The answer to this question varies depending on a number of factors. Don’t worry, we’ve uncovered these factors for you so you know how to withdraw the cash you need.

In This Article

How Much Can You Withdraw from an ATM?

This depends on your bank. Banks usually impose a restriction per withdrawal (and/or per day). This withdrawal limit changes from bank to bank and even customer to customer. Please note that if your bank limit varies based on your account, you’ll get a letter in the mail with your debit card that tells you how much you can withdraw per day. If you lose this letter, you can always contact your bank with the contact information we’ve listed below.

1. Ally Bank

2. Bank of America

  • Limit: Limits vary based on your account. By default at Bank of America ATMs, personal checking accounts can withdraw a maximum of 40 bills at a time (if the ATM dispenses $20 bills, that’s an $800 limit).
  • Contact: To increase or decrease your ATM withdrawal limit, call (800) 432-1000, go to a Bank of America branch, or sign in to Online Banking, go to the Information & Services tab, and click on activate your card & set spending limits.
  • Source: Bank of America FAQs: ATMs
  • Find a nearby Bank of America ATM

3. CapitalOne

4. Charles Schwab

5. Chase

  • Limit: Varies based on your account.
  • Contact: Call (800) 935-9935 to check how much money you can take out of an ATM.
  • Source: Customer service
  • Find a nearby Chase ATM

6. Citi

  • Limit: Varies based on your account.
  • Contact: If you want to know or change your withdrawal limit, call (800) 374-9700.
  • Source: Customer service
  • Find a nearby Citi ATM

7. Citizens Bank

8. Discover

9. HSBC

10. SunTrust Bank

11. TD Bank

12. Wells Fargo

How Do You Increase the ATM Withdrawal Limit?

If you need to make a big purchase and withdraw more money than your bank allows, you can usually get your bank to temporarily increase your ATM withdrawal limit. All you need to do is call. How much of an increase you get will depend upon your individual circumstances, but your increase will be applied instantly.

Let’s say you need to withdraw $1,000 but your bank only lets you withdraw $500 per day and you don’t realize this until you get to the ATM. While you’re at the ATM, you can call your bank, ask for a limit increase, and probably be able to withdraw the full $1,000 within minutes. This increase is usually only temporary, but it will last long enough for you to withdraw the emergency cash you need.

Alternative Ways to Withdraw Cash

ATM limits reset at 12 a.m. every day. This means if you have some extra days until you need the money, you can just make multiple trips to the ATM and withdraw the maximum each day. But, if this isn’t for you, here are plenty of other ways of getting around withdrawal limits.

Get a Cash Advance

Use your debit card to get a cash advance from a teller at any bank. It’s a bit like the above method of withdrawing in person, except you can go to any bank. However, keep in mind that banks charge for this service, which makes it more expensive than withdrawing money from your own bank. Bank of America charges 4 percent of your transaction or $10, whichever is greater. Chase charges 5 percent of your transaction or $10, whichever is greater. There are limits on cash advances but they’re usually higher than ATM withdrawal limits — and you can use the two together.

Get Cash Back

Getting cash back from stores is an easy way to bypass ATM withdrawal limits. Simply buy something and ask for cash back. Your debit card will be charged the total of your purchase, plus the cash you receive.

Some stores may have an upper limit to how much cash back you can receive and how many times you can do it in one day. Remind you of ATM max withdrawal limits? Don’t worry — if you’ve maxed out at one store, simply go to another store. Repeat the process until you have what you need. This isn’t the quickest or easiest solution, but if you’re in a pinch, it will do the trick. See our article for a detailed list of stores that offer cash back.

Go to Your Bank

You can withdraw as much as you’d like from inside your bank — empty your whole account if you please. (If you’ll be withdrawing a large sum of cash — above $10,000 in most cases — you’ll generally need to submit 24 hours advance notice to your bank to ensure that the branch has enough funds on hand. Contact your financial institution for bank-specific policies on large withdrawals.) Obviously, this method does restrict you to bank hours. But, if you want to bypass the ATM cash withdrawal limit, this is an easy way of doing so.

Pay to the Order of: Cash

Still have a checkbook? You can get cash by writing a check from yourself, to yourself. In the “To” field, just write “Pay to the Order of: Cash.” Bring the check to any place that will cash a check, and they’ll hand you cash.

In Summary

Unfortunately, there is no quick answer for the maximum amount of cash you can withdraw from an ATM. ATM withdrawal limits vary from bank to bank and even customer to customer. If you need more money than your withdrawal limit allows, just call your bank, ask them to raise your daily withdrawal limit, and then go to an ATM.

Need more money? Read these articles about over-drafting: How to Overdraft at an ATM and How Much Can I Overdraft My Checking Account? The Answer…