What is Ally Bank's ATM withdrawal limit?

Ally Bank's daily ATM withdrawal limit is $1,000 for most checking accounts. This limit applies across all ATMs — both Allpoint network ATMs and out-of-network machines. There is no monthly ATM withdrawal limit, so you can make multiple $1,000 withdrawals on different days.

Does Ally Bank charge ATM fees?

Ally Bank never charges its own ATM fees. Customers also get free access to 43,000+ Allpoint ATMs nationwide. For out-of-network ATMs, the ATM owner may charge a surcharge — but Ally reimburses up to $10 per month in those third-party fees automatically at the end of the billing cycle.

Can I increase my Ally Bank ATM withdrawal limit?

Yes, temporarily. You can call Ally Bank at 1-877-247-2559 (24/7) to request a temporary ATM limit increase for a specific date or event. Ally evaluates requests case by case and may increase the limit for customers with established account history.

Where can I find free ATMs for Ally Bank?

Ally Bank customers can use any of the 43,000+ Allpoint ATMs in the US at no charge. Find the nearest fee-free ATM using the Allpoint ATM locator at allpointnetwork.com or through the Ally mobile app. Allpoint ATMs are commonly located in Target, Walgreens, CVS, Costco, and many grocery chains.

Does Ally Bank have its own ATMs?

No. Ally Bank is online-only with no proprietary ATM network. All in-person cash access is through the 43,000+ Allpoint network ATMs (free for Ally customers) or any other ATM (up to $10/month reimbursement). This covers the vast majority of daily cash needs for most customers.

Ally Bank ATM Withdrawal Limit 2026: $1,000/Day + $10 Monthly Reimbursement

Ally Bank’s ATM withdrawal limit is $1,000 per day. Ally provides free access to 43,000+ Allpoint ATMs nationwide and reimburses up to $10 per month 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

Limit	Amount
Daily ATM withdrawal limit	$1,000
Monthly ATM withdrawal limit	None
Free ATM network	43,000+ Allpoint ATMs
Out-of-network ATM fee (Ally’s fee)	$0 (never charged)
Out-of-network fee reimbursement	Up to $10/month
International ATM fee	$0 (Ally’s portion); local surcharge may apply

Ally’s ATM Network: 43,000+ Fee-Free Machines

Ally Bank does not operate its own ATMs. Instead, it partners with the Allpoint network — the largest surcharge-free ATM network in the US with 43,000+ locations. 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 $10/Month Out-of-Network ATM Reimbursement

For any ATM outside the Allpoint network, the ATM owner may charge a surcharge (typically $2–$4). Ally automatically reimburses up to $10 per month 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
$10 covers approximately 3–4 out-of-network withdrawals per month at average surcharge rates
Customers who regularly exceed $10/month 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

Bank	Daily ATM Limit	Free ATMs	Out-of-Network Reimbursement
Ally	$1,000	43,000+ Allpoint	Up to $10/month
Chase	$500–$3,000	16,000+ proprietary	None
Bank of America	$1,000–$2,500	15,000+ proprietary	None
Capital One	$1,000	70,000+ (Allpoint + MoneyPass)	None
SoFi	$1,000	55,000+ (Allpoint + STAR)	None

Ally’s $1,000 daily limit is on par with Capital One and SoFi, and higher than Chase’s standard $500 limit. The $10/month 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 $1,000 in cash on a given day:

Call Ally at 1-877-247-2559 (24/7)
Request a temporary ATM limit increase for a specific date
Ally evaluates based on account age, history, and the amount requested
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 (up to $5,000/day)

International ATM Use

Ally Bank does not charge a foreign transaction fee on international debit card purchases or ATM withdrawals. However:

Ally’s charge: $0
Network conversion fee: May be applied by Visa/Mastercard (typically 1%)
Local ATM surcharge: The foreign ATM owner may charge a fee in local currency
Reimbursement: The $10/month reimbursement applies to domestic out-of-network fees; international fees may or may not qualify — confirm with Ally at 1-877-247-2559

For frequent international travelers, Ally’s no-foreign-transaction-fee debit card is one of the best options among online banks.

Ally Bank transfer limits 2026 — ACH up to $150,000/day, Zelle $5,000/day
Ally Bank fees 2026 — full fee schedule including the $10/month ATM reimbursement
Ally Bank routing number — 124003116, all states
Ally Bank customer service — 24/7 phone and chat

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.

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