Truist Bank’s daily ATM withdrawal limit is $500 for standard accounts and up to $2,000 for Wealth and Premier Banking clients. Truist was formed in 2019 by the merger of SunTrust Banks and BB&T — completing full technology integration in 2023 — and is now the seventh-largest U.S. bank by assets. If your limit feels low, a same-day temporary increase is available by calling 1-844-487-8478, and teller withdrawals at any Truist branch have no daily ATM cap.
Truist ATM Withdrawal Limits by Account Type
Truist sets ATM limits based on account tier, not individual negotiation. Standard accounts all fall in the $500–$1,000 range; premium relationship accounts go higher.
| Account | Daily ATM Withdrawal Limit |
|---|---|
| Truist One Checking (new accounts) | $500 |
| Truist One Checking (established, 12+ months) | $500–$1,000 |
| Truist Bright Checking | $500–$1,000 |
| Truist Confidence Account | $500 |
| Truist Wealth | Up to $2,000 |
| Truist Premier Banking | Up to $2,000+ |
All limits reset at midnight Eastern Time. If you need cash beyond your daily limit before the reset, a Truist branch teller withdrawal is the fastest option — teller withdrawals are not subject to the ATM daily cap. For a full side-by-side comparison of ATM limits across all major banks, see ATM withdrawal limits by bank.
Truist ATM Network and Fees
Truist operates roughly 3,000 branded ATMs concentrated in the Southeast and Mid-Atlantic (Virginia, North Carolina, South Carolina, Georgia, Florida, Maryland, Tennessee). Outside that region or at non-Truist ATMs, fees apply for standard accounts.
| ATM Situation | Fee |
|---|---|
| Truist branded ATM | Free |
| Non-Truist ATM — standard accounts | $3.00 per transaction |
| Non-Truist ATM — Premier Banking | Reimbursed |
| International ATM | $5.00 + exchange rate |
The non-Truist ATM fee of $3.00 is on the higher side compared to some peers. If you regularly use non-Truist ATMs, see best banks with no ATM fees and best online banks — several online banks (Ally, Schwab) reimburse all ATM fees nationwide with no monthly minimum balance required.
To find your nearest fee-free Truist ATM: open the Truist mobile app → ATM Locator, or visit truist.com/locate.
Former SunTrust and BB&T Customers
Truist completed the merger of SunTrust Banks and BB&T in 2019 and finished the full technology and account migration in 2023. Here’s what that means for ATM limits:
- All former SunTrust and BB&T accounts were converted to Truist equivalents during migration
- ATM limits were aligned to Truist’s standard tiers — if your former BB&T or SunTrust limit was higher (for example, a Premier account with a $2,000 limit), your Truist equivalent should carry the same tier
- If your limit appears lower than your previous bank’s limit, call 1-844-487-8478 to request a review — Truist can often restore prior limit levels for established long-term customers with clean account history
- Former BB&T Visa debit card users may have different physical card limits than former SunTrust Visa debit users — ask your branch or call to confirm your specific card’s current limit
How to Find Your Truist ATM Limit
Four ways to check your current limit:
- Truist Mobile App — tap your account → Card settings → Spending limits
- Truist Online Banking — Account overview → Manage card → Spending limits
- Call 1-844-487-8478 — customer service can confirm your limit and process an increase in one call
- Visit a Truist branch — a banker can confirm your limit and submit a permanent increase request on the spot
How to Increase Your Truist ATM Limit
Temporary Increase (Same-Day)
Call 1-844-487-8478 with:
- Your specific reason (travel, large purchase, emergency)
- The dates you need the higher limit
- The exact amount requested
Be specific: “I’m traveling to Vegas this weekend and need to withdraw $1,200 on Saturday” is far more effective than a vague request. Temporary increases are typically approved immediately for accounts in good standing and are effective within a few hours. For a detailed walkthrough of how to request limit increases across all banks, see how to increase mobile deposit limit — the same approach applies to ATM limits.
Permanent Increase
Options for a lasting higher limit:
- Upgrade to Truist Wealth or Premier Banking — standard limits automatically rise to $2,000+
- Build account history — accounts with 12+ months of history, consistent positive balances, and no overdrafts are more likely to receive permanent increases when requested
- Maintain higher average daily balances — relationship tiers at Truist are balance-driven
Branch Withdrawal (No Limit)
For a one-time large cash need, visiting a Truist branch is often faster than requesting an increase. Teller withdrawals have no daily ATM-style cap. Bring government-issued ID. Withdrawals over $10,000 trigger a Currency Transaction Report (CTR), which the bank files automatically — it’s standard regulatory procedure, not a problem for legitimate withdrawals.
Truist One Checking: Tier Structure
Truist One Checking is Truist’s primary checking product with tiered benefits based on monthly qualifying deposits or maintained balances:
| Tier Level | Monthly Deposit Requirement | Key Benefit |
|---|---|---|
| Basic | Any | Standard ATM limits, standard fees |
| Level 3 | $2,000+ direct deposit/month | Reduced or waived monthly fee |
| Level 5 | $5,000+ direct deposit/month | Enhanced relationship benefits |
Higher tiers don’t automatically increase ATM limits beyond the standard range, but they do improve your standing when requesting a permanent increase from customer service. For a comparison of monthly maintenance fees across banks, see monthly maintenance fees by bank and how to avoid bank fees.
Truist vs. Other Major Banks: ATM Limit Comparison
| Bank | Standard Daily ATM Limit | Premium Limit |
|---|---|---|
| Truist | $500–$1,000 | Up to $2,000 (Premier) |
| Bank of America | $1,000 | Higher (Preferred Rewards) |
| Wells Fargo | $300–$1,000 | Higher (Portfolio) |
| TD Bank | $750–$1,000 | Higher (Premier) |
| Regions Bank | $500–$1,000 | Varies |
| Fifth Third Bank | $500–$1,000 | Varies |
| Capital One 360 | $1,000 | $1,000 (all accounts) |
| Ally Bank | $1,000 | $1,000 (all accounts) |
Truist’s standard $500–$1,000 is in line with Southeast regional peers. The $2,000 Premier cap is competitive with Citi Priority and Chase Premier Plus. If higher ATM limits are a consistent priority, Capital One 360 and Ally Bank both offer $1,000 standard limits with no monthly maintenance fee and nationwide ATM fee reimbursement. For a deeper look at bank fee structures side by side, see bank fees comparison and best free checking accounts.
For more on Truist and banking options generally, see ATM withdrawal limits by bank, best banks with no ATM fees, overdraft fees by bank, best checking accounts, biggest banks in America, and banking basics.
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