Best Banks with High ATM Withdrawal Limits (2025 Guide)
When you need cash, the last thing you want is to hit a low ATM withdrawal limit. Whether you’re traveling, running a cash-based business, or simply prefer paying in cash, the right bank can save you time and stress by allowing larger withdrawals. The average daily ATM withdrawal limit in the U.S. is between $300 and $1,000, but some banks and credit unions go well beyond that — offering customers access to $2,000, $3,000, or more in a single day.
In this comprehensive 2025 guide, we’ll compare ATM withdrawal limits across major U.S. banks, highlight which institutions are the most generous, explain how to increase your daily limit, and answer the most common questions customers ask. If you want fast, reliable access to your money, this is the page to bookmark.
Why ATM Withdrawal Limits Matter
ATM withdrawal limits exist for two key reasons: fraud prevention and cash management. If your card is ever stolen, a limit keeps criminals from draining your account in one go. From the bank’s perspective, ATMs only hold a finite amount of cash, and limits prevent a few customers from emptying machines.
Still, these limits can be frustrating if you’re traveling, moving funds for a business, or covering emergencies. That’s why many customers look for banks that offer higher caps — or accounts that can be customized. Some banks even allow temporary increases upon request, while others reserve higher limits for premium or relationship customers.
Banks generally base limits on:
- Account type (basic vs. premium tiers)
- Daily maximum vs. per-transaction maximums
- In-network vs. out-of-network ATMs
- Customer history and loyalty programs
If your current bank feels restrictive, you can review our guide to increasing ATM withdrawal limits for tips on requesting higher caps.
ATM Withdrawal Limits at a Glance
| Bank | Typical Daily Limit | Premium / Notes |
|---|---|---|
| Chase | $500–$3,000 | Private Client may exceed $3,000 |
| Bank of America | $700–$1,500 | Preferred Rewards members may qualify for more |
| Wells Fargo | $300–$1,500 | Premium checking allows higher caps |
| Citibank | $1,000–$2,000 | Premium tiers can go higher |
| Capital One | $500–$1,000 | 70,000+ surcharge-free ATMs |
| Ally Bank | $1,000 | AllPoint network, temporary increases available |
| US Bank | $500–$1,000 | Platinum Checking customers may exceed $1,500 |
| Navy Federal Credit Union | $1,000 | Premium members may qualify for $2,000+ |
| TD Bank | $1,250 | Among the highest standard limits |
| Truist | $500–$1,000 | Varies by account tier |
| Fifth Third | $810 | Odd cap; higher than many regionals |
| Regions Bank | $808 | Temporary increases available |
| Huntington Bank | $520 debit / $400 ATM-only | Temporary increases by request |
| Discover Bank | $510 | 60,000+ fee-free ATMs nationwide |
Winners at a glance: Chase, Citibank, and TD Bank lead the pack for high standard withdrawal limits, while Navy Federal Credit Union is a strong option for military families. Ally Bank offers a solid $1,000 daily cap for an online-only option, and Discover is competitive despite being primarily a credit card company.
Top Banks with High ATM Withdrawal Limits
Below, we break down the daily limits, premium account features, and ATM networks of the top U.S. banks and credit unions.
Chase Bank
Chase sets standard ATM withdrawal limits of $500–$1,000 per day. Customers with Sapphire Banking or Private Client accounts can access up to $3,000 daily, and temporary increases are often approved for travel or emergencies. Chase’s nationwide network of thousands of ATMs ensures convenient, fee-free access for account holders.
Learn more in our Chase ATM withdrawal guide.
Wells Fargo
Wells Fargo offers limits between $300 and $1,500 per day, depending on the account. Entry-level accounts sit on the lower end, while premium tiers allow higher caps. Relationship customers with larger balances often report more flexibility. Temporary increases are available by request, making Wells Fargo reliable but slightly less generous than Citi or Chase.
See our Wells Fargo withdrawal guide.
Bank of America
Bank of America’s typical withdrawal cap ranges from $700 to $1,500 per day. Customers in the Preferred Rewards program (Gold, Platinum, or Platinum Honors) often qualify for higher amounts. With a vast nationwide network, BofA makes it easy to access funds, though its top-end limits are more modest than Chase or Citi.
See our Bank of America withdrawal limits guide.
Citibank
Citibank stands out for higher caps, with standard accounts typically allowing $1,000 daily and premium tiers like CitiGold and Private Client reaching $2,000+. Citibank’s global presence also makes it a strong option for frequent travelers. Customers with long-standing relationships or premium balances often enjoy the most flexible access.
Explore the Citibank withdrawal limit guide.
Capital One
Capital One customers usually see daily withdrawal limits between $500 and $1,000. While its caps aren’t the highest, its 70,000+ fee-free ATMs through AllPoint and MoneyPass provide unmatched access. Premium accounts like 360 Checking may qualify for higher caps, and temporary increases are available upon request.
See our Capital One withdrawal guide.
Ally Bank
Ally Bank, an online-only institution, offers a typical ATM withdrawal cap of $1,000 daily. Customers have access to the AllPoint network of thousands of machines nationwide and can request temporary increases if needed. Ally also reimburses limited out-of-network fees, making it convenient for travelers.
See our Ally withdrawal guide.
US Bank
US Bank generally sets limits between $500 and $1,000, though Platinum Checking customers often qualify for higher daily caps, sometimes above $1,500. With thousands of ATMs across the Midwest and West, it offers regional strength, and temporary increases can be requested for special needs.
Learn more in our US Bank withdrawal guide.
Navy Federal Credit Union
Navy Federal Credit Union members typically see daily withdrawal limits of $1,000. Premium account holders and long-standing members may qualify for $2,000+. With access to tens of thousands of fee-free ATMs, NFCU is one of the strongest choices for military families and veterans.
Check our Navy Federal withdrawal guide.
TD Bank
TD Bank customers can withdraw up to $1,250 per day, which is among the highest standard limits in the industry. While its branch and ATM footprint is more regional, concentrated along the East Coast, TD’s higher caps make it particularly customer-friendly for those who need more frequent cash access.
See our TD Bank withdrawal guide.
Truist
Truist sets daily ATM withdrawal limits between $500 and $1,000. While not as high as national leaders, Truist provides temporary increases on request and serves customers across the Southeast with thousands of branches and ATMs. Premium account upgrades can also unlock more flexibility.
See our Truist withdrawal guide.
Fifth Third Bank
Fifth Third sets an unusual cap of $810 per day, slightly higher than most regional banks but lower than large national competitors. Customers needing larger sums can often request increases or withdraw directly at branches. Fifth Third’s strength lies in its Midwest network and customer service flexibility.
Learn more in our Fifth Third withdrawal guide.
Regions Bank
Regions Bank generally sets its ATM withdrawal cap at $808 per day. While unusual, this is slightly higher than many competitors in the South and Midwest. Customers with premium accounts or established relationships may qualify for increases beyond this baseline.
See our Regions withdrawal guide.
Huntington Bank
Huntington Bank sets withdrawal limits at $520 for debit cards and $400 for ATM-only cards. While these are lower than national averages, temporary increases can be requested for travel, emergencies, or special needs. Huntington is strong regionally across the Midwest but less competitive for high daily caps.
See our Huntington withdrawal guide.
Discover Bank
Discover Bank customers usually have a daily ATM withdrawal limit of about $510. While modest, Discover accounts include access to tens of thousands of fee-free ATMs via the AllPoint and MoneyPass networks. Customers needing more can sometimes request short-term increases, making Discover solid for those who prioritize fee-free access over high caps.
Read our Discover withdrawal guide.
Tips for Accessing Higher Withdrawal Limits
If your current ATM withdrawal limit feels restrictive, here are strategies to get more access to your cash:
- Request a temporary increase: Call your bank and explain your need (travel, emergencies, big purchases).
- Upgrade to a premium account: Higher-tier accounts almost always include higher ATM limits.
- Use in-network ATMs: Banks often set higher caps for their own machines compared to out-of-network ones.
- Make multiple withdrawals: Some accounts allow splitting across days or machines.
- Visit a branch: Tellers can give you more cash than any ATM cap allows.
Frequently Asked Questions (FAQ)
Which bank has the highest ATM withdrawal limit in 2025?
Chase, Citibank, and TD Bank lead with daily limits of $2,000–$3,000 for premium customers. Navy Federal Credit Union is also highly competitive for military members.
Can I withdraw more than $3,000 from an ATM?
It’s rare, but possible with premium accounts or temporary requests. Most banks cap at $3,000 for ATMs. For larger amounts, plan a teller withdrawal inside a branch.
Do credit unions offer higher limits than banks?
Many credit unions (e.g., Navy Federal) can be more flexible, especially for loyal members. $1,000–$2,000 daily is common, but policies vary by institution.
Do online banks have higher limits?
Often they sit in the mid range. For example, Ally’s typical daily limit is around $1,000. The main advantage of online banks is wide, fee-free ATM networks rather than the absolute highest caps.
How do I request a higher ATM limit?
Contact customer service or visit a branch and ask for a temporary or permanent increase. Banks are more likely to approve requests tied to travel, emergencies, or verified large purchases — and for customers with premium or relationship accounts.
Do foreign ATMs have different withdrawal limits?
Yes. Even if your bank allows $1,500 daily, a foreign ATM may limit you to $200–$500 per transaction. Check your bank’s travel guidance and consider multiple withdrawals or a branch visit abroad if available.
What’s the difference between per-transaction and daily limits?
Per-transaction limits cap how much you can take out in one go (e.g., $400), while daily limits cap the total you can withdraw in a 24-hour period (e.g., $1,000). If the machine says you’ve hit a per-transaction cap, try a second withdrawal until you reach your daily maximum.
Final Thoughts
ATM withdrawal limits vary widely across banks and account types. If you frequently need cash, consider institutions like Chase, Citibank, or TD Bank for higher caps, or Navy Federal Credit Union if you qualify for membership. Online banks like Ally and Discover offer strong convenience, even if their caps are lower.
To maximize your ATM experience, also check out our guides on avoiding ATM fees and finding ATMs that dispense $5 bills or $10 bills. With the right bank and account setup, you can avoid limits that get in the way of your financial flexibility.