Bank of America’s standard ATM withdrawal limit is $1,000 per day for most checking accounts — one of the more accessible limits among major US banks. Preferred Rewards members and account upgrades can push this higher, up to $2,500. This guide covers your exact limit by account, how to increase it, and what to do when you need more cash than the ATM will dispense. For a full overview of BofA’s accounts and features, see the Bank of America hub.
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 |
New accounts may start with a lower limit (often $500) for the first 30–90 days while BofA establishes your account history.
ATM Limit vs. Debit Card Purchase Limit
This is one of the most common points of confusion. Bank of America applies two separate daily limits:
| Limit Type | Typical Amount | What It Covers |
|---|---|---|
| ATM withdrawal limit | $1,000/day | Cash from ATMs only |
| Debit card purchase limit | $5,000–$10,000/day | Point-of-sale purchases, online payments |
Only cash withdrawals count against your ATM cap. Swiping your debit card at a store for $800 does not reduce the $1,000 you can withdraw at an ATM that day. If you are making a large purchase, using your debit card at the merchant (not taking out cash to pay) is typically a better approach.
What the ATM Limit Covers
Counts toward your BofA ATM daily limit:
- Withdrawals at Bank of America ATMs
- Withdrawals at non-BofA ATMs (domestic)
- Withdrawals at non-BofA ATMs (international)
- Cash back at retail (varies by account, usually up to $100–$200 per transaction)
Does NOT count against the ATM limit:
- In-branch teller withdrawals
- Debit card purchases (separate limit — see above)
- Internal transfers between accounts
When the ATM Limit Resets
Bank of America ATM limits reset at midnight Eastern Time each day. This means:
- A $1,000 withdrawal at 11:55 PM ET and another $1,000 at 12:05 AM ET are treated as separate days — both are allowed
- If you hit your limit at 3 PM, you cannot withdraw more until midnight ET, regardless of your local time zone
Plan large cash needs around this if you are traveling across time zones.
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 → Ask the automated system or a representative
- Branch visit → Any teller can confirm your current limit in under a minute
How to Increase Your Bank of America ATM Limit
Temporary Increase
Call Bank of America customer service at 800-432-1000 and request a temporary ATM limit increase. Be ready to provide:
- How much you need (state the dollar amount)
- The reason (travel, moving expenses, large purchase, etc.)
- The start and end dates of your increased need
Approvals are usually same-day. The limit automatically reverts after your stated period — you do not need to call again.
Via Mobile App
Some BofA customers can adjust limits directly through the mobile app:
- Open the app → Menu → Manage Debit Card → Spending Limits
- Select ATM limit and enter a new amount
- Not all accounts have this self-service option; if you don’t see it, call instead
Permanent Increase
- Upgrade your account to Advantage Relationship Banking (requires higher balance)
- Enroll in Preferred Rewards — higher tiers unlock higher ATM limits automatically
- Request a formal limit increase at a branch — longer account history improves approval odds
Preferred Rewards Tiers
| Tier | 3-Month Average Balance | ATM Limit Benefit |
|---|---|---|
| Gold | $20,000–$50,000 | Standard $1,000 + non-BofA domestic fee waived |
| Platinum | $50,000–$100,000 | Higher limits ($1,500–$2,000) |
| Platinum Honors | $100,000+ | Up to $2,500 |
Preferred Rewards also waives the $2.50 non-BofA domestic ATM fee at Gold level and above — worth $60–$120/year for frequent ATM users.
Bank of America ATM Network & Fees
Bank of America operates more than 15,000 ATMs and 3,900+ branches nationwide. Using a BofA ATM is always free. See the full Bank of America fees guide for the complete fee schedule.
| Situation | Fee |
|---|---|
| BofA ATM (any checking account) | $0 |
| Non-BofA ATM (domestic) | $2.50 per transaction |
| Non-BofA ATM (domestic) — Preferred Rewards Gold+ | $0 (waived) |
| Non-BofA ATM (international) | $5.00 + 3% foreign transaction fee |
| Global ATM Alliance partners (select countries) | $0 (no surcharge) |
BofA’s Global ATM Alliance includes partner networks in the UK (Barclays), Germany (Deutsche Bank), France (BNP Paribas), and several other countries — useful if you travel internationally.
International ATM Withdrawals
When using your BofA debit card abroad, the same $1,000/day limit applies — but fees are higher:
- $5.00 flat fee per international ATM withdrawal
- 3% foreign transaction fee on the amount withdrawn (e.g., $30 on a $1,000 withdrawal)
- Total cost on a $500 international withdrawal: ~$20 in fees
To avoid the 3% foreign transaction fee, consider a travel-focused account or card before your trip. For BofA-specific travel planning, see the BofA hours and contact info page for details on international support lines.
When You Need More Than $1,000
| Situation | Best Approach |
|---|---|
| Need cash today | Branch teller withdrawal (no limit, requires ID) |
| Upcoming travel | Call 800-432-1000 for temporary increase |
| Recurring higher needs | Upgrade account or enroll in Preferred Rewards |
| Large payment to a person | Wire transfer or Zelle (see transfer limits) |
| Buying a vehicle | Bank-issued cashier’s check (free for Preferred Rewards) |
A branch teller withdrawal is your fastest option for same-day cash needs above $1,000. There is no stated maximum for teller cash withdrawals, though the branch will need advance notice for very large amounts (typically over $10,000) to ensure they have sufficient cash on hand.
Bank of America ATM Limit vs. Other Major Banks
| Bank | Standard Daily ATM Limit |
|---|---|
| Bank of America | $1,000 |
| Chase | $500–$1,000 |
| Wells Fargo | $300–$1,500 |
| Citi | $1,000–$2,000 |
| Capital One 360 | $1,000 |
| US Bank | $500–$1,000 |
Bank of America’s $1,000 standard is competitive. Citi edges ahead for high-balance customers, and Wells Fargo varies widely by account type. Chase’s limit is lower for entry-level accounts.
Bottom Line
For most customers, Bank of America’s $1,000 daily ATM limit is sufficient. When you need more:
- Today: Visit any BofA branch for an unlimited teller withdrawal (bring photo ID)
- Planned increase: Call 800-432-1000 or use the app to request a temporary raise
- Long-term: Build your Preferred Rewards tier for automatic limit increases up to $2,500
Related Guides
- Bank of America fees 2026 — complete fee schedule including ATM, overdraft, and monthly charges
- Bank of America transfer limits 2026 — Zelle, ACH, and wire transfer caps
- Bank of America mobile deposit limit 2026 — daily and monthly check deposit limits
- Bank of America customer service — phone numbers, chat, and branch hours
- Bank of America checking account 2026 — Advantage account comparison and fees
- Bank of America hub — routing number, hours, account reviews, and more
The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy