Truist Bank, created from the merger of BB&T and SunTrust, is one of the largest financial institutions in the country. With thousands of branches and ATMs across the Southeast and Mid-Atlantic, Truist customers rely heavily on ATM access. Understanding your daily ATM withdrawal limit helps you plan ahead and avoid unexpected restrictions when you need cash.
What Is the Truist ATM Withdrawal Limit?
Most Truist customers have a daily ATM withdrawal limit between $500 and $1,000. Standard checking accounts typically fall around the $500 level, while premium, business, and relationship accounts may qualify for higher limits.
This places Truist in a similar range to banks like PNC and Wells Fargo. However, it is lower than the $2,000–$3,000 limits available to premium customers at Chase or Citibank.
Why Does Truist Have a Daily ATM Limit?
ATM withdrawal limits are standard across the industry for several important reasons:
- Fraud protection: Limits minimize losses if your card or PIN is compromised.
- Cash management: ATMs stay stocked for all customers and don’t deplete too quickly.
- Customer safety: Helps prevent users from carrying excessively large amounts of cash.
Your limit is set per card, per day. If you hold multiple debit cards, each one will typically have its own withdrawal cap.
How to Increase Your Truist ATM Withdrawal Limit
If you need access to more than $500–$1,000 in cash, Truist offers several options:
- Request a temporary increase: Contact customer service or visit a branch. Temporary boosts are often granted for travel, emergencies, or large purchases.
- Upgrade your account: Preferred, wealth management, or premium accounts may offer higher default limits.
- Withdraw inside a branch: Tellers can provide significantly more cash than ATM limits allow.
- Use multiple methods: Combine ATM withdrawals with cash-back purchases, transfers, or wire payments.
Truist ATM Network Access
Truist operates more than 3,000 ATMs and over 2,000 branches, primarily across the Southeast. Truist customers pay no fee at Truist-owned ATMs. Out-of-network ATMs may impose additional surcharges, and Truist may charge a separate out-of-network fee depending on your account.
How Truist Compares to Other Banks
Truist’s $500–$1,000 ATM limit sits in the middle of the pack when compared to other major banks:
- Discover: $510 daily limit
- Regions: $808 daily limit
- Fifth Third: $810 daily limit
- Wells Fargo: $300–$1,500 depending on account
- Chase (premium): $2,000–$3,000+
- Citibank (elite tiers): $2,000–$3,000+
For detailed comparisons, see our full guide: Best Banks With High ATM Withdrawal Limits.
Tips for Managing Withdrawals With Truist
- Use the Truist app to confirm your balance before withdrawing.
- Withdraw during daytime hours at secure, high-traffic ATMs when taking out larger amounts.
- Request a temporary limit increase ahead of vacations or purchases.
- Use branch withdrawals for anything above your daily ATM limit.
Final Thoughts
Truist’s daily ATM withdrawal limit of $500–$1,000 meets most customers’ everyday needs. With thousands of ATMs and the ability to request temporary or permanent increases, Truist offers flexibility balanced with security. However, if you regularly need $2,000 or more in cash per day, you may want to compare Truist with banks offering higher limits, such as Chase or Citibank.
