Bank of America (BOA) operates one of the largest ATM networks in the United States, making it easier to access cash, make deposits, and manage your accounts on the go. This guide covers Bank of America’s typical ATM withdrawal limits, deposit limits, potential fees, and how to request a higher limit when you need it. We’ve also included a quick comparison with other major banks and practical tips to avoid unnecessary costs.
Why Use a Bank of America ATM?
- Large national footprint — 15,000+ ATMs across 39 states & D.C.
- $0 in-network fees for BOA customers using BOA ATMs
- Deposits — cash and checks at most machines, often with quick availability
- Cardless access — many ATMs support Apple Pay/Google Pay tap-to-withdraw
- 24/7 access — including drive-thru and select retail locations
Prefer an official locator? Use the Bank of America ATM & branch finder to search by city, ZIP, or your current location.
Bank of America ATM Withdrawal Limits
Most BOA consumer accounts have a typical daily ATM withdrawal limit around $1,000. Your exact limit can vary based on account type, relationship tier, card type, and recent account activity. Premium and business tiers may qualify for higher daily limits.
| Account Type | Typical Daily Limit | Increase Possible? |
|---|---|---|
| Standard Checking | $1,000 | Yes — request via app/branch |
| Preferred Rewards | $1,500+ | Yes |
| Business Advantage | $2,000+ | Yes |
| Student/Basic | $500–$1,000 | Limited |
For a deeper, consumer-focused breakdown with practical examples, explore financial resources that detail BOA’s ATM withdrawal and deposit rules, including how limits vary by account tier.
Deposit Limits & Funds Availability
ATM deposit limits (cash + checks) are commonly around $10,000/day for many accounts, but can vary by account age, tier, and activity. Cash is typically available faster than checks; check deposits may be subject to standard holds (often 1–3 business days).
- New accounts may start with lower limits and longer holds for the first 30–90 days.
- Preferred/Business tiers may qualify for higher limits and faster availability.
- Large checks or unusual activity can trigger extended holds for security.
Fees at BOA ATMs (and How to Avoid Them)
| User Type | ATM Type | Typical Fee |
|---|---|---|
| BOA Customer | BOA ATM | $0 |
| BOA Customer | Out-of-network (U.S.) | ~$2.50 + operator surcharge |
| BOA Customer | International ATM | ~$5 + ~3% FX fee |
| Non-Customer | Using BOA ATM | ~$2.50–$3.00 operator fee |
Ways to save: withdraw less often in larger amounts, use in-network ATMs, and enable banking alerts to avoid accidental out-of-network use.
BOA vs. Other Banks (Quick Comparison)
| Feature | Bank of America | Chase | Wells Fargo | Capital One |
|---|---|---|---|---|
| Fee at Own ATMs | $0 | $0 | $0 | $0 |
| Out-of-Network Fee | ~$2.50 + surcharge | ~$3 + surcharge | ~$2.50 + surcharge | ~$2–$3 + surcharge |
| Typical Daily Limit | ~$1,000 | ~$500–$1,000 | ~$800 | ~$1,000 |
| Cardless Support | Yes | Yes | Yes | Yes |
Note: Exact limits vary by account tier and user settings; check your bank’s mobile app for your configured limit.
How to Increase Your BOA ATM Withdrawal Limit
- Use the BOA app or online banking to request a temporary (24-hour) increase.
- Call customer service and explain why you need more cash (travel, purchase, emergency).
- Visit a branch for a permanent increase—often easier for Preferred Rewards or Business customers.
For step-by-step advice, explore consumer banking resources that explain how BOA evaluates ATM limit increase requests.
International ATM Use
- Expect a per-withdrawal fee (often ~$5) plus a currency conversion fee (~3%).
- Withdraw larger amounts less often to reduce total charges.
- Notify BOA of travel to avoid declines and ensure international access works properly.
Security Tips for Any ATM
- Use well-lit, high-traffic locations—branch ATMs are the safest.
- Shield the keypad and check for signs of card skimmers.
- Secure cash immediately; avoid counting money at the machine.
- Consider cardless withdrawals to reduce skimming risk.
FAQs
What is the typical daily withdrawal limit at BOA?
Most consumer accounts default to around $1,000/day, but your specific limit depends on your account type and activity.
Do BOA ATMs accept deposits?
Yes. Cash is typically available quickly; checks may have a standard hold of 1–3 business days.
Can I increase my daily ATM limit?
Yes. Temporary increases can be requested in-app; permanent increases may require a branch visit.
Are cardless withdrawals supported?
Many BOA ATMs support Apple Pay and Google Pay contactless access.
How do I avoid fees?
Use in-network BOA ATMs, plan withdrawals strategically, and enable mobile banking alerts.