Citi does not publish a single fixed daily ATM withdrawal limit table for every account. Per Citi’s Consumer Deposit Account Agreement, customers who reach a Relationship Tier (Citi Priority, Citigold, or Citigold Private Client) receive “Increased Citibank Card Signature, PIN and Cash Limits” compared to standard checking, but the exact dollar figures for each tier are set on your account’s card transaction limits chart rather than published as a flat public number. The most reliable way to know your limit is to check the Citi Mobile app or call Citi directly.
See the full Citi banking guide for fees, routing numbers, and minimum balance details.
Citi ATM Withdrawal Limits by Account
| Citi Account/Tier | ATM Withdrawal Limit |
|---|---|
| Regular Checking / Access Checking (standard) | Not published as a fixed figure — check the Citi Mobile app for your current limit |
| Citi Priority | Increased limit vs. standard, per Citi’s account agreement — confirm exact figure with Citi |
| Citigold | Further increased limit vs. Citi Priority — confirm exact figure with Citi |
| Citigold Private Client | Highest tier limit — confirm exact figure with Citi |
Citi’s account agreement confirms that Relationship Tier status increases your card signature, PIN, and cash withdrawal limits, but does not publish the specific dollar figures in the general consumer agreement — these appear on your individual account’s card transaction limits disclosure. Don’t assume a specific number without checking your account directly.
Citi ATM Network
Citi says its accounts include access to 65,000+ fee-free ATMs: Citibank branch ATMs, ATMs at select retail stores and ATMs in the MoneyPass network. Confirm the current network size with Citi, since ATM networks expand and contract over time.
Use the Citi mobile app or website to find fee-free ATMs, or the MoneyPass ATM locator.
ATM Fees at Non-Citi ATMs
| Account | Non-Citi ATM Fee |
|---|---|
| Regular Checking | $2.50/transaction (not waivable through deposit activity) |
| Access Checking | $2.50/transaction (not waivable through deposit activity) |
| Citi Priority | Waived |
| Citigold / Citigold Private Client | Waived, plus reimbursement of the ATM operator’s own fee |
Source: Citi’s Consumer Deposit Account Agreement. See Citi’s full fee schedule for a complete breakdown of ATM and other charges.
How to Find Your Citi ATM Limit
- Citi Mobile App → Account overview → Card details
- Citi Online → Account settings → Card management
- Call 1-888-CITIBANK (1-888-248-4226)
- Visit a Citibank branch
How to Increase Your Citi ATM Limit
Temporary Increase
Call 1-888-CITIBANK (1-888-248-4226) with your reason for the increase. Citi may approve temporary limit increases for documented needs such as international travel, a large planned purchase, or an emergency cash need — approval and the resulting limit are at Citi’s discretion.
Standard Limit Increase via Relationship Tier
- Reach Citi Priority ($30,000–$199,999.99 combined average monthly balance)
- Reach Citigold ($200,000–$999,999.99 combined average monthly balance to attain)
- Speak to a banker about a review of your standard limit
Branch Withdrawal
Visiting a Citibank branch for a teller withdrawal bypasses ATM limits entirely. Bring valid ID. For large amounts, call ahead to confirm cash availability.
When You Need More Than Your Standard ATM Limit
| Situation | Best Option |
|---|---|
| Cash needed today | Branch teller withdrawal |
| International travel | Call for a temporary increase before you leave |
| Large planned purchase | Electronic wire or cashier’s check |
| Frequent large cash needs | Ask about reaching Citi Priority or Citigold |
Citi vs. Other Banks: ATM Limits
Standard daily ATM limits change frequently and vary by account tier at every major bank. Rather than compare fixed figures here, confirm each bank’s current limit directly — see Bank of America ATM limit, Wells Fargo ATM limit, and Capital One ATM limit for other banks’ current published figures.
Bottom Line
Citi’s ATM withdrawal limit isn’t a single number you can rely on across every account — it depends on your specific account and Relationship Tier status. Check the Citi Mobile app for your exact current limit, and call 1-888-CITIBANK (1-888-248-4226) if you need a temporary increase. Citi’s fee-free network (including MoneyPass) provides strong coverage, though the $2.50 Non-Citi ATM fee applies at out-of-network machines regardless of your deposit activity.
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