Citizens Bank’s standard daily ATM withdrawal limit is $500. Citizens operates ~3,300 branded ATMs and participates in the Allpoint network (55,000+). OON withdrawals cost $3.00 plus any operator surcharge.
Citizens Bank ATM Details
| Detail | Amount |
|---|---|
| Standard daily ATM limit | $500 |
| Daily debit purchase limit | ~$3,000 |
| Citizens-owned ATMs | ~3,300 |
| Allpoint network ATMs | 55,000+ |
| In-network fee | $0 |
| OON fee (Citizens charges) | $3.00 |
| OON operator surcharge | $2.50–$4.00 additional |
Fee-Free ATM Locations
Citizens-branded (~3,300): Branch locations in 14 states — strongest in the Northeast (RI, MA, CT, NY, NJ, PA). Use citizensbank.com/branch-atm-locator.
Allpoint network (55,000+): CVS, Walgreens, Rite Aid, Target, Costco, Kroger. Find via allpointnetwork.com or the Citizens mobile app.
How to Increase Your Citizens ATM Limit
- Call 1-800-922-9999 (Mon–Fri 7AM–10PM ET; Sat–Sun 9AM–7PM ET)
- Request a temporary (24–48 hour) or permanent increase
- Citizens Quest Checking customers may carry higher default limits
ATM Limit Comparison
| Bank | Daily ATM Limit | OON Fee |
|---|---|---|
| Citizens | $500 | $3.00 |
| TD Bank | $1,000 | $3.00 |
| Fifth Third | $810 | $3.50 |
| Regions | $808 | $3.00 |
| Chase | $500–$3,000 | $3.00 |
| Huntington | $400 | $3.50 |
Citizens’ $500 limit is adequate for most daily needs. TD Bank’s default $1,000 limit is higher for cash-heavy users.
Related Guides
- Citizens Bank fees 2026 — $9.99/month, overdraft, wire fees
- Citizens Bank transfer limit 2026 — Zelle, ACH, wire
- Citizens Bank hours 2026 — branch and phone hours
- Citizens Bank vs TD Bank 2026 — ATM comparison
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