Banks Near Me
Find a bank open near you now

Truist ATM Withdrawal Limit

Last updated: July 9, 2026

Last updated: July 9, 2026

Truist publishes its ATM withdrawal limits in its official fee schedule, and they depend on your Truist One Checking level: $500 per day for Levels 1 and 2 (and most other accounts, including the Truist Confidence Account), $2,500 per day for Levels 3, 4, and Premier, and $5,000 per day for Truist Marquee Checking. Your level is set by your total relationship balance, so the limit rises automatically as your balances grow.

This guide covers the full limit table, how the levels work, the separate purchase limits, Truist’s ATM fees and its tiered fee-waiver ladder, and cardless access at Truist machines.

Truist ATM withdrawal limits by account

Account or cardDaily ATM withdrawal limitDaily purchase (point of sale) limit
Truist One Checking, Levels 1 and 2 (and all other standard accounts, including Truist Confidence Account)$500$3,000
Truist One Checking, Levels 3, 4, and Premier$2,500$3,000
Truist Marquee Checking$5,000$25,000
Truist ATM card (savings-linked, no purchases)$500$3,000 (PIN point of sale)
Truist Asset Management Account (AMA) debit$2,000$10,000
Truist Wealth Money Market debit$3,000$25,000

The Truist One levels are set by your total qualifying balances: Level 1 up to $9,999.99, Level 2 from $10,000, Level 3 from $25,000, Level 4 from $50,000, and Level Premier from $100,000.

Source: Truist Personal Deposit Accounts Fee Schedule (effective April 9, 2026). Last verified: July 2026.

How to raise your Truist ATM limit

  • Grow into a higher level: the jump from $500 to $2,500 happens at Level 3, which requires $25,000 in total qualifying balances. This is automatic, no request needed.
  • Call Truist at 844-4TRUIST (844-487-8478) to ask about a limit change for your card. Truist does not publish a self-service app setting for ATM limits; the app’s card controls cover spending limits, locking, and travel settings.
  • Use a teller: counter withdrawals at a Truist branch near you are limited by your balance, not the ATM cap. Call ahead for very large amounts.
  • Cash back at checkout draws from your $3,000 point of sale limit rather than the ATM cap.

Truist ATM fees and the waiver ladder

Where you withdrawFee
Truist ATMNo fee for withdrawals, balance inquiries, or transfers
Non-Truist ATM in the U.S.$3.00 per transaction ($2.50 on Truist Confidence accounts), plus any ATM operator fee
Non-Truist ATM outside the U.S.$5.00 per transaction, plus a 3% international service assessment on the amount, plus any operator fee

Truist One Checking waives these fees on a ladder that resets on the third business day of each month:

  • Level 1: no waivers
  • Level 2: 1 non-Truist domestic ATM fee waived plus 1 surcharge rebate (up to $3) per month
  • Level 3: 3 of each
  • Level 4: 5 of each
  • Level Premier: unlimited waivers and surcharge rebates (up to $3 each)
  • Truist Marquee: unlimited waivers including international fees, unlimited surcharge rebates with no cap, and no 3% international assessment

Source: truist.com Truist One disclosures and fees and the fee schedule PDF. Last verified: July 2026.

Cardless withdrawals at Truist ATMs

Many Truist ATMs support digital wallet access: add your Truist debit card to your phone’s wallet, look for the contactless symbol on the machine, hold your phone near the reader, enter your PIN, and take your cash. Truist runs more than 2,800 ATMs and over 1,900 branches across 17 states and Washington DC, so check for the contactless symbol, not every machine has the reader yet.

Frequently asked questions

What is the Truist ATM withdrawal limit?

Truist publishes it by account: $500 per day for Truist One Checking Levels 1 and 2 and most other accounts, $2,500 for Levels 3, 4, and Premier, and $5,000 for Truist Marquee Checking. The Truist ATM card is $500 per day.

How do I increase my Truist ATM withdrawal limit?

The published path is moving up a level: at $25,000 in total qualifying balances (Level 3) the daily limit jumps from $500 to $2,500. You can also call 844-4TRUIST to ask about your card, or use a teller for a one-time large withdrawal.

What are Truist One Checking levels?

Balance-based tiers that set your benefits, including ATM limits: Level 1 up to $9,999.99, Level 2 from $10,000, Level 3 from $25,000, Level 4 from $50,000, and Level Premier from $100,000 in total qualifying balances.

What is the Truist daily debit purchase limit?

$3,000 per day at point of sale for Truist One Checking at every level and the Confidence Account. Truist Marquee Checking gets $25,000 per day.

Does Truist charge a fee to use another bank’s ATM?

Yes: $3.00 per transaction at non-Truist ATMs in the U.S. ($2.50 for Truist Confidence accounts) and $5.00 abroad plus a 3% international assessment, plus operator fees. Levels 2 through Premier get 1 to unlimited monthly waivers and surcharge rebates.

Can I withdraw cash from a Truist ATM with my phone?

Yes, at many Truist ATMs. Add your Truist debit card to your digital wallet, hold your phone near the contactless symbol, enter your PIN, and complete the withdrawal. Look for the contactless symbol, not every machine has one.

What time does the Truist ATM limit reset?

Truist does not publish a reset time for the daily ATM limit. Treat it as a per-day cap. The fee-waiver counters are different, those reset on the third business day of each month.

How much cash can I withdraw at a Truist teller?

Teller withdrawals are not subject to the ATM limit, only your available balance. For very large amounts, call the branch ahead so they can have the cash ready.

For more banking guides