ATM withdrawal limits can vary widely depending on your bank, account type, and even the specific card you are using. Whether you are planning for a large purchase or just managing everyday cash flow, it is smart to know your daily limit and how to temporarily or permanently increase it. This guide compares common ATM withdrawal limits across top U.S. banks, explains what affects those limits, and shares practical tips to raise your limit and avoid unnecessary ATM fees.
This page helps you:
- Quickly compare typical daily ATM withdrawal limits by bank
- Understand what factors affect your personal ATM limit
- Learn how to request a temporary or permanent increase
- Find ways to access more cash when you hit your limit
- Avoid extra fees while using ATMs and maximizing your limit
Daily ATM Withdrawal Limits by Bank
Below is a comparison of common daily ATM withdrawal limits at major U.S. banks and card providers. Exact limits can vary by account type, debit card, and customer relationship, so always confirm your personal limit in your online or mobile banking app.
| 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 | Navy Federal 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 | Around $1,000 | Yes | Capital One ATM Limits |
| Ally Bank | Around $1,000 | Usually fixed | Ally ATM Limits |
| Cash App | $310 per withdrawal / around $1,000 per day | Limited | Cash App ATM Limits |
These ranges are typical, not guaranteed. Premium, private banking, or business accounts may qualify for higher limits, while student and basic accounts may have lower caps. For bank-specific details, use the links in the table to view our dedicated ATM limit guides.
What Affects Your ATM Withdrawal Limit
ATM limits are not random. Banks and credit unions set daily limits using a mix of security, risk, and customer profile factors, including:
- Account type – student, basic, premium, wealth, and business accounts all have different risk profiles and typical limits.
- Relationship with the bank – long-time or high-balance customers sometimes qualify for higher limits.
- Card type – standard debit cards, ATM-only cards, prepaid cards, and third-party cards can all have different caps.
- Security and fraud controls – lower limits help reduce losses if a card or PIN is stolen or compromised.
- Recent account activity – unusual spending or prior disputes can lead to more conservative limits or temporary restrictions.
In general, higher-tier accounts and customers with strong account histories are the most likely to see daily ATM withdrawal limits around $2,000 or higher.
How to Raise Your ATM Withdrawal Limit
In many cases, you can raise your ATM withdrawal limit, either temporarily or permanently. Common options include:
- Requesting an increase in your app or online banking – some banks, such as Chase and Truist, allow temporary higher limits inside the mobile app or card settings.
- Visiting a local branch – speaking with a banker is often the best way to request a permanent limit increase, especially if you have a strong relationship and stable account history.
- Asking for a one-time boost – many institutions allow 24-hour or short-term increases for large purchases, travel, or emergencies.
- Upgrading your account – premium or relationship accounts may come with higher built-in ATM limits, particularly at larger banks.
For step-by-step instructions, see our dedicated guide on how to increase your ATM withdrawal limit.
Ways to Access More Cash When You Hit Your Limit
If you are close to your ATM limit but still need more cash, there are other ways to access funds without waiting for the next reset window.
- Visit a branch teller – you can often withdraw larger amounts directly at the counter with your ID and debit card.
- Request a cashier check – for large purchases, a cashier check may be safer than carrying thousands of dollars in cash.
- Use cash-back at retailers – many grocery stores and pharmacies offer cash-back on debit purchases, usually with no additional fee from the merchant.
- Transfer to another account – if you have multiple banks, moving money to an account with a higher ATM limit can help in emergencies.
- Use digital payments when possible – paying by debit card, bank transfer, or mobile wallet can reduce how much physical cash you need.
How to Avoid ATM Fees While Using Your Limit
Maximizing your limit does not help if you are paying several dollars in fees every time you withdraw. To keep more of your money, try these strategies:
- Use in-network ATMs – stick with your bank’s network or fee-free partners such as MoneyPass and Allpoint.
- Withdraw larger amounts less often – one $300 withdrawal may carry the same fee as three $100 withdrawals.
- Look for banks that refund ATM fees – some online banks reimburse a set amount of out-of-network fees each month.
- Use cash-back options at retailers – groceries or pharmacies sometimes offer cash back with no extra fee.
- Plan ahead for travel – when traveling, research your bank’s partners and fee-free networks before you go.
Frequently Asked Questions
What bank has the highest ATM withdrawal limit?
Premium accounts at large banks such as Citi, Chase, and Bank of America can offer daily limits in the $2,000 to $3,000 range. Your personal limit depends on your account type, how long you have banked there, and whether you qualify for relationship or private banking programs.
Can I withdraw $5,000 from an ATM?
Usually no. Even the highest-limit accounts tend to cap ATM withdrawals around $3,000 per day. For larger cash needs, you will typically need to visit a branch and request a cashier check, bank check, or over-the-counter withdrawal instead of using an ATM.
Do ATM withdrawal limits reset at midnight?
Many banks reset limits at midnight local time, but some use a rolling 24-hour window that starts with your first ATM transaction. Check your bank’s terms or contact customer service to confirm how your limit resets.
Why do banks limit ATM withdrawals?
ATM withdrawal limits help reduce fraud risk, protect your account if your card or PIN is stolen, and manage the amount of physical cash available at each machine throughout the day. Limits also encourage customers to use safer, trackable payment methods for larger transactions.
How can I check my personal ATM withdrawal limit?
Most banks show your limit in the mobile app or online banking under card settings or account services. You can also call customer support or visit a local branch for confirmation, especially if you are planning a large cash withdrawal.
Final Thoughts
ATM withdrawal limits are an important part of managing your money. Knowing how your bank’s limit works, how it compares to other providers, and how to request a higher limit can save you time, extra trips, and frustration. Use the comparison table above to see how your bank stacks up, follow the steps to request an increase when you need one, and avoid fees by choosing the right ATMs and networks.
For more help, start with our main ATM Near Me guide or explore detailed limits for your bank inside our Bank ATM Guides.
