If you have a Bank of America debit card, you might be wondering what your ATM withdrawal limit is and how to raise it if needed. Like all banks, Bank of America sets daily cash limits for security and account management. Here’s everything you need to know about Bank of America’s ATM withdrawal limits and how to request a higher limit.
Standard Bank of America ATM Withdrawal Limits
Bank of America’s daily ATM withdrawal limits typically range from $700 to $1,000 per day, but this can vary based on your account type and banking relationship. Here’s a general breakdown:
- Basic Checking Accounts: Around $700 per day
- Bank of America Advantage Plus / Advantage Relationship: $1,000 or higher per day
- Private Bank Clients: May have limits above $1,000, often customized
Remember, these limits apply per card, per day. If you hold multiple debit cards or accounts, each card typically has its own limit.
Factors That Affect Your Bank of America ATM Limit
- Account type: Premium and business accounts usually have higher limits.
- Banking history: Long-term customers with strong balances may qualify for more.
- Card type: Debit cards vs. ATM-only cards may have different caps.
- Network limits: Out-of-network ATMs can have their own per-transaction maximums.
How to Increase Your Bank of America ATM Withdrawal Limit
If your current limit isn’t enough, here are ways to request a higher ATM withdrawal cap:
- Check your current limit. Use the Bank of America mobile app, online banking, or call the number on the back of your debit card.
- Request a temporary limit increase. For vacations, emergencies, or large purchases, the bank may approve a 24–72 hour increase.
- Ask about permanent increases. Some accounts, especially premium tiers, allow for permanent limit raises upon request.
- Withdraw in-branch. For large amounts, visiting a branch teller bypasses ATM limits entirely.
Alternatives for Accessing More Cash
- Get cash back at retail stores when making purchases with your debit card.
- Use multiple accounts or cards if you have them.
- Request a cashier’s check or wire transfer for larger payments.
- Plan your withdrawals at ATMs with flexible bill options.
Bank of America ATM Withdrawal Limit FAQs
What is the daily ATM withdrawal limit at Bank of America?
Most basic accounts start at $700 per day, while premium or private clients may get higher limits.
Can I raise my Bank of America ATM withdrawal limit?
Yes, you can request a temporary or permanent limit increase via the mobile app, by calling customer service, or by visiting a branch.
Does the limit reset at midnight?
Yes, most Bank of America ATM limits reset at midnight local time, but some systems use Eastern Time.
Do out-of-network ATMs have lower limits?
Yes, third-party ATMs can impose lower per-transaction limits even if your daily limit is higher.