Updated November 2025 — If you use a Bank of America debit card, you may be wondering how much cash you can withdraw each day and how to raise your limit if needed. Like all major banks, Bank of America (BOA) enforces daily ATM withdrawal limits to reduce fraud risk, manage ATM cash flow, and protect your account. This guide covers typical limits, how to check your current cap, and how to request a higher one when you need more cash.
Tip: Need a nearby ATM first? Start with Bank of America ATM Near Me for the closest BOA locations and surcharge-free network access.
Typical Bank of America ATM Withdrawal Limits by Account Type
Bank of America’s daily ATM withdrawal limits usually range from $700 to $1,000 per card, depending on your account tier and debit card type. Premium and Private Bank clients can qualify for higher customized limits. Below is a typical breakdown for 2025:
| Account Type | Typical Daily Limit | Notes |
|---|---|---|
| Advantage SafeBalance / Basic Checking | $700 | Default starter limit for most new debit cards |
| Advantage Plus / Advantage Relationship | $1,000 | Higher daily cash access for standard and premium accounts |
| Private Bank / Preferred Rewards clients | $1,500+ | Custom or relationship-based limits available |
These limits apply per debit card, per day. If you have multiple cards or accounts, each card typically has its own limit.
Why Bank of America Sets ATM Withdrawal Limits
- Fraud prevention: Caps limit potential losses from stolen or compromised cards.
- ATM cash management: Ensures machines don’t run out of money during high traffic periods.
- Customer safety: Prevents customers from carrying excessive cash.
These limits are automatically applied, but you can often request a temporary or permanent increase through the BOA app, online banking, or in person.
What Affects Your Bank of America ATM Limit
- Account type: Higher-tier or premium accounts have higher limits.
- Banking history: Longstanding customers with strong balances are often eligible for increases.
- Card type: Debit cards tied to premium or business accounts often carry larger caps.
- Network used: Out-of-network ATMs may impose smaller per-transaction maximums.
- Security status: Recent card replacements or fraud flags can temporarily lower limits.
To view your personal limit, open the Bank of America Mobile App → choose your debit card → and look under “Card Settings” or “ATM & purchase limits.”
How to Increase Your Bank of America ATM Withdrawal Limit
Need more than your current limit allows? Here are simple ways to request an increase:
- 1. Check your current limit: Log into your mobile app or online banking to see your current ATM limit.
- 2. Request a temporary increase: BOA may approve a 24–72 hour limit bump for travel, emergencies, or large cash needs.
- 3. Ask for a permanent increase: Advantage Relationship and Private Bank clients can often get higher standard limits on request.
- 4. Visit a branch: For large sums, teller withdrawals bypass ATM caps entirely.
For step-by-step instructions that apply to any bank, see How to Increase Your ATM Withdrawal Limit.
Fees and Out-of-Network ATM Limits
Even if you raise your ATM limit, third-party ATM operators may have lower per-transaction caps and charge surcharges. Here’s what to know:
- Bank of America ATMs: No fee for BOA customers; full daily limit available.
- Out-of-network ATMs: May cap each transaction to $200–$400 and charge surcharges. BOA may also add an out-of-network fee.
- Fee-free alternatives: Look for fee-free ATMs near you to avoid paying twice.
If you frequently withdraw outside the BOA network, consider linking your account to a partner ATM network such as Allpoint or MoneyPass.
Alternatives for Accessing More Cash
- In-branch withdrawal: Teller transactions are not limited by ATM caps.
- Cashier’s checks or money orders: Safer than carrying large sums of cash.
- Wire transfers or Zelle®: Use electronic methods for big payments or transfers.
- Cash-back at checkout: Retail stores and grocery chains often offer up to $200 in cash back with a debit purchase.
Bank of America ATM Withdrawal Limit FAQs
What is the daily ATM withdrawal limit at Bank of America?
Most accounts allow between $700 and $1,000 per day. Premium or Private Bank clients may have higher limits based on their relationship tier.
Can I raise my Bank of America ATM withdrawal limit?
Yes. You can request temporary or permanent increases through the mobile app, by phone, or in-branch depending on your account type and balance history.
Does the limit reset at midnight?
Typically, yes. Most BOA ATM limits reset at midnight local time, though some systems may use Eastern Time. Confirm with customer service if timing matters.
Do out-of-network ATMs have lower limits?
Yes. Independent ATM operators often have smaller per-transaction limits, even if your daily BOA limit is higher. You can make multiple withdrawals or use a Bank of America ATM to access your full limit.
Does my ATM withdrawal limit affect deposits?
No. Deposits, balance inquiries, and transfers are separate and do not count toward your withdrawal limit.
Related Guides
- ATM Withdrawal Limits by Bank
- How to Increase Your ATM Withdrawal Limit
- Fee-Free ATMs Near You
- Bank of America ATM Near Me
Bookmark this page as your go-to reference for Bank of America ATM withdrawal limits, and use our related guides to plan safe, fee-free cash access anywhere in 2025.