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.
Bank of America ATM Limits by Account and Tier
Your ATM withdrawal limit at Bank of America depends on two things: which checking account you have and whether you’re enrolled in Preferred Rewards. The tiers below represent typical limits — BofA can set individual limits higher based on your 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 |
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.
Bank of America ATM Limits by Account and Tier
Your ATM withdrawal limit at Bank of America depends on two things: which checking account you have and whether you’re enrolled in Preferred Rewards. The tiers below represent typical limits — BofA can set individual limits higher based on your 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. Your current ATM limit is displayed there.
ATM Limit vs. Debit Card Purchase Limit — Key Difference
This is the most misunderstood aspect of BofA withdrawal limits. Your ATM limit and your debit card purchase limit are completely separate.
| 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 | — |
Practical example: If you spend $900 at a car dealership on your debit card, you can still withdraw $1,000 in cash from an ATM that same day. The two pools don’t cross. The exception is cash back at a retailer — that does count toward your ATM limit.
If you need to know your debit card purchase limit specifically, call 800-432-1000 or check the app — purchase limits vary more by individual account than ATM limits do.
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 distinction 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. The fees only apply when you go outside the BofA 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 applies on top of whatever exchange rate BofA uses, making international withdrawals meaningfully more expensive than using a travel-friendly bank like Charles Schwab. If you travel internationally more than once a year, this fee structure is worth factoring into your bank choice.
The Bank of America fees guide covers all account fees in full, including how Preferred Rewards status eliminates several charges entirely.
How to Increase Your Bank of America ATM Limit
Option 1: Call for a Temporary Increase
The fastest method. 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 — you don’t need to call back to reset it.
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
Not all accounts have this option — if you don’t see it, call instead.
Option 3: Build Preferred Rewards Tier Status
The most durable solution for recurring higher needs. Preferred Rewards is based on your combined 3-month average balance across BofA deposit accounts and Merrill investment accounts.
| 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 accounts count toward your balance even if the money is invested — a $100,000 Merrill brokerage account gets you Platinum Honors benefits without needing $100K in cash deposits.
Option 4: Visit a Branch for a Teller Withdrawal
If you need a large amount of cash today and can’t wait for an approval, a branch teller withdrawal bypasses the ATM limit entirely. Teller withdrawals are not capped the same way — for amounts over $10,000, federal currency transaction reporting applies but there’s no bank-imposed daily limit in the same sense. Bring government-issued photo ID. Most Bank of America financial centers are open Monday–Friday 9 AM–5 PM and Saturday 9 AM–1 PM, closed Sundays.
What Happens When You Hit Your ATM Limit
When you’ve reached your $1,000 daily limit, the ATM will decline your withdrawal with a message like “daily withdrawal limit reached” or “transaction not approved.” 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 (no ATM limit applies)
- Use Zelle or a transfer — send money to someone who can get cash for you
- Use a cashier’s check — for large payments like rent or a car purchase, a cashier’s check is often better than cash anyway
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’s starting limit is lower ($500 for many accounts), while Citi skews slightly higher for some account types. The key differentiator is BofA’s Preferred Rewards program, which offers a structured path to higher limits without needing to call and negotiate — unlike Chase or Wells Fargo, where limit increases are more discretionary.
Bottom Line
For most BofA customers, the $1,000 daily ATM limit is enough for routine use. When you need more:
- Today: Go to any BofA branch for a teller withdrawal — no ATM limit applies
- Planned travel 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
Remember that your ATM limit and debit card purchase limit are separate — hitting your ATM cap doesn’t block your card for purchases. And if you’re regularly paying the $2.50 non-BofA ATM fee, Preferred Rewards Gold status eliminates that charge entirely.
For everything else about your Bank of America account, see the Bank of America complete guide.
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