Need to withdraw a large sum of cash for a purchase, trip, or business expense? Not all ATMs can handle high withdrawal requests — and some banks cap daily limits as low as $500. Fortunately, several institutions operate high-limit ATMs that allow larger transactions safely and efficiently. Here’s what to know and where to find them.
What Are High-Limit ATMs?
A high-limit ATM allows customers to withdraw more than standard daily limits — often between $1,000 and $5,000 per day. These machines are typically located in high-traffic financial centers, airports, or premium banking branches. They’re designed to provide convenience for business owners, travelers, and customers with premium checking or private banking accounts.
- Standard ATMs: $300–$1,000 daily limit
- High-limit ATMs: $2,000–$5,000 daily limit
- Private-client machines: Up to $10,000 (bank approval required)
Banks Known for High ATM Withdrawal Limits
Each bank sets its own maximum daily withdrawal amount, and certain accounts qualify for higher limits. Below are examples of major banks offering generous ATM limits or specialized machines for larger cash withdrawals:
- Chase Bank: Up to $3,000 for Private Client members; $1,000–$2,000 for standard accounts.
- Wells Fargo: Typically $2,500 per day with upgrades for premium accounts.
- Bank of America: Select locations allow up to $2,500 in a single transaction.
- PNC and Capital One: $2,000 daily limit for most checking customers.
- Navy Federal Credit Union: Offers up to $3,000 per day for eligible accounts.
For detailed breakdowns by institution, visit our guide to the best banks with high ATM withdrawal limits.
How to Find High-Limit ATMs Near You
- Use your bank’s ATM locator: Search for “high-limit” or “large withdrawal” filters when available.
- Visit main branches: Many city-center locations feature upgraded cash dispensers.
- Call ahead: Bank tellers can confirm which machines offer higher withdrawal caps.
- Split withdrawals: For limits under $1,000, perform multiple transactions if allowed.
Safety Tips for Large Withdrawals
- Withdraw during daylight hours or inside secure bank lobbies.
- Use drive-thru ATMs if withdrawing alone.
- Never count cash outside the ATM — step into your vehicle or a secure area first.
- Consider using a cashier’s check for amounts over $10,000 to comply with reporting limits.
Daily Limit Exceptions
If your bank limits you to $500–$1,000 per day, you can often request a temporary increase through your mobile banking app or customer service. Many financial institutions allow short-term limit raises for major purchases, travel, or emergencies.
Alternatives to Withdrawing Large Cash Amounts
- Cashier’s Checks: Ideal for vehicle or property purchases.
- Money Orders: Secure for moderate sums.
- Wire Transfers: Best for large domestic or international payments.
- Bank Drafts: Safer than carrying thousands in cash.
Are High-Limit ATMs Safe?
Yes — as long as you take precautions. High-limit machines are often inside secure facilities with camera monitoring and fraud-detection systems. Always ensure your transaction finishes completely before leaving the machine, and keep receipts private.
Final Thoughts
High-limit ATMs give you more flexibility when you need access to larger amounts of cash quickly. Whether you’re a business owner, traveler, or simply need funds for a purchase, knowing where to find these machines can save time and reduce fees. To compare specific banks and limits, check our complete list of banks with high ATM withdrawal limits.