One of the most common questions people ask is: which bank has the highest ATM withdrawal limit? Daily limits vary widely across banks, and choosing the right institution can make a big difference if you frequently need access to large amounts of cash. This 2025 comparison guide breaks down how banks set limits, which ones are the most generous, and what you can do if your limit is too low.
Why ATM Withdrawal Limits Matter
ATM withdrawal limits are set by banks to balance customer convenience with fraud prevention and network stability. While the average daily cash limit is between $300 and $1,000, some banks and credit unions allow much higher limits depending on your account type and history.
For a full breakdown of standard bank policies, see our guide to ATM withdrawal limits by bank.
Banks With the Highest ATM Withdrawal Limits
Here are some of the institutions known for offering higher-than-average limits. Keep in mind that actual limits may vary by account type, branch relationship, and your specific card network.
- Chase Private Client: Up to $3,000 per day for premium clients.
- Citibank Priority and Gold Accounts: Often $2,000–$2,500 daily withdrawal limits.
- PNC and Fifth Third Premium Accounts: Around $2,000 depending on account level.
- Navy Federal Credit Union: Can go as high as $3,000 depending on membership tier.
- Wealth and Business Accounts: Some banks customize daily limits for clients with significant balances or business needs.
Factors That Influence Your Limit
- Account type: Premium, student, and business accounts have very different caps.
- Bank policies: Each institution sets its own maximums.
- Customer history: Long-standing accounts in good standing are often granted higher limits.
- Network restrictions: Some ATMs themselves impose machine-level caps, even if your bank allows more.
How to Get a Higher Limit
If your current bank’s limit isn’t enough, you have options:
- Request an increase: Many banks allow you to temporarily or permanently raise your daily cap. See our guide on how to increase your ATM withdrawal limit.
- Upgrade your account: Premium or business accounts usually come with higher default limits.
- Switch banks: If frequent high withdrawals are important, choose a bank with generous caps like Chase, Citi, or Navy Federal.
- Use multiple cards: Splitting withdrawals across more than one account can double or triple your access.
ATM Limits vs. Branch Withdrawals
Remember that ATM limits only apply to self-service machines. If you need access to large amounts of cash, you can always visit a branch teller with ID. Banks can often release $5,000–$10,000 or more in a single transaction when requested in advance.
FAQs
Which U.S. bank offers the absolute highest ATM withdrawal limit?
Chase and Navy Federal are among the leaders, offering limits up to $3,000 for certain clients.
Are ATM limits higher for business accounts?
Yes. Many banks automatically assign higher daily caps for business debit cards, sometimes exceeding $5,000.
Can I raise my ATM limit instantly?
Some banks allow same-day increases if you call during business hours, while others may require a 1–2 day processing window.
Do international ATMs have the same limits?
No. Even if your bank approves a higher limit, foreign ATMs may restrict withdrawals to lower amounts. Fees may also apply.