ATM withdrawal limits can vary widely depending on your bank, account type, and even the 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 increase it if needed. This guide compares ATM withdrawal limits across top U.S. banks, explains how banks set those limits, and shares practical tips to raise your limit and avoid unnecessary ATM fees.
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.
How Banks Set ATM Withdrawal Limits
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, and wealth accounts all have different risk profiles.
- Relationship with the bank – long-time or high-balance customers often qualify for higher limits.
- Card type – standard debit 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.
In general, higher-tier accounts and customers with strong account histories are the most likely to see $2,000 or higher daily ATM withdrawal limits.
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.
- Visiting a local branch – speaking with a banker is often the best way to request a permanent limit increase.
- Asking for a one-time boost – many institutions allow 24-hour or short-term increases for large purchases or emergencies.
For detailed steps, see our dedicated guide on how to increase your ATM withdrawal limit.
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.
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 and relationship with the bank.
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 or over-the-counter withdrawal.
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 be sure.
Why do banks limit ATM withdrawals?
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 ATM throughout the day.
How can I check my personal ATM withdrawal limit?
Most banks show your limit inside 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.
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. For more details on specific banks, explore our Bank ATM Guides next.