Citi (Citibank) daily ATM limits start at $1,000 — higher than many competitors at the standard tier — and scale up to $5,000 for Citigold clients.
See the full Citi banking guide for fees, routing numbers, and minimum balance details.
Citi ATM Withdrawal Limits by Account
| Citi Account | Daily ATM Withdrawal Limit |
|---|---|
| Access Account | $1,000 |
| Regular Checking | $1,000–$2,000 |
| Citi Priority | Up to $2,000 |
| Citigold | Up to $5,000 |
| Citigold Private Client | $5,000+ (by arrangement) |
Citi ATM Network
Citi has approximately 2,300 ATMs in the U.S. — far fewer than Chase (16,000) or BofA (15,000). However, Citi accounts can access:
| ATM Network | Coverage |
|---|---|
| Citibank branded ATMs | ~2,300 nationwide |
| Allpoint network | 65,000+ fee-free ATMs |
| 7-Eleven ATMs | Fee-free for Citi customers |
Use the Citi mobile app or website to find fee-free ATMs.
ATM Fees at Non-Citi ATMs
| Account | Non-Citi ATM Fee |
|---|---|
| Access Account | $2.50/transaction |
| Regular Checking | $2.50/transaction |
| Citi Priority | $0 (fee waived) |
| Citigold | $0 (unlimited reimbursement) |
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 1-800-374-9700
- Visit a Citibank branch
How to Increase Your Citi ATM Limit
Temporary Increase
Call 1-800-374-9700 with your reason for the increase. Citi typically approves temporary limit increases for:
- International travel
- Large planned purchases (car, home repairs)
- Emergency cash needs
Permanent Increase Options
- Upgrade to Citi Priority (requires $30,000+ average monthly balance)
- Upgrade to Citigold (requires $200,000+ average monthly balance)
- Request a review based on account history
Branch Withdrawal
Visiting a Citibank branch for a teller withdrawal bypasses ATM limits entirely. Bring valid ID. For amounts over $10,000, call ahead.
Citi Priority vs. Citigold: Benefits Worth Knowing
| Feature | Regular | Citi Priority | Citigold |
|---|---|---|---|
| ATM limit | $1,000–$2,000 | Up to $2,000 | Up to $5,000 |
| Non-Citi ATM fees | $2.50 | Waived | Reimbursed unlimited |
| Monthly fee | $12–$25 | $30 (waivable) | None |
| Minimum balance | None | $30,000 (to waive fee) | $200,000 |
Learn more about tier requirements in the Citi minimum balance guide.
When You Need More Than $2,000
| Situation | Best Option |
|---|---|
| Cash needed today | Branch teller withdrawal |
| International travel | Call for temporary increase + use Citigold if applicable |
| Large planned purchase | Electronic wire or cashier’s check |
| Frequent large cash needs | Upgrade to Citi Priority or Citigold |
Citi vs. Other Banks: ATM Limits
| Bank | Standard Daily ATM Limit |
|---|---|
| Citi | $1,000–$2,000 |
| Chase | $500–$1,000 |
| Bank of America | $1,000 |
| Wells Fargo | $300–$1,000 |
| Capital One 360 | $1,000 |
Citi’s standard limits are among the highest of major banks, and Citigold’s $5,000 limit leads all major bank standard tiers.
Bottom Line
Citi’s $1,000–$2,000 standard ATM limit is competitive. For the highest ATM access among traditional banks, Citigold (up to $5,000/day) is best-in-class — though the $200,000 balance requirement is significant. For everyday use, Citi’s Allpoint and 7-Eleven ATM partnerships provide strong fee-free coverage.
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