If you use a Bank of America debit card, you may be wondering how much cash you can withdraw at an ATM and how to raise your limit when 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. This guide explains typical limits, how to check your personal cap, and the steps to request a higher limit.
Tip: Need to find a BOA ATM first? Visit Bank of America ATM Near Me for nearby fee-free locations.
Typical Bank of America ATM Withdrawal Limits
Bank of America’s daily ATM withdrawal limits generally range from $700 to $1,000 per card, depending on your account type. Premium and Private Bank clients may qualify for higher limits on request.
| Account Type | Typical Daily Limit | Notes |
|---|---|---|
| Advantage SafeBalance / Basic Checking | $700 | Default limit for most new debit cards |
| Advantage Plus / Advantage Relationship | $1,000 | Higher cash access for standard and premium customers |
| Private Bank / Preferred Rewards | $1,500+ | Relationship-based or custom limits available |
Limits apply per debit card. If you have multiple cards (for different accounts), each usually has its own daily maximum.
Why Bank of America Uses ATM Withdrawal Limits
- Fraud protection: Limits reduce losses if a card is stolen or compromised.
- Cash availability: Helps prevent ATMs from running out of money during busy periods.
- Customer safety: Discourages carrying large amounts of cash at once.
What Affects Your Bank of America ATM Limit
- Account tier: Higher-tier accounts qualify for higher limits.
- Banking history: Long-standing customers with stable balances often get approved for increases.
- Debit card type: Premium, student, and business accounts have different caps.
- ATM network used: Out-of-network ATMs may impose stricter per-transaction limits.
- Security concerns: Fraud alerts or newly issued cards can temporarily reduce limits.
To check your personal limit: open the Bank of America Mobile App → select your debit card → view “ATM & purchase limits.”
How to Increase Your Bank of America ATM Withdrawal Limit
If your current limit isn’t enough, BOA offers several ways to request more access:
- Check your current limit in the mobile app under card settings.
- Request a temporary increase—often granted for travel, emergencies, or one-time cash needs.
- Ask for a permanent increase—available for Advantage Relationship and Private Bank customers.
- Visit a branch if you need a large sum; teller withdrawals bypass ATM limits entirely.
For step-by-step guidance that works for any bank, see How to Increase Your ATM Withdrawal Limit.
Out-of-Network ATMs: Limits and Fees
Even if BOA raises your limit, using non-BOA ATMs may still restrict withdrawals. Here’s what to expect:
- BOA ATMs: Full withdrawal limit available with no fees for BOA customers.
- Out-of-network ATMs: Many cap withdrawals at $200–$400 per transaction and may charge surcharges.
- BOA’s out-of-network fee: BOA may also charge a separate fee for using non-BOA machines.
- Fee-free alternatives: See Fee-Free ATMs Near You for surcharge-free access.
Some BOA customers use Allpoint or MoneyPass networks to reduce fees.
Ways to Access More Cash Beyond ATMs
- Branch teller withdrawal: No ATM limit applies.
- Cashier’s checks or money orders: Useful for large payments without carrying cash.
- Wire transfers or Zelle®: Send large amounts electronically.
- Cash-back at checkout: Many stores offer up to $200 in cash per debit purchase.
Bank of America ATM Withdrawal Limit FAQs
What is the daily ATM withdrawal limit at Bank of America?
Most accounts allow $700–$1,000 daily. Premium and Private Bank clients may have higher limits.
Can I raise my limit?
Yes. BOA allows temporary and permanent limit increases depending on your account and history.
Do ATM limits reset at midnight?
Generally yes, though timing may vary by region. Contact BOA if exact reset time matters.
Do out-of-network ATMs restrict withdrawals?
Yes. Many limit withdrawals to smaller per-transaction amounts, even if BOA allows more.
Does the ATM withdrawal limit affect deposits?
No. Withdrawals and deposits are separate systems with different rules.
