Bank of America is one of the largest banks in the U.S., with a nationwide ATM network and various account options. If you’re a customer, understanding your daily ATM withdrawal limit can help you plan your cash needs and avoid declined transactions. This guide explains Bank of America’s 2025 withdrawal limits, how to manage them, and what to do if you need access to more cash.
What Is the Bank of America ATM Withdrawal Limit in 2025?
Bank of America sets daily ATM withdrawal limits based on the type of account you hold and your customer profile.
- Standard Accounts: Most customers have a daily ATM withdrawal limit between $500 and $1,000
- Preferred Rewards Clients: May have access to higher limits depending on account status and balances
- Business or Premium Accounts: May qualify for $1,500+ daily limits
To check your exact limit, log into online banking or call customer service.
Factors That Affect Your Withdrawal Limit
Your daily withdrawal limit is determined by several factors:
- Account Type: Basic checking accounts often have lower limits than premium or business accounts
- Banking History: A strong account history or enrollment in Preferred Rewards may result in higher limits
- Debit Card Type: Enhanced or business debit cards may have larger built-in caps
- Security Flags: Limits may be reduced if recent suspicious activity is detected
How to Check Your Bank of America ATM Limit
You can find your current ATM limit through these methods:
- Online Banking: Log in at bankofamerica.com, go to your debit card or checking account settings
- Mobile App: Open the BofA app and tap your card, then “Manage Settings” or “Spending Limits”
- Customer Service: Call the number on the back of your card or visit a branch
Can You Increase Your Bank of America Withdrawal Limit?
Yes. You may be able to request a temporary or permanent limit increase based on your account standing.
How to Request a Higher Limit
- Call Customer Service to request a temporary or emergency increase
- Visit a Local Branch to discuss permanent adjustments
- Upgrade Your Account to a higher-tier checking account with built-in higher limits
- Enroll in Preferred Rewards, which may unlock higher cash access benefits
Tips for Maximizing ATM Withdrawals
- Withdraw the maximum each time if you need large amounts
- Use Bank of America ATMs to avoid fees and get full access to your daily limit
- Visit off-peak hours to avoid long lines and enhance security
- Set up transaction alerts in the app to monitor your account in real time
- Use digital payments when possible to reduce reliance on cash
Alternatives to ATM Withdrawals
If your daily cap isn’t enough, consider these other ways to access cash:
In-Branch Withdrawals
Visit a Bank of America branch during business hours to withdraw larger sums directly from a teller. You may be required to show ID and provide advance notice for amounts over $10,000.
Cash Back at Point of Sale
Many retailers allow you to get up to $100 cash back when making a debit card purchase. This doesn’t count toward your ATM limit.
Cash Advances
If you have a Bank of America credit card, you can request a cash advance. Be cautious—these typically come with high fees and interest rates.
Frequently Asked Questions
What is the daily ATM withdrawal limit at Bank of America?
Most accounts have a $500 to $1,000 per day limit, depending on account type and card.
Can I increase my ATM withdrawal limit?
Yes. You can request a higher limit through customer service or by visiting a branch.
When does the withdrawal limit reset?
Daily limits typically reset every 24 hours, usually at midnight local time.
Can I get more cash by visiting a branch?
Yes. There are no strict limits on in-branch withdrawals, but larger amounts may require notice or verification.
Does cash back count against my ATM limit?
No. Cash back at checkout does not count toward your ATM withdrawal limit.
Related Pages
- Chase ATM Withdrawal Limit
- How to Withdraw More Than the ATM Limit
- Capital One ATM Withdrawal Limit
- Can You Withdraw $50 from an ATM?
Final Thoughts
Bank of America’s ATM withdrawal limits are designed to balance convenience and account security. Whether your daily cap is $500 or $1,500, knowing how to check your limit—and how to increase it when needed—gives you control over your cash access. Explore in-branch services, cashback options, or digital payments to meet your financial needs with flexibility and confidence.