Most US bank ATM withdrawal limits fall between $300 and $1,000 per day for standard checking accounts. Premium and private client accounts can go up to $3,000 or higher. Charles Schwab Bank has no ATM limit at all and reimburses all ATM fees worldwide. Your specific limit depends on your bank, your account type, and how long you’ve had the account.
If you need to pull more cash than your limit allows — for a car purchase, trip, or emergency — you have options. This guide covers every major bank’s limit and exactly how to get yours raised, fast.
ATM Withdrawal Limits by Bank — Quick Reference
| Bank | Standard Daily ATM Limit | Premium / Private Client | Notes |
|---|---|---|---|
| Chase | $500 – $1,000 | Up to $3,000 | Varies by account type |
| Bank of America | $1,000 | Up to $2,500 | Advantage accounts vary |
| Wells Fargo | $300 – $1,500 | Up to $2,500 | New accounts start lower |
| Citi | $1,000 – $2,000 | Up to $5,000 | Citigold gets highest |
| Capital One | $1,000 | $2,000 | 360 Checking standard |
| PNC Bank | $500 – $1,500 | Up to $2,500 | Performance accounts higher |
| U.S. Bank | $500 | Up to $1,000 | Elite tier higher |
| TD Bank | $750 – $1,000 | Up to $1,500 | Convenience accounts |
| Truist | $500 – $1,000 | Up to $2,000 | Formerly SunTrust / BB&T |
| Ally Bank | $1,000 | N/A (online only) | No physical ATMs; reimburses fees |
| Discover | $510 | N/A | Cashback Debit standard |
| Charles Schwab | Unlimited | Unlimited | Reimburses all ATM fees worldwide |
| Fidelity | $500 | Up to $2,500 | Reimburses ATM fees |
| Navy Federal | $1,000 | Up to $3,000 | Members only |
Limits shown are typical ranges for 2026. Your exact limit may differ based on account history and tier. Always confirm with your bank.
How ATM Limits Work
Before diving into bank-by-bank numbers, it helps to understand what ATM limits actually cover — because most people discover the rules at the worst possible moment (standing at an ATM needing cash).
Your daily ATM limit is a cap on cash withdrawals from ATM machines only. It is separate from your debit card spending limit, which applies to purchases at stores and online. Most banks reset your ATM limit at midnight ET, though some use their own business day cutoff.
What counts toward your ATM limit:
- Cash withdrawn from any ATM (in-network or out-of-network)
- Cash back at retailers — at some banks, not all
What does NOT count toward your ATM limit:
- Debit card purchases in stores or online
- Transfers between your accounts
- Wire transfers or ACH payments
The distinction matters: if you have a $1,000 ATM limit but a $5,000 daily debit spending limit, you can make a $4,000 purchase at a car dealer using your debit card even after maxing your ATM withdrawals — as long as the dealer accepts debit.
Chase ATM Withdrawal Limits
Chase sets ATM limits by account tier. Standard Total Checking customers get $500 to $1,000 per day. Private Client members can pull up to $3,000. If you’ve had your account for several years and maintain a high balance, Chase often quietly raises your limit — but you have to ask to find out what yours actually is.
| Chase Account | Daily ATM Limit |
|---|---|
| Chase Total Checking | $500 – $1,000 |
| Chase Premier Plus Checking | $1,000 – $2,000 |
| Chase Sapphire Banking | Up to $2,000 |
| Chase Private Client | Up to $3,000 |
For a full breakdown of Chase fees and account features, see our Chase bank guide.
To raise your Chase ATM limit: Call 1-800-935-9935 or visit a branch. Temporary increases for documented reasons — travel, a cash purchase, moving expenses — are routinely approved same day. There is no fee to request an increase.
Bank of America ATM Withdrawal Limits
Bank of America’s standard limit is $1,000 per day across most of its Advantage account tiers. Preferred Rewards Platinum Honors members can access up to $2,500. New accounts may start lower and build over time.
| BofA Account | Daily ATM Limit |
|---|---|
| Advantage SafeBalance | $1,000 |
| Advantage Plus | $1,000 |
| Advantage Relationship | $1,000 – $2,500 |
| Preferred Rewards Platinum Honors | Up to $2,500 |
For more on Bank of America’s account structure, see our Bank of America ATM limit guide.
To raise your BofA limit: Call 800-432-1000 or request a temporary increase through the Bank of America mobile app. The app option is the fastest — some customers report same-day approval in under five minutes.
Wells Fargo ATM Withdrawal Limits
Wells Fargo has one of the wider limit ranges of any major bank. New Everyday Checking customers often start at just $300, which jumps significantly once the account has been open six months or more and shows consistent use.
| Wells Fargo Account | Daily ATM Limit |
|---|---|
| Everyday Checking (new account) | $300 |
| Everyday Checking (established) | $500 – $1,000 |
| Prime Checking | $1,000 – $1,500 |
| Premier Checking | Up to $2,500 |
Starting low and scaling up is a deliberate fraud-prevention policy at Wells Fargo. If you’re a new customer and need more than $300, call them before you need the cash — Wells Fargo customer service can raise new account limits with a brief explanation. See our dedicated Wells Fargo ATM limit guide for the full breakdown.
Citi ATM Withdrawal Limits
Citi offers some of the highest standard limits among major banks. Citigold members can access up to $5,000 per day — the highest cap of any standard retail bank in this comparison.
| Citi Account | Daily ATM Limit |
|---|---|
| Access Account | $1,000 |
| Regular Checking | $1,000 – $2,000 |
| Citi Priority | Up to $2,000 |
| Citigold | Up to $5,000 |
Capital One ATM Withdrawal Limits
Capital One 360 Checking sets a flat $1,000 daily ATM limit for most customers, with Performance Savings accounts having no ATM card at all (transfers only). Capital One also supports cardless ATM access at its own machines via the mobile app — useful if you’ve lost your debit card and need cash quickly.
| Capital One Account | Daily ATM Limit |
|---|---|
| 360 Checking | $1,000 |
| 360 Performance Savings | N/A (transfers only) |
For a full comparison, see our Capital One ATM limit guide.
Online Bank ATM Limits
Online banks handle ATM access differently from traditional banks — they typically reimburse out-of-network ATM fees rather than operating their own machines. The standout option here is Charles Schwab, which has no ATM limit and reimburses 100% of ATM fees worldwide with no monthly cap.
| Online Bank | Daily ATM Limit | Fee Reimbursement |
|---|---|---|
| Ally Bank | $1,000 | Up to $10/month at any ATM |
| Discover | $510 | None (use Allpoint network) |
| Marcus (Goldman Sachs) | N/A — savings only | No ATM card issued |
| Charles Schwab | Unlimited | All fees reimbursed, no cap |
| Fidelity | $500 (up to $2,500 on request) | All fees reimbursed |
| SoFi | $300 (up to $2,500 with direct deposit) | Free at Allpoint ATMs |
If you travel internationally or regularly need more than $500 in cash, Charles Schwab and Fidelity are worth a comparison with your current bank.
Worked Example: What Happens When You Hit Your ATM Limit
Say you’re buying a used car privately for $8,500 in cash and you bank with Wells Fargo Everyday Checking, which has a $1,000 daily ATM limit.
- Day 1: You withdraw $1,000 from an ATM — that’s your daily limit used up
- Day 2: You can withdraw another $1,000 after midnight — but you’d need 9 days to accumulate $8,500 this way, which is impractical
Better options in this situation:
- Visit a branch teller — branch cash withdrawals typically don’t count against your ATM limit and can be much larger (bring photo ID; call ahead for amounts over $10,000)
- Call Wells Fargo and request a temporary limit increase — many banks will raise your limit to $2,500–$5,000 for a documented one-time need
- Ask the seller to accept a cashier’s check — the safest option for large private transactions anyway
Branch teller withdrawals over $10,000 require the bank to file a Currency Transaction Report (CTR) with FinCEN — this is routine and not something to worry about if the money is legitimately yours.
ATM Limit vs. Daily Debit Spending Limit
These are not the same thing, and confusing them is one of the most common reasons people think their card was declined incorrectly.
| Limit Type | What It Covers | Typical Daily Range |
|---|---|---|
| ATM withdrawal limit | Cash from ATM machines only | $300 – $3,000 |
| Daily debit spending limit | In-store and online purchases | $2,500 – $10,000 |
| Combined daily limit | Some banks apply one cap to both | Varies by bank |
Chase, for example, tracks ATM withdrawals and debit purchases separately. Wells Fargo applies a combined daily limit on some account types. If you’re not sure which applies to your account, call the number on the back of your card and ask specifically: “Are my ATM and debit spending limits separate or combined?”
How to Increase Your ATM Limit
Temporary and permanent limit increases are available at almost every major bank. Most people don’t ask because they don’t realize it’s an option.
Temporary increase (most common): Call the number on the back of your card, explain what you need the cash for (travel, vehicle purchase, home repair), and give a date range. Banks typically approve these in under 10 minutes and will set the limit back automatically after the time period ends.
Permanent increase: Usually requires a branch visit or written request. Banks consider your account age, average balance, and overall banking relationship. Upgrading to a premium account tier is the fastest path to a permanently higher limit.
| Method | Speed | Best For |
|---|---|---|
| Call bank’s customer service | Same day | One-time large withdrawal |
| Mobile app request | Same day (select banks) | Quick temporary increase |
| Branch visit | Same day | Permanent increase, large needs |
| Account upgrade | 1–2 business days | Ongoing higher limit |
| Switch to Schwab or Fidelity | Days (account opening) | Unlimited, long-term solution |
For tips on avoiding fees during this process, see our guide to how to avoid ATM fees.
When ATM Limits Still Aren’t Enough
If you regularly need more cash than any ATM limit provides, here are the better alternatives:
| Option | Best For | Notes |
|---|---|---|
| Branch teller withdrawal | Large one-time cash needs | No practical limit; ID required |
| Cashier’s check | Payments requiring guaranteed funds | Available at any branch |
| Wire transfer | Sending large amounts electronically | Fees typically $15–$35 |
| Account upgrade | Ongoing higher limit needs | Usually raises limit 2–3x |
| Switch to Schwab / Fidelity | Frequent travelers; unlimited access | No ATM limit, global fee reimbursement |
Why Your Limit May Be Lower Than Listed
The figures in this guide are the typical ranges banks publish. Your personal limit may be lower for a few reasons:
- New account — most banks start new customers at the bottom of their limit range, often $300–$500, and raise it over 6–12 months
- Low average balance — some banks tie limits to your average monthly balance
- Account flags — unusual activity or overdraft history can trigger temporary limit reductions
- Account type — basic or student accounts have lower limits than standard checking
If your limit seems lower than it should be, call your bank and ask them to review it. A long-standing customer with a healthy balance almost always qualifies for a higher limit — they just haven’t asked. You can also compare what features you’re getting against the best checking accounts available right now.
Bottom Line
For most people, a $500–$1,000 daily ATM limit is more than enough for everyday needs. If you travel frequently, make large cash purchases, or find yourself hitting the limit regularly, the two best long-term solutions are:
- Upgrade your account tier at your current bank — this is the fastest path if you want to stay where you are
- Switch to Charles Schwab or Fidelity — both offer unlimited ATM access worldwide with full fee reimbursement and no minimum balance requirements
To find your exact current limit: open your bank’s app and look under account settings or debit card controls, or call the number on the back of your card and ask directly.
To avoid paying fees while you’re at it, see our guide to how to avoid bank fees.
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