Bank of America ATM Withdrawal Limit 2026: How Much Can You Take Out?

Bank of America does not publish a daily ATM withdrawal limit by account. It says the amount you can withdraw depends on several factors, including limits set based on your card or account type, so you can check or change yours in the Mobile Banking app or Online Banking. This guide covers where to find your limit, how to ask for a change, 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

Bank of America does not say how new-account limits compare. Check your own limit in the app or Online Banking.

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:

Only cash withdrawals count against your ATM cap. Swiping your debit card at a store does not reduce the cash 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 withdrawal at 11:55 PM ET and another at 12:05 AM ET are treated as separate days
• 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

1. BofA Mobile App → Accounts → your checking account → ATM/Debit card settings
2. Online Banking → Account details → Card management
3. Call 800-432-1000 → Ask the automated system or a representative
4. 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:

1. Open the app → Menu → Manage Debit Card → Spending Limits
2. Select ATM limit and enter a new amount
3. 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 BofA Rewards — higher tiers (Preferred Honors, Premier) may unlock higher ATM limits
• Request a formal limit increase at a branch — longer account history improves approval odds

BofA Rewards Tiers

BofA Rewards also cuts the $2.50 non-BofA ATM fee in the U.S.: Preferred Plus members get it waived for one withdrawal and one transfer per statement cycle, and Preferred Honors and Premier members get it waived on all such withdrawals and transfers, plus a refund of the ATM operator’s fee.

Bank of America ATM Network & Fees

Bank of America operates about 15,000 ATMs and 3,593 domestic branches (Federal Reserve, June 30, 2026). Using a BofA ATM is always free. See the full Bank of America fees guide for the complete fee schedule.

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, your usual daily ATM 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 Your ATM Limit

A branch teller withdrawal is your fastest option for same-day cash needs above your ATM limit. 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 of America does not publish its daily limit, so check your own in the app or Online Banking. Chase sets limits by card type and ATM type, and Citi publishes its tiers.

Bottom Line

For most customers, the daily ATM limit shown in the app 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 BofA Rewards tier (Preferred Honors or Premier) for potentially higher limits

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

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.