Truist (formed from the BB&T and SunTrust merger) is a major U.S. bank with a large ATM footprint across the Southeast and Mid-Atlantic. If you bank with Truist, knowing your daily ATM withdrawal limit helps you plan ahead for travel, cash-heavy weekends, or one-time purchases.
Need an ATM first? Use Truist ATM Near Me to find locations, then come back here to understand how much you can typically withdraw in a day.
Typical Truist ATM Withdrawal Limits
Most Truist customers see a daily ATM withdrawal limit in the $500 to $1,000 range. Your exact limit depends on your account type, debit card, and your overall customer profile.
| Truist Account / Relationship Tier | Typical Daily ATM Withdrawal Limit (Range) | Notes |
|---|---|---|
| Standard checking (entry-level accounts) | $500 | Common baseline for many everyday debit cards |
| Preferred / premium checking | $500–$1,000 | Higher limits may be available based on account features and history |
| Wealth / private banking relationships | $1,000+ | Limits may be customized depending on the relationship |
Important: These are typical ranges, not guaranteed limits. Limits are set per card, per day, and they can change over time. If you have multiple Truist debit cards, each card may have its own daily cap.
Want to compare limits across banks? See ATM Withdrawal Limits by Bank for a quick comparison chart.
Why Truist Has a Daily ATM Withdrawal Limit
ATM limits are standard across the banking industry for a few key reasons:
- Fraud protection: A daily cap reduces potential losses if your card or PIN is compromised.
- Cash management: Limits help machines stay stocked for more customers during busy periods.
- Customer safety: Lower limits reduce the risk of carrying large amounts of cash.
For a deeper explainer, see Why ATMs Have Withdrawal Limits.
What Affects Your Truist ATM Withdrawal Limit?
Your personal limit can vary based on:
- Account tier: Premium and relationship accounts may qualify for higher limits.
- Banking history: Longer tenure and strong account standing can support higher caps.
- Card type: Some debit cards have built-in caps that don’t match account marketing tiers.
- Security flags: Recent card replacement, suspected fraud, or unusual activity can temporarily reduce limits.
- The ATM you use: Out-of-network ATMs may enforce per-transaction maximums that feel like a lower daily limit.
If a withdrawal is declined, the issue might be your daily limit, a per-transaction cap at that ATM, or a security hold. Helpful troubleshooting pages: ATM Declined Your Card and ATM Says Cannot Process Transaction.
How to Check Your Truist ATM Withdrawal Limit
Before you rely on a specific amount, confirm your actual daily limit. Common ways include:
- Truist mobile app: Look in debit card controls/card management for daily ATM limits (wording varies by version).
- Online banking: Check card services or account settings for debit card limits.
- Customer support: Call the number on the back of your card and ask for your daily ATM withdrawal limit.
- Branch: A banker can confirm your card profile and note any restrictions.
Tip: If you’re traveling or you must withdraw near a specific time (like before a closing), confirm your limit directly with Truist support so you’re not surprised by a cap or security hold.
How to Increase Your Truist ATM Withdrawal Limit
If you need more than your daily cap allows, Truist may approve a temporary or permanent increase depending on account standing and internal policies. Options typically include:
- Request a temporary increase: Ideal for travel, emergencies, or one-time purchases (often 24–72 hours).
- Ask about a permanent increase: If you regularly need more cash access, request a higher ongoing limit.
- Upgrade your account: Premium tiers may come with higher default limits.
- Withdraw in-branch: Teller withdrawals generally aren’t bound by ATM limits and can be safer for large sums.
For a bank-agnostic walkthrough, see How to Increase Your ATM Withdrawal Limit.
Truist ATM Network, Out-of-Network Caps, and Fees
Where you withdraw matters just as much as your daily limit:
- Truist-owned ATMs: Usually provide the smoothest access to your daily limit.
- Out-of-network ATMs: Often impose per-transaction caps (commonly $200–$400), which can require multiple withdrawals.
- Surcharges: Third-party ATMs may add a surcharge, and Truist may also charge an out-of-network fee depending on the account.
- Save on fees: Use Fee-Free ATMs Near You and How to Withdraw Cash Without Paying ATM Fees.
If you’re deciding whether to use another bank’s ATM, see Can I Use Another Bank’s ATM?.
Alternatives When You Need More Than Your Truist ATM Limit
If even a temporary increase won’t cover what you need, these alternatives are often safer than carrying large amounts of cash:
- Branch withdrawal: Withdraw with a teller using ID (often supports larger amounts).
- Cashier’s check: Helpful for large purchases (vehicle, rent deposit, contractor payment) without carrying cash.
- Wire transfer or Zelle®: Often better for large payments than cash.
- Cash back at retailers: Many stores offer cash back with a debit purchase (limits vary).
- Multiple days: If timing allows, withdraw the daily max over several days.
Planning a large cash move? Read Large Cash Withdrawals Guide and How to Withdraw Large Amounts of Cash.
Truist ATM Withdrawal Limit FAQs
What is the Truist ATM withdrawal limit?
Many Truist customers have daily ATM limits in the $500–$1,000 range. The exact limit is set per debit card and can vary by account tier and customer profile.
Can I increase my Truist ATM withdrawal limit?
Often, yes. Truist may allow a temporary increase for travel or a one-time need, or a permanent increase depending on account standing and internal policies.
Do Truist ATM limits reset at midnight?
Daily limits often reset at midnight, but timing can vary by processing rules or time zone. If the reset time matters, confirm with Truist support.
Why was my withdrawal declined if I have money in my account?
Common reasons include hitting your daily limit, the ATM enforcing a per-transaction cap, or a security hold. See ATM Declined Your Card for troubleshooting steps.
Do ATM limits apply to branch withdrawals?
No. ATM limits generally apply only to withdrawals made at ATMs. In-branch teller withdrawals follow separate rules and can allow larger amounts with proper verification.
Related ATM Guides
- ATM Withdrawal Limits by Bank
- How to Increase Your ATM Withdrawal Limit
- Fee-Free ATMs Near You
- Can I Use Another Bank’s ATM?
- Does the IRS Flag Large Withdrawals?
Bookmark this page as a quick reference for Truist ATM withdrawal limits, and use the guides above to plan safer, lower-fee cash access when you need it.
