Truist Bank, created from the merger of BB&T and SunTrust, operates one of the largest ATM networks in the country. While Truist offers convenient access to cash at thousands of locations, customers are subject to daily withdrawal limits that vary based on several factors.
This guide explains how Truist ATM withdrawal limits work, how to request an increase, what to expect with overdrafts, and how to avoid related fees.
Standard Truist ATM Withdrawal Limit
Truist generally sets daily ATM withdrawal limits between $500 and $1,000. The exact limit depends on your account type, banking history, and whether you’re using a Truist ATM or a third-party machine.
For most basic checking accounts, the standard limit is around $500 per day. Premium accounts or those with longer banking histories may qualify for higher daily withdrawal limits.
ATM limits may also vary slightly by location, especially if you’re using a non-Truist ATM or withdrawing from a high-risk area.
To view or confirm your specific limit, log in to your Truist mobile banking app or online dashboard.
How to Increase Your Truist ATM Withdrawal Limit
If your current limit doesn’t meet your needs, you can request a temporary or permanent increase.
Here’s how:
- Contact Truist customer service by phone
- Visit a local Truist branch
- Submit a secure request through online or mobile banking
Truist may ask for additional information to process the request, such as:
- Proof of consistent account activity
- Your account type and balance history
- A valid government-issued ID
- Proof of income, if requesting a significant increase
Higher withdrawal limits may be more easily approved for clients with premium or long-standing accounts.
Truist Overdraft Withdrawals and Fees
If you attempt to withdraw more than your available balance, Truist may allow an overdraft, depending on your account settings. This is known as overdraft protection and can lead to additional fees.
Key points to understand:
- Overdraft withdrawals are typically allowed only if you’ve opted into overdraft services
- Truist may charge an overdraft fee per transaction, often around $36
- Some accounts may have a daily cap on overdraft fees
- Overdraft limits vary by customer and account type
To avoid overdraft fees at the ATM, it’s best to monitor your balance closely or disable overdraft access through your account settings.
For a broader overview of how banks handle large withdrawals, visit our guide:
Does the IRS Flag Large ATM Withdrawals?
What Happens If You Exceed Your Limit
If you exceed your Truist ATM withdrawal limit, the transaction may be declined. In some cases, Truist could charge a fee if an attempted withdrawal goes over your authorized daily limit—especially at non-Truist ATMs.
To avoid this:
- Know your daily ATM limit before attempting a large withdrawal
- Break up larger amounts across multiple days, if possible
- Use Truist ATMs whenever you can to avoid third-party fees
Want to compare Truist limits with other banks? Check out our Bank ATM Withdrawal Limits Guide.
Tips to Avoid Fees and Maximize Access
Here are a few smart strategies to avoid ATM-related fees and stay within your limits:
- Monitor your account through mobile or online banking
- Set up alerts for low balances and large withdrawals
- Use your debit card for purchases instead of withdrawing cash
- Limit use of non-Truist ATMs to avoid surcharge and network fees
- Disable overdraft services if you prefer to avoid potential overdraft charges
Final Thoughts
Truist ATM withdrawal limits are designed to protect your account while offering convenient access to cash. Whether you’re withdrawing from a Truist ATM or a third-party machine, knowing your daily limit—and how to manage it—can help you avoid fees and declined transactions.
If you frequently reach your limit, contact Truist to discuss your options. And if you’re comparing banks or looking to manage cash more efficiently, explore our additional resources below.
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