Bank of America’s standard ATM withdrawal limit is $1,000 per day — one of the more accessible limits among major banks. Preferred Rewards members and account upgrades can push this higher.
Bank of America ATM Limits by Account
| BofA Account | Daily ATM Withdrawal Limit |
|---|---|
| Advantage SafeBalance Banking | $1,000 |
| Advantage Plus Banking | $1,000 |
| Advantage Relationship Banking | $1,000–$2,000 |
| Preferred Rewards Gold | $1,000 |
| Preferred Rewards Platinum | $1,500–$2,000 |
| Preferred Rewards Platinum Honors | Up to $2,500 |
| Merrill Lynch accounts (linked) | Varies by relationship |
What the ATM Limit Covers
Counts toward your BofA ATM limit:
- Withdrawals at Bank of America ATMs
- Withdrawals at non-BofA ATMs
- Cash back at retail (varies by account)
Does NOT count against the ATM limit:
- In-branch teller withdrawals
- Debit card purchases
- Transfers between accounts
How to Find Your Bank of America ATM Limit
- BofA Mobile App → Accounts → Your checking account → ATM/Debit card settings
- Online Banking → Account details → Card management
- Call 800-432-1000 → Automated system or representative
- Branch visit → Ask any teller
How to Increase Your Bank of America ATM Limit
Temporary Increase
Call 800-432-1000 and request a temporary ATM limit increase. Typical details to have ready:
- How much you need
- The reason (travel, large purchase, etc.)
- The dates of your increased need
Approvals are usually same-day. The limit automatically reverts after your stated period.
Via Mobile App
Some BofA customers can adjust limits directly through the mobile app:
- Open the app → Menu → Manage Debit Card → Spending Limits
- Not all accounts have this self-service option
Permanent Increase Options
- Upgrade your account to Advantage Relationship Banking
- Enroll in Preferred Rewards — higher tiers earn higher limits
- Deposit more — higher average balances can trigger a review
Preferred Rewards Tiers
| Tier | 3-Month Average Balance | ATM Benefit |
|---|---|---|
| Gold | $20,000–$50,000 | Standard |
| Platinum | $50,000–$100,000 | Higher limits |
| Platinum Honors | $100,000+ | Up to $2,500 |
Bank of America ATM Network & Fees
| Situation | Fee |
|---|---|
| BofA ATM (any checking) | Free |
| Non-BofA ATM | $2.50 per transaction |
| Non-BofA ATM (international) | $5.00 + 3% |
| Preferred Rewards Gold+ | Non-BofA fee waived |
Bank of America has 15,000+ ATMs and 4,000+ branches nationwide. Use the BofA ATM locator in the app to find the nearest fee-free machine.
When You Need More Than $1,000
| Situation | Best Approach |
|---|---|
| Need cash today | Branch teller withdrawal |
| Upcoming travel | Call 800-432-1000 for temporary increase |
| Recurring higher needs | Upgrade account or join Preferred Rewards |
| Large purchase payment | Cashier’s check or wire transfer |
| Buying a car | Bank-issued cashier’s check (no fee for Preferred Rewards) |
BofA vs. Other Banks: ATM Limits
| Bank | Standard Limit |
|---|---|
| Bank of America | $1,000 |
| Chase | $500–$1,000 |
| Wells Fargo | $300–$1,000 |
| Citi | $1,000–$2,000 |
| Capital One 360 | $1,000 |
Bank of America’s $1,000 standard limit is competitive with major banks. The Preferred Rewards program offers meaningful limit increases for those with higher balances.
Bottom Line
For most customers, Bank of America’s $1,000 daily ATM limit is sufficient. If you need more:
- Today: Visit any BofA branch for an unlimited teller withdrawal
- Planned increase: Call 800-432-1000 for a temporary raise
- Long-term: Build your Preferred Rewards tier for automatic limit increases