Ally Bank ATM Withdrawal Limit 2026: $1,010/Day + $10 Per-Cycle Reimbursement

Ally Bank’s ATM withdrawal limit is $1,010 per day. Ally provides free access to 75,000+ fee-free ATMs nationwide and reimburses up to $10 per statement cycle 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

Ally’s ATM Network: 75,000+ Fee-Free Machines

Ally Bank does not operate its own ATMs. Instead, it partners with the Allpoint network — with Ally advertising 75,000+ fee-free ATMs nationwide. 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 Up-to-$10 Out-of-Network ATM Reimbursement

For any ATM outside the Allpoint network, the ATM owner may charge a surcharge. Ally automatically reimburses up to $10 per statement cycle 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
• Customers who regularly exceed $10 per statement cycle 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

Ally’s $1,010 daily limit is lower than the $2,000 limits at Capital One and SoFi, and higher than Chase’s $500 limit at non-Chase ATMs. The up to $10/statement cycle 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 $1,010 in cash on a given day:

1. Call Ally at 1-877-247-2559 (24/7)
2. Request a temporary ATM limit increase for a specific date
3. Ally evaluates based on account age, history, and the amount requested
4. 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 (limit not publicly disclosed by Ally — check the amount shown in your Zelle screen in the app)

International ATM Use

Ally’s debit card agreement says an International Transaction Fee of up to 1% applies to POS debit, retail cash back, over-the-counter and ATM transactions originated outside the United States, and that Ally won’t reimburse any exchange rate loss or fee from using the card abroad. Also:

• Ally’s charge: an International Transaction Fee of up to 1%
• Exchange rate: the rate applied on the settlement date may not be the best rate
• Local ATM surcharge: The foreign ATM owner may charge a fee in local currency
• Reimbursement: Ally reimburses fees from U.S. ATM operators only; it won’t reimburse fees from non-U.S. ATM operators or its own international transaction fees

For frequent international travelers, compare the up-to-1% fee against other banks before relying on Ally abroad.

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 — Ally doesn’t publish a fixed ACH or Zelle limit; both are disclosed in-app
• Ally Bank fees 2026 — full fee schedule including the up to $10/statement cycle ATM reimbursement
• Ally Bank routing number — 124003116, all states

For a full overview of every Ally account, rate, and feature, see the Ally Bank guide.

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.