Bank of America Cash Withdrawal Limit at the Counter Explained

Short Answer: Bank of America’s cash withdrawal limit at the counter is determined by your available account balance, the type of account you have, and how much cash your local branch has on hand. You’ll need to show a government-issued photo ID to make a withdrawal at the teller. If you want to withdraw your entire account balance and close your account, you’ll need to speak with a banking specialist. For more details on teller withdrawals at Bank of America, see below.

What Is the Bank of America Cash Withdrawal Limit at the Counter?

At the teller counter, Bank of America’s cash withdrawal limit is based on a few factors, including:

  • The funds available in your account
  • The type of account you have (some accounts have a minimum balance)
  • How much cash your local Bank of America has on hand (the branch may need to order the funds, which could take up to a week; it may also need to order large bills)

Keep in mind, the counter withdrawal policy differs from Bank of America’s ATM withdrawal limit, which is capped at 40 bills per transaction. While there isn’t a withdrawal limit at the counter, a Bank of America corporate customer service representative said large cash withdrawals may require advance notice, as disclosed to customers in their deposit agreement. We confirmed this information by contacting several Bank of America branches and speaking with bank employees.

For more on Bank of America’s services, see our articles on cashing a large check at Bank of America and Bank of America’s third-party check policy.

Account Balance Withdrawals at Bank of America

Since Bank of America does not have a set withdrawal limit at the counter, it may be possible to withdraw the entirety of your account balance. However, in order to close your account, you’ll need to make an appointment with a banking specialist. When closing your account, be sure to cancel any recurring transactions, such as direct deposits or scheduled payments, and wait for any outstanding transactions to clear before meeting with the personal banker.

Withdrawal Requirements at the Counter

To make a withdrawal at a Bank of America counter, you will need to fill out a withdrawal slip and show identification. The withdrawal strip will require you to fill in the date, your name, the account number you wish to withdraw from, and the amount you want to withdraw. Acceptable forms of ID include a driver’s license, state-issued photo ID card, passport, a U.S. Armed Services ID with a photo, or other government-issued photo ID.