Quick answer: Most Bank of America debit cards have a daily ATM withdrawal limit in the $700–$1,000 range, depending on your account type and relationship tier. Some Preferred Rewards and Private Bank customers may qualify for higher limits by request.
If you use a Bank of America debit card, you may be wondering how much cash you can withdraw at an ATM — and what to do if you need more. Like all major banks, Bank of America (BOA) sets daily ATM withdrawal limits to protect customers, manage cash availability, and reduce fraud risk.
This guide explains typical BOA limits, how to check your personal cap, and the safest ways to increase your withdrawal access when you need more cash.
Need to find a nearby BOA ATM first? Start here: Bank of America ATM Near Me.
Typical Bank of America ATM Withdrawal Limits
Bank of America daily ATM withdrawal limits are usually set per debit card, per day. Most customers fall within a standard range, while premium tiers may have higher caps.
Common daily limit ranges include:
| Account Type | Typical Daily ATM Limit | Notes |
|---|---|---|
| Advantage SafeBalance / Basic Checking | Around $700 | Often the default limit for newer debit cards |
| Advantage Plus / Advantage Relationship | About $1,000 | Higher everyday access for standard customers |
| Preferred Rewards / Private Bank | $1,500+ | Relationship-based or customized limits may apply |
Important: These are typical ranges, not guaranteed limits. Your exact withdrawal cap depends on your account profile, card type, and BOA’s internal security settings.
For a broader comparison across major institutions, see our hub page: ATM Withdrawal Limits by Bank.
Why Bank of America Uses ATM Withdrawal Limits
BOA sets daily withdrawal caps for several important reasons:
- Fraud protection: Limits reduce potential losses if a card or PIN is compromised.
- ATM cash management: Helps machines stay stocked during busy periods.
- Customer safety: Prevents customers from needing to carry very large amounts of cash at once.
If you have a legitimate need for more cash access, Bank of America may approve a temporary or permanent increase depending on your account standing.
What Affects Your Bank of America ATM Limit?
Your personal BOA withdrawal limit is influenced by several factors:
- Account tier: Preferred Rewards and relationship accounts often qualify for higher limits.
- Banking history: Long-term customers with stable balances may be approved more easily.
- Debit card type: Student, business, and premium cards can carry different caps.
- ATM network used: Out-of-network ATMs may impose smaller per-transaction limits.
- Security flags: Fraud alerts, newly issued cards, or unusual activity can temporarily reduce limits.
If your limit seems lower than expected, it may reflect your account tier or security settings rather than a mistake.
How to Check Your Current Bank of America ATM Withdrawal Limit
Before travel or a large cash need, it’s smart to confirm your exact daily limit. Common ways include:
- BOA mobile app: Open card settings and view “ATM & purchase limits.”
- Online banking: Check under debit card controls or account services.
- Customer support: Call the number on the back of your card for confirmation.
- Branch visit: A banker can review your profile and current withdrawal cap.
How to Increase Your Bank of America ATM Withdrawal Limit
If your current BOA limit isn’t enough, here are your best options:
- Request a temporary increase: Often approved for travel, emergencies, or one-time withdrawals.
- Ask about a permanent increase: More common for Advantage Relationship or Preferred Rewards customers.
- Upgrade your account tier: Premium relationships may include higher default limits.
- Use a branch for large withdrawals: Teller withdrawals bypass ATM caps entirely.
For step-by-step guidance that applies across banks, visit: How to Increase Your ATM Withdrawal Limit.
Out-of-Network ATMs: Limits and Fees
Even if BOA allows a higher daily cap, third-party ATMs may still restrict withdrawals per transaction:
- BOA-owned ATMs: Usually allow the full daily withdrawal amount.
- Out-of-network ATMs: Often cap withdrawals at $200–$400 per transaction.
- Surcharges: Third-party machines may charge fees, and BOA may add an out-of-network fee.
- Fee-free strategies: Use our Fee-Free ATMs Near You guide.
Some customers also use nationwide ATM networks like Allpoint or MoneyPass to reduce surcharges.
Ways to Access More Cash Beyond ATMs
- Branch teller withdrawal: No ATM limit applies.
- Cashier’s checks or money orders: Safer for large payments than carrying cash.
- Wire transfers or Zelle®: Send large amounts electronically instead.
- Cash-back at checkout: Many retailers offer up to $200 cash back per debit purchase.
Bank of America ATM Withdrawal Limit FAQs
What is the daily ATM withdrawal limit at Bank of America?
Most BOA customers have a daily withdrawal limit between $700 and $1,000. Premium tiers may qualify for higher caps.
Can I raise my Bank of America ATM withdrawal limit?
Yes. BOA may approve temporary or permanent increases depending on your account type, history, and relationship status.
Do BOA ATM withdrawal limits reset at midnight?
In most cases, limits reset daily, often around midnight. Some accounts may use a rolling 24-hour window, so confirm with support if timing matters.
Do out-of-network ATMs restrict withdrawals?
Yes. Many third-party ATMs impose smaller per-transaction caps even if BOA allows a higher daily total.
Do ATM withdrawal limits affect deposits?
No. Deposit limits and withdrawal limits are separate banking systems with different rules.
