Ally Bank’s ATM withdrawal limit is $1,000 per day. Ally provides free access to 43,000+ Allpoint ATMs nationwide and reimburses up to $10 per month in fees charged by out-of-network ATMs — making it one of the most ATM-friendly online banks available.
Ally Bank ATM Limits at a Glance
| Limit | Amount |
|---|---|
| Daily ATM withdrawal limit | $1,000 |
| Monthly ATM withdrawal limit | None |
| Free ATM network | 43,000+ Allpoint ATMs |
| Out-of-network ATM fee (Ally’s fee) | $0 (never charged) |
| Out-of-network fee reimbursement | Up to $10/month |
| International ATM fee | $0 (Ally’s portion); local surcharge may apply |
Ally’s ATM Network: 43,000+ Fee-Free Machines
Ally Bank does not operate its own ATMs. Instead, it partners with the Allpoint network — the largest surcharge-free ATM network in the US with 43,000+ locations. Allpoint ATMs are found at:
- Target — most locations nationwide
- Walgreens and Duane Reade
- CVS Pharmacy
- Costco
- Kroger, Safeway, and other major grocery chains
- 7-Eleven and other convenience stores
Find the nearest Allpoint ATM using the Allpoint ATM locator or through the Ally mobile app’s ATM finder feature.
The $10/Month Out-of-Network ATM Reimbursement
For any ATM outside the Allpoint network, the ATM owner may charge a surcharge (typically $2–$4). Ally automatically reimburses up to $10 per month in these third-party fees:
- The reimbursement is applied at the end of each billing cycle — you won’t see it instantly
- Ally tracks out-of-network fees automatically — no claim or request required
- $10 covers approximately 3–4 out-of-network withdrawals per month at average surcharge rates
- Customers who regularly exceed $10/month in ATM surcharges can request a temporary limit increase by phone
Example: You withdraw cash at a non-Allpoint ATM that charges a $3.50 surcharge. You do this 3 times in a month ($10.50 total). Ally reimburses $10 of that — you pay $0.50 out of pocket.
How Ally’s ATM Limit Compares
| Bank | Daily ATM Limit | Free ATMs | Out-of-Network Reimbursement |
|---|---|---|---|
| Ally | $1,000 | 43,000+ Allpoint | Up to $10/month |
| Chase | $500–$3,000 | 16,000+ proprietary | None |
| Bank of America | $1,000–$2,500 | 15,000+ proprietary | None |
| Capital One | $1,000 | 70,000+ (Allpoint + MoneyPass) | None |
| SoFi | $1,000 | 55,000+ (Allpoint + STAR) | None |
Ally’s $1,000 daily limit is on par with Capital One and SoFi, and higher than Chase’s standard $500 limit. The $10/month reimbursement is a meaningful differentiator — most banks charge for out-of-network ATM use without any reimbursement.
How to Request a Temporary ATM Limit Increase
If you need more than $1,000 in cash on a given day:
- Call Ally at 1-877-247-2559 (24/7)
- Request a temporary ATM limit increase for a specific date
- Ally evaluates based on account age, history, and the amount requested
- If approved, the higher limit applies for the requested date only
Alternatively, consider:
- ACH transfer to a brick-and-mortar bank that allows large cash withdrawals
- Cashier’s check requested from Ally for large amounts
- Zelle transfer to someone who can then provide cash (up to $5,000/day)
International ATM Use
Ally Bank does not charge a foreign transaction fee on international debit card purchases or ATM withdrawals. However:
- Ally’s charge: $0
- Network conversion fee: May be applied by Visa/Mastercard (typically 1%)
- Local ATM surcharge: The foreign ATM owner may charge a fee in local currency
- Reimbursement: The $10/month reimbursement applies to domestic out-of-network fees; international fees may or may not qualify — confirm with Ally at 1-877-247-2559
For frequent international travelers, Ally’s no-foreign-transaction-fee debit card is one of the best options among online banks.
Related Guides
- Ally Bank checking account 2026 — Interest Checking with no fees, no minimum balance, and debit card access to the Allpoint network
- Ally Bank mobile deposit limit — $50,000/day daily mobile deposit limit for checking
- Ally Bank transfer limits 2026 — ACH up to $150,000/day, Zelle $5,000/day
- Ally Bank fees 2026 — full fee schedule including the $10/month ATM reimbursement
- Ally Bank routing number — 124003116, all states
- Ally Bank customer service — 24/7 phone and chat
For a full overview of every Ally account, rate, and feature, see the Ally Bank guide.
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