Bank of America’s standard daily ATM withdrawal limit is $1,000 for most checking accounts. Preferred Rewards Platinum Honors members can withdraw up to $2,500 per day. The limit resets at midnight Eastern Time, and in-branch teller withdrawals do not count against it at all.
See the Bank of America complete guide for account types, fees, and hours.
Bank of America ATM Limits by Account and Tier
Your ATM withdrawal limit depends on which checking account you hold and whether you are enrolled in Preferred Rewards. The tiers below represent typical limits — BofA can set individual limits higher based on account history.
| Account / Tier | Daily ATM Withdrawal Limit |
|---|---|
| Advantage SafeBalance Banking | $1,000 |
| Advantage Plus Banking | $1,000 |
| Advantage Relationship Banking | $1,000–$2,000 |
| Preferred Rewards Gold ($20K–$49.9K balance) | $1,000 |
| Preferred Rewards Platinum ($50K–$99.9K balance) | $1,500–$2,000 |
| Preferred Rewards Platinum Honors ($100K+ balance) | Up to $2,500 |
Note on new accounts: Accounts under 90 days old typically start with a lower limit — often $500–$750 — that rises automatically once the account is established.
To see your personal limit: open the BofA mobile app → select your checking account → tap the debit card icon → Card Settings.
ATM Limit vs. Debit Card Purchase Limit — Key Difference
Your ATM limit and your debit card purchase limit are completely separate pools.
| Transaction Type | Typical Daily Limit | Tracks Separately? |
|---|---|---|
| ATM cash withdrawals | $1,000 | Yes |
| Debit card purchases (PIN) | $2,000–$5,000 | Yes |
| Debit card purchases (signature) | $2,000–$5,000 | Yes |
| Cash back at register | Counts toward ATM limit | — |
Worked example: If you spend $900 at a dealership on your debit card, you can still withdraw $1,000 in cash from an ATM that same day. The exception is cash back at a retailer — that does count toward your ATM limit. If you need your debit card purchase limit specifically, call 800-432-1000 or check the app.
What Counts Toward Your ATM Limit (and What Doesn’t)
Counts toward the $1,000 daily ATM limit:
- Cash withdrawn at any Bank of America ATM
- Cash withdrawn at any non-BofA ATM
- Cash back at the register (treated as a cash withdrawal)
Does NOT count against the ATM limit:
- Debit card purchases (in-store or online)
- In-branch teller cash withdrawals
- Transfers between BofA accounts
- Bill payments or Zelle transfers (see BofA transfer limits)
This matters most when you’re near your limit. If you’ve already withdrawn $800 at an ATM, you can still make unlimited debit purchases — you just can’t take out more than $200 more in ATM cash that day.
Bank of America ATM Fees
BofA has 15,000+ ATMs nationwide — all free to use with any BofA checking account. Fees only apply outside the network.
| ATM Usage | Fee |
|---|---|
| Bank of America ATM (domestic) | Free |
| Non-BofA ATM (domestic) | $2.50 per transaction |
| Non-BofA ATM (international) | $5.00 + 3% currency conversion |
| Preferred Rewards Gold / Platinum / Platinum Honors | Non-BofA domestic fee waived |
The 3% international currency conversion fee makes international withdrawals meaningfully more expensive than using a travel-friendly bank like Schwab. If you travel internationally regularly, factor this into your bank choice. The Bank of America fees guide covers all account fees and how Preferred Rewards status eliminates several charges.
How to Increase Your Bank of America ATM Limit
Option 1: Call for a Temporary Increase
Call 800-432-1000 and ask for a temporary ATM limit increase. Have ready:
- How much you need (e.g., $3,000)
- The reason (travel, large purchase, emergency)
- The dates you need the higher limit
BofA typically approves same-day for established accounts in good standing. The limit reverts automatically after your stated timeframe.
Option 2: Adjust in the Mobile App
Some accounts allow self-service limit changes:
- Open the BofA app → Menu (top left)
- Tap Manage Debit Card
- Select Spending Limits or ATM Withdrawal Limit
- Adjust to your desired amount
If you don’t see this option, call instead.
Option 3: Build Preferred Rewards Tier Status
| Tier | 3-Month Average Balance | ATM Limit Benefit |
|---|---|---|
| Gold | $20,000–$49,999 | Standard ($1,000) |
| Platinum | $50,000–$99,999 | Up to $1,500–$2,000 |
| Platinum Honors | $100,000+ | Up to $2,500 |
Merrill investment accounts count toward your balance — a $100,000 Merrill brokerage account qualifies you for Platinum Honors without needing $100K in cash deposits.
Option 4: In-Branch Teller Withdrawal
A branch teller withdrawal bypasses the ATM limit entirely. For amounts over $10,000, federal currency transaction reporting applies, but there is no bank-imposed daily cap the same way ATMs have one. Bring government-issued photo ID. Most BofA financial centers are open Monday–Friday 9 AM–5 PM and Saturday 9 AM–1 PM. For full hours, see the Bank of America hours guide.
What Happens When You Hit Your ATM Limit
When you’ve reached your daily limit, the ATM declines the withdrawal with a message like “daily withdrawal limit reached.” Your card is not blocked — debit purchases still work normally.
Options at that point:
- Wait until midnight ET — the limit resets automatically
- Call 800-432-1000 — request a same-day temporary increase
- Go to a branch — make a teller withdrawal (ATM limit does not apply)
- Use Zelle or ACH — send money to someone who can get cash, or transfer funds to another account
- Use a cashier’s check — for large payments like rent or a car purchase, often better than cash
BofA 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 |
| TD Bank | $750–$1,000 |
BofA’s $1,000 standard limit is on par with the industry. Chase starts lower ($500 for many accounts). The key differentiator is BofA’s Preferred Rewards program — a structured path to higher limits up to $2,500 without needing to negotiate case-by-case. For mobile deposit limits, see the BofA mobile deposit limit guide.
Bottom Line
For most BofA customers, the $1,000 daily ATM limit is enough for routine use. When you need more:
- Today: Visit any BofA branch for a teller withdrawal — no ATM limit applies
- Planned trip or large cash need: Call 800-432-1000 for a same-day temporary increase
- Ongoing higher needs: Build Preferred Rewards status for automatic limit increases up to $2,500
Your ATM limit and debit card purchase limit are separate — hitting your ATM cap does not block purchases. And if you regularly pay the $2.50 non-BofA ATM fee, Preferred Rewards Gold status eliminates that charge entirely.
For a full account assessment, see the Bank of America review.
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