Joseph Cho
Banks often set daily ATM withdrawal limits to ensure that you don’t lose your entire balance if your debit card or identity is stolen. Typical ATM withdrawal limits range from a few hundred to thousands of dollars; you can see our related research for the exact ATM withdrawal limits by bank.
When you need to make a larger withdrawal, you can often bypass these limits by speaking to a bank teller directly. Most banks and credit unions have high limits or no limit at all for in-person withdrawals or combined daily withdrawals (via ATM, teller, and cash back). However, there are some restrictions.
Banks have a fixed amount of cash available every day. When you’re making a large withdrawal, it’s a good idea to call the branch ahead of time to specify when and how much you’ll be withdrawing. If the bank doesn’t have enough cash on hand, it will order a batch of bills to be shipped from the Federal Reserve. Additionally, any deposits and withdrawals over $10,000 need to be reported to the government; this helps prevent things like money laundering and fraud.[1] Be aware that a large withdrawal could trigger an investigation into your account if there is any suspicious activity.
Daily Withdrawal Limits by Bank
We contacted customer service representatives at each of the following banks and credit unions to confirm their total daily withdrawal limits (considering ATM and teller withdrawals as well as cash-back transactions). Where possible, we also detail how to request a withdrawal limit increase.
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Alaska USA Credit Union
- Limit: None
- Find a location
Alliant Credit Union
- Limit: $5,000 for standard account holders and $500 for non-account holders; request an increase by calling (800) 232-8669
- Find a location
Ally Bank
- Limit: None
- Find a location
America First Credit Union
- Limit: None
- Find a location
American Savings Bank
- Limit: None
- Find a location
Axos Bank
- Limit: None
- Axos Bank operates entirely online; find out more
Bank of America
- Limit: None
- Find a location
Bank of the West
- Limit: None
- Find a location
BB&T Bank
- Limit: None
- Find a location
Capital One
- Limit: $5,000; request an increase by calling (888) 810-4013
- Find a location
Charles Schwab
- Limit: $15,000 for debit card withdrawals; request an increase by calling (866) 855-9102
- Find a location
Chase
- Limit: None
- Find a location
CIT Bank
- Limit: None
- CIT Bank operates online only; find out more
Citibank
- Limit: None
- Find a location
Citizens Bank
- Limit: None
- Find a location
City National Corp
- Limit: $400; request an increase by calling (800) 773-7100
- Find a location
Discover Bank
- Limit: None
- Find a location
ESL Federal Credit Union
- Limit: None
- Find a location
E*Trade
- Limit: None
- Find a location
Fifth Third Bank
- Limit: None
- Find a location
First Technology Credit Union
- Limit: None
- Find a location
Golden 1 Credit Union
- Limit: None
- Find a location
Happy State Bank
- Limit: None
- Find a location
HSBC Bank
- Limit: None
- Find a location
Hudson Valley Credit Union
- Limit: None
- Find a location
Huntington Bank
- Limit: None
- Find a location
KeyBank
- Limit: None
- Find a location
Mountain America Credit Union
- Limit: None
- Find a location
M&T Bank
- Limit: None
- Find a location
Navy Federal Credit Union
- Limit: None
- Find a location
PenFed Credit Union
- Limit: None
- Find a location
PNC Bank
- Limit: None
- Find a location
Randolph-Brooks Credit Union
- Limit: None
- Find a location
Regions Financial
- Limit: None
- Find a location
Santander Bank
- Limit: None
- Find a location
SchoolsFirst Credit Union
- Limit: None
- Find a location
Security Service Federal Credit Union
- Limit: None
- Find a location
Star One Credit Union
- Limit: None
- Find a location
State Employees Credit Union
- Limit: None
- Find a location
State Street Bank
- Limit: None
- Find a location
Suncoast Credit Union
- Limit: None
- Find a location
SunTrust Bank
- Limit: None
- Find a location
Synovus Financial Corp
- Limit: None
- Find a location
TD Bank
- Limit: None
- Find a location
Union Bank
- Limit: None
- Find a location
United Nations Federal Credit Union
- Limit: None
- Find a location
U.S. Bank
- Limit: None
- Find a location
Vystar Credit Union
- Limit: None
- Find a location
Wells Fargo
- Limit: None
- Find a location
Wings Financial Credit Union
- Limit: None
- Find a location
Woodforest National Bank
- Limit: $810; request an increase by calling (877) 968-7962
- Find a location
Zion’s First National Bank
- Limit: None
- Find a location
William Lipovsky
Katie Spence
Cathy Desmet
Lindsey Desmet
Loren Eaton
