ATM withdrawal limits can vary widely depending on your bank, account type, and even the card you’re using. Whether you’re planning for a large purchase or just managing everyday cash flow, it’s smart to know your daily limit—and how to increase it if needed. This 2025 guide compares ATM withdrawal limits across top U.S. banks, provides strategies for raising your limit, and shares tips to avoid unnecessary ATM fees.
Daily ATM Withdrawal Limits by Bank (2025)
Below is a comparison of common daily withdrawal limits at major U.S. banks and providers. Exact limits may vary by account type, debit card, and customer relationship.
| Bank or Provider | Typical Daily Limit | Can You Increase It? | More Info |
|---|---|---|---|
| Chase | $500–$3,000 | Yes, via app or branch | Chase ATM Limits |
| Bank of America | $1,000–$1,500 | Yes | Bank of America Limits |
| Wells Fargo | $300–$1,500 | Yes | Wells Fargo ATM Limits |
| PNC Bank | $500–$1,500 | Yes | PNC ATM Limits |
| Truist | $500–$1,000 | Yes | Truist ATM Limits |
| Navy Federal Credit Union | $600–$1,000 | Yes | NFCU ATM Limits |
| US Bank | $500–$1,000 | Yes | US Bank ATM Limits |
| Citi | $1,000–$2,000 | Yes | Citi ATM Limits |
| Huntington | $400–$800 | Yes | Huntington ATM Limits |
| Capital One | $1,000 | Yes | Capital One ATM Limits |
| Ally | $1,000 | No, fixed | Ally ATM Limits |
| Cash App | $310 per withdrawal / $1,000 per day | Limited | Cash App ATM Limits |
How Banks Set ATM Withdrawal Limits
ATM limits aren’t random—they’re based on a combination of:
- Account type – student, basic, premium, or wealth accounts all differ.
- Relationship with the bank – long-time or high-balance customers often qualify for higher limits.
- Card type – standard debit vs. prepaid or third-party cards.
- Security settings – banks set limits to reduce fraud and protect customers.
Higher-tier accounts and premium banking relationships are the most likely to offer $2,000+ withdrawal limits.
How to Raise Your ATM Withdrawal Limit
Yes — in most cases, you can increase your withdrawal limit. Options include:
- Request via app or online banking – some banks like Chase and Truist allow temporary requests digitally.
- Visit a local branch – best for permanent or larger increases.
- Temporary increases – many banks allow 24-hour higher limits for emergencies or large purchases.
For more, see our guide: Understanding ATM Withdrawal Limits.
How to Avoid ATM Fees
- Use in-network ATMs – save by sticking with your bank’s network or partners like MoneyPass and AllPoint.
- Withdraw larger amounts less often – one $300 withdrawal may carry the same fee as three $100 withdrawals.
- Consider reloadable or digital cards – prepaid cards like the Walmart MoneyCard can provide flexible ATM access with lower fees.
Frequently Asked Questions (FAQ)
What bank has the highest ATM withdrawal limit?
Premium accounts at banks like Citi, Chase, and Bank of America may offer $2,000–$3,000 daily limits. Your actual limit depends on your account type.
Can I withdraw $5,000 from an ATM?
No. Even the highest-limit accounts usually cap at $3,000. For larger amounts, visit a branch.
Do ATM withdrawal limits reset at midnight?
Most banks reset limits at midnight local time, but some use a 24-hour rolling window from your first transaction. Check with your bank.
Why do banks limit ATM withdrawals?
Limits are in place to reduce fraud risk and protect your funds. They also help banks manage daily cash distribution at machines.
How can I check my personal withdrawal limit?
Log in to your mobile app, check your account settings, or contact customer support for exact details.
Final Thoughts
ATM withdrawal limits aren’t fixed forever—and understanding yours can save you time, hassle, and money. Use the comparison table above to see how your bank stacks up, follow our tips to request higher limits, and avoid fees by using the right networks. Need a specific ATM near you? Explore our Bank ATM Guides to find the closest, most reliable machine today.