The standard Bank of America ATM withdrawal limit is $1,000 per day, with a maximum of 60 bills dispensed in a single transaction. If you set up a cash withdrawal in advance in the Mobile Banking app, the maximum is $800. Your personal limit can be higher or lower than the standard, Bank of America sets it based on your card and account type, and you can adjust it yourself in the app or in Online Banking.
This guide covers the official numbers, why your limit may differ, four ways to change it, how debit cards and ATM-only cards are treated, what to do when you need more than $1,000 in cash, and the ATM fees that apply at Bank of America and non-Bank of America machines.
Bank of America ATM withdrawal limits at a glance
| Limit | Amount |
|---|---|
| Standard daily ATM cash withdrawal | $1,000 per day |
| Maximum bills dispensed in one transaction | 60 bills |
| Cash withdrawal set up in advance in the Mobile Banking app | $800 maximum |
| Withdrawal at a teller inside a financial center | Not subject to the ATM limit (limited by your available balance) |
| Can the daily limit be changed? | Yes, in the Mobile Banking app or Online Banking, by phone, or at a financial center |
Source: Bank of America ATM customer service FAQ and bankofamerica.com, self-service ATMs. Last verified: July 2026.
Why your limit may be different from $1,000
Bank of America states that the amount you can withdraw from an ATM depends on several factors: the limits set for your card or account type, the availability of funds in your account at the time of the withdrawal, and in some cases the amount the ATM itself is capable of dispensing. So $1,000 is the standard ceiling, but the number attached to your specific card can differ, check yours in the Mobile Banking app under Manage Debit/Credit Card.
The 60-bill cap is a mechanical limit of the machine, and it interacts with bill denominations. If an ATM dispenses only $20 bills, 60 bills would be $1,200, so the $1,000 dollar cap is what stops you first. If you request smaller bills where available, the 60-bill cap can kick in before the dollar cap does.
How to increase your Bank of America ATM withdrawal limit
There are four official ways to raise (or lower) your daily ATM withdrawal limit:
- Mobile Banking app: select Menu, then Manage Debit/Credit Card. Make sure your debit card is unlocked, then choose Set Limits.
- Online Banking: go to the Information & Services tab for your account, then select “Set daily purchase and ATM withdrawal limits”.
- By phone: call the customer service number on the back of your card and ask for a limit change.
- In person: visit any Bank of America financial center near you and ask a banker to adjust the limit.
You can set any amount within the range Bank of America allows for your account type. Lowering your limit is also a common fraud-protection move, a stolen card can only drain up to the daily cap you set.
Debit card vs ATM-only card: which limits apply
Bank of America issues two kinds of cards that work at its ATMs:
- Debit card: has two separate daily limits, one for ATM cash withdrawals and one for purchases. Getting cash back at a store register is processed as a purchase, so it draws from your purchase limit, not your ATM limit. That makes cash back at checkout a practical way to get extra cash on a day you have already hit the ATM cap.
- ATM card: some accounts come with an ATM-only card that cannot make purchases. It has just the daily ATM withdrawal limit.
Both card types can be managed from the Mobile Banking app, and both work at any Bank of America ATM for withdrawals, deposits, transfers, and balance inquiries at no fee.
Need more than $1,000 in cash? Your options
- Raise your limit first: bump the daily ATM limit in the app before you head to the machine, then set it back afterward.
- Go inside to a teller: withdrawals at the counter of a financial center are not subject to the ATM limit, only to your available balance. Bring your card and a photo ID. For very large cash amounts, it is smart to call the financial center ahead, branches keep limited cash on hand.
- Use cash back at checkout: it counts against your debit purchase limit rather than the ATM limit.
- Split the withdrawal across days: the limit is per day, so $1,000 today and $1,000 tomorrow needs no special arrangement.
Bank of America ATM fees
| Where you withdraw | Fee |
|---|---|
| Bank of America ATM | Free (withdrawals, deposits, transfers, balance inquiries) |
| Non-Bank of America ATM in the U.S. | $2.50 per transaction, plus any fee the ATM operator charges |
| ATM outside the U.S. | $5 per withdrawal or transfer, plus 3% of the amount for withdrawals in foreign currency, plus any operator fee |
| Preferred Rewards Platinum tier | One non-BofA withdrawal and one transfer per statement cycle with the $2.50 fee waived and the operator fee refunded |
| Preferred Rewards Platinum Honors tier and above | Unlimited non-BofA ATM fee waivers and operator fee refunds in the U.S. and U.S. territories |
Source: Bank of America Personal Schedule of Fees and ATM fees FAQ. Last verified: July 2026.
The simplest way to pay nothing: withdraw at Bank of America’s own machines. Use our Bank of America ATM near me guide to find the closest one, or the general ATM near me page if you also want surcharge-free network options for other banks.
Frequently asked questions
What is the Bank of America ATM withdrawal limit?
The standard limit is $1,000 per day, with a maximum of 60 bills dispensed in a single transaction. Limits are set per card and account type, so yours may differ, check it in the Mobile Banking app under Manage Debit/Credit Card.
How do I increase my Bank of America ATM withdrawal limit?
Four ways: in the Mobile Banking app (Menu, Manage Debit/Credit Card, Set Limits), in Online Banking (Information & Services tab, Set daily purchase and ATM withdrawal limits), by calling the number on the back of your card, or at any financial center.
Can I withdraw $2,000 or $5,000 from a Bank of America ATM?
Not on the standard settings, the default cap is $1,000 per day. You can request a higher limit in the app or Online Banking, or withdraw larger amounts at a teller inside a financial center, where the ATM limit does not apply.
What is the ATM withdrawal limit in the Bank of America mobile app?
When you set up a cash withdrawal in advance in the Mobile Banking app, the maximum is $800. A regular card withdrawal at the machine follows your normal daily limit, up to $1,000 standard.
How much cash can I withdraw at a Bank of America teller?
Teller withdrawals are not subject to the ATM limit, you are limited by your available balance. For very large cash amounts, call the financial center ahead of time, branches keep limited cash on hand and may need notice.
What time does the Bank of America ATM limit reset?
Bank of America does not publish an official reset time. The limit is a daily limit, so if you have hit the cap, plan on the withdrawal working again the next day, or raise the limit in the Mobile Banking app instead of waiting.
Does Bank of America charge a fee to use an ATM?
Bank of America ATMs are free for BofA customers for withdrawals, deposits, transfers, and balance checks. Non-Bank of America ATMs in the U.S. cost $2.50 per transaction plus whatever the ATM operator charges. Outside the U.S. it is $5 per withdrawal plus 3% of the amount for foreign currency withdrawals.
Is there a withdrawal limit at non-Bank of America ATMs?
Your daily Bank of America limit still applies, and the ATM operator usually enforces its own per-transaction cap as well, often lower than your daily limit, so you may need multiple transactions (each with its own fees).
For more banking guides
- ATM Withdrawal Limits by Bank, daily maximums at 8 major banks, compared side by side
- ATM Fees by Bank, out-of-network costs compared and the surcharge-free networks
- Bank of America ATM Deposit, the 8 p.m. cutoff, immediate cash availability, check holds, and funds availability rules
- Bank of America Near Me, branch locations, hours, customer service, and state-by-state coverage
- Bank of America ATM Near Me, how to find fee-free BofA ATMs, including drive-up and 24-hour machines
- ATM Near Me, find ATMs for any bank, plus surcharge-free network options
- Banks Open Now Near Me, the right-now lookup matrix by day-of-week and time-of-day
- Banks Near Me homepage, a directory of 80+ U.S., U.K., and international banks