Daily ATM Withdrawal Limits of 53 Banks and Credit Unions

William Lipovsky headshot William Lipovsky
Verified & Updated May 6, 2020

Banks and credit unions often set daily ATM withdrawal limits for security reasons. If your debit card or identity is stolen, the withdrawal limit ensures that the thief can’t empty your entire account in one day (unless your balance is lower than the limit). However, these limits can be inconvenient if you need to withdraw a large amount of cash. It’s a good idea to know your limit before attempting to withdraw a large amount.

Below, we list the daily withdrawal limits — plus how to increase your limit — at each of the 53 largest banks and credit unions in the U.S. We compiled this information by viewing each bank’s account disclosures online and contacting their customer service departments.

Alaska USA Credit Union

  • Limit: $505
  • Request an increase: Call (907) 563-4567 or (800) 525-9094
  • Find a location

Alliant Credit Union

  • Limit: $500 — unless you have ChexSystems record, which decreases your withdrawal limit to $200 per day
  • Request an increase: Call (800) 232-8669
  • Find a location

Ally Bank

America First Credit Union

American Savings Bank

  • Limit: $1,000, with a $300 maximum per transaction
  • Request an increase: You can change your withdrawal limit at the ATM directly. After you enter your PIN, select My Preferences.
  • Find a location

Axos Bank

  • Limit: $510 per day
  • Request an increase: Call (855) 232-2967
  • Axos Bank operates entirely online; find out more.

Bank of America

  • Limit: Usually forty bills per day; may vary depending on the type of account you have
  • Request an increase: Sign in to online banking and go to the Information and Services Tab. From there, you can activate your card and set spending limits. You can also visit a financial center and get the help of a bank teller.
  • Find a location

Bank of the West

  • Limit: $500
  • Request an increase: Upgrade your checking account to a West Premier Checking Account
  • Find a location

BB&T Bank

  • Limit: $500 or your available balance, whichever is less
  • Request an increase: Call (800) 226-5228
  • Find a location

BBVA

  • Limit: $600 per transaction, per day
  • Request an increase: Call (866) 534-4482
  • Find a location

Capital One

Charles Schwab

Chase

  • Limit: Varies by account.
  • Request an increase: Call (800) 935-9935
  • Find a location

CIT Bank

  • Limit: $500 per day
  • Request an increase: Call (855) 462-2652
  • CIT Bank operates online only; find out more.

Citibank

  • Limit: Varies by account
  • Request an increase: Call (800) 374-9700
  • Find a location

Citizens Bank

For more details on Citizens Bank’s limit, see our dedicated article.

City National Corp

Discover Bank

ESL Federal Credit Union

  • Limit: $600
  • Request an increase: The ATM withdrawal limit is hard-coded and cannot be increased.
  • Find a location

E*Trade

  • Limit: $1,000
  • Request an increase: Increases are only available if you upgrade your account.
  • Find a location

Fifth Third Bank

  • Limit: Varies by account
  • Request an increase: Call (800) 972-3030
  • Find a location

First Technology Credit Union

  • Limit: Varies by account
  • Request an increase: Call (855) 855-8805 (Note: Limit increases are only available for 24 hours.)
  • Find a location

Golden 1 Credit Union

  • Limit: $40 for members ages 13 to 15; $100 for members age 16 to 17; $250 for all others
  • Request an increase: Call (877) 465-3361
  • Find a location

Happy State Bank

HSBC Bank

  • Limit: $500 for regular customers and $1,000 for premium customers.
  • Request an increase: Call (800) 975-4722
  • Find a location

Hudson Valley Credit Union

  • Limit: $1,000 within the U.S. and $500 at foreign ATMs
  • Request an increase: You cannot increase your daily withdrawal limit.
  • Find a location

Huntington Bank

KeyBank

Mountain America Credit Union

  • Limit: $500
  • Request an increase: Fill out an increase application online
  • Find a location

M&T Bank

  • Limit: Varies by account. Check your Electronic Banking Card and Telephone Transaction Disclosure and Agreement to find your daily limit.
  • Request an increase: Call (800) 724-2440
  • Find a location

Navy Federal Credit Union

PenFed Credit Union

  • Limit: $1,000 for a standard debit card/ATM card, or $500 for an ATM Ltd. Card
  • Request an increase: If you have a limited access ATM card, upgrade to receive higher daily limits. Otherwise, call (800) 247-5626.
  • Find a location

PNC Bank

  • Limit: Varies by account type.
  • Request an increase: Increases are only available if you upgrade your account.
  • Find a location

Randolph-Brooks Credit Union

Regions Financial

Santander Bank

  • Limit: $400 to $2,500, depending on your account type
  • Request an increase: Call (877) 768-2265
  • Find a location

SchoolsFirst Credit Union

  • Limit: Unlimited with an Investment Checking account
  • Request an increase: Call (800) 462-8328
  • Find a location

Security Service Federal Credit Union

  • Limit: Varies by location and branch
  • Request an increase: Call (801) 227-3614
  • Find a location

Star One Credit Union

  • Limit: $500
  • Request an increase: Call (866) 543-5202 or (408) 543-5202
  • Find a location

State Employees Credit Union

  • Limit: $500
  • Request an increase: Call (888) 732-8562 or (919) 857-2150
  • Find a location

State Street Bank

  • Limit: Varies by account; your limit will appear in your acceptance letter, or you can call customer service to retrieve it.
  • Request an increase: Call (217) 223-6480
  • Find a location

Suncoast Credit Union

  • Limit: $220 for the first six months after opening an account. After that, the limit is $420.
  • Request an increase: Call (813) 621-7511
  • Find a location

SunTrust Bank

  • Limit: $500 for the Classic Check Card, $1,000 for the Gold Check Card, and $2,500 for the World Check Card
  • Request an increase: Log in to online banking to manually adjust the withdrawal limit.
  • Find a location

Synovus Financial Corp

TD Bank

  • Limit: For ATM and debit cards, the withdrawal maximum is $750. For private client cards, the maximum is $1,000.
  • Request an increase: Call (888) 751-9000
  • Find a location

Union Bank

  • Limit: $500 or your total available balance — whichever is less
  • Request an increase: Upgrade your account to Signature Banking, Priority Banking, or Private Advantage
  • Find a location

United Nations Federal Credit Union

U.S. Bank

  • Limit: Varies by card and account
  • Request an increase: Log in to online banking and view your debit card in My Account or call (800) 872-2657.
  • Find a location

Vystar Credit Union

  • Limit: $340 to $1,010, depending on your account type
  • Request an increase: Call (800) 445-6289
  • Find a location

Wells Fargo

  • Limit: Varies by account; log into online banking or check the materials that came with your debit card.
  • Request an increase: Talk to your local banker, or sign in to online banking and select Account Services. From there, click on Account Information and select Account Profile. Highlight your card in the drop-down menu and click “Go” to verify and set daily spending limits.
  • Find a location

Wings Credit Union

  • Limit: You can withdraw up to your predetermined limit or to your available account balance — whichever is less.
  • Request an increase: Call (800) 692-2274
  • Find a location

Woodforest National Bank

  • Limit: Varies depending on your account history
  • Request an increase: (877) 968-7962
  • Find a location

Zion’s First National Bank

  • Limit: Varies by account
  • Request an increase: Call (801) 370-4100
  • Find a location

For more information on ATM usage policies, see our research on ATM overdrafts.

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