ATM withdrawal limits vary widely between banks and even between account types. If you’ve ever wondered why you can’t withdraw more than a certain amount in one day—or how your bank stacks up against others—this guide provides a clear, side-by-side comparison of ATM withdrawal limits at major U.S. banks.
Why Banks Set ATM Withdrawal Limits
Banks impose daily cash limits for several reasons:
- Fraud prevention: Lower limits reduce potential losses if a card is stolen or compromised.
- Cash flow management: Ensures ATMs don’t run out of money too quickly.
- Security considerations: Reduces the risk of carrying large sums at once.
Need more than the daily cap allows? See our Increase ATM Withdrawal Limit Guide for steps to request higher limits.
ATM Withdrawal Limits by Bank (Comparison Table)
The table below shows typical daily ATM withdrawal limits for major U.S. banks. Actual limits may vary by account type, region, or individual customer relationship.
| Bank | Standard Daily Limit | Premium / Business Account Limit | Request Higher Limit? |
|---|---|---|---|
| Chase | $500–$1,000 | $2,000+ | Yes, via app or in-branch |
| Wells Fargo | $300–$1,000 | $2,500+ | Yes, customer service required |
| Bank of America | $700–$1,000 | $2,000+ | Yes, app or in-branch |
| PNC Bank | $500–$1,000 | $2,000+ | Yes, digital request option |
| Capital One | $1,000 | $2,000+ | Yes, call or app request |
| US Bank | $500–$1,000 | $1,500+ | Yes, in-branch or app |
| Navy Federal | $1,000 | $3,000+ | Yes, member services |
How to Increase Your ATM Withdrawal Limit
Most banks allow temporary or permanent limit increases. The process usually involves:
- Submitting a request in your mobile app or online banking portal
- Contacting customer service or visiting a branch for larger requests
- Upgrading to a premium account with higher standard limits
Our ATM Limit Increase Guide provides step-by-step instructions.
Avoiding ATM Fees While Accessing Higher Limits
Higher limits don’t have to mean higher fees. Using in-network ATMs, premium accounts, or banks with reimbursement policies can help you avoid extra costs when withdrawing large amounts.
See our Best No-Fee ATMs Guide for nationwide options.
ATM Withdrawal Limit FAQs
Which bank has the highest ATM withdrawal limit?
Navy Federal and some premium Chase and Wells Fargo accounts offer $2,000–$3,000 daily limits, with temporary increases available on request.
Can I increase my ATM withdrawal limit permanently?
Yes. Most banks allow permanent increases for premium accounts or customers with strong banking relationships.
Do ATM limits apply to in-branch withdrawals?
No. Limits typically apply only to ATM withdrawals. In-branch teller withdrawals often allow access to larger sums.