while traveling.
Final Thoughts
Ally Bank’s daily ATM withdrawal limit of $1,000 is above average and works well for most everyday situations. With access to thousands of surcharge-free ATMs and reimbursements for out-of-network fees, Ally makes it easy to manage your money on the go. If you expect to need more than $1,000 in cash frequently, explore temporary increases or check out banks with higher daily limits.