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 |
Want a deeper, consumer-focused breakdown with practical examples? See this detailed guide on Bank of America ATM withdrawal & deposit limits.
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. If you need to locate a machine quickly, try this nationwide resource to find a Bank of America ATM near you.
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 settings; contact your bank or check your 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 when needed.
- Call customer service and explain the reason (travel, large purchase, emergency).
- Visit a branch for a permanent increase, especially if you’re in a Preferred or Business tier.
For step-by-step advice and common approval tips, review this practical explainer on BOA ATM limits (and how to raise them).
International ATM Use
- Expect a per-withdrawal fee (often ~$5) plus a currency conversion fee (often ~3%).
- Withdraw larger amounts less frequently to reduce cumulative fees.
- Notify BOA of travel to avoid declines and enable international usage.
Security Tips for Any ATM
- Use well-lit, high-traffic ATMs (inside branches or retail stores when possible).
- Shield the keypad when entering your PIN and watch for skimming devices.
- Secure your cash immediately; don’t count bills at the machine.
- Consider cardless withdrawals to reduce card-skimming risk.
FAQs
What is the typical daily withdrawal limit at BOA?
Many BOA consumer accounts default to around $1,000/day. Your limit may differ based on account tier and settings.
Do BOA ATMs accept deposits?
Yes, most do. Cash is often available quickly; checks may have a standard hold of 1–3 business days.
Can I increase my daily ATM limit?
Often yes. Try the BOA app/online banking for a temporary bump, or request a permanent increase at a branch.
Are cardless withdrawals supported?
Many BOA ATMs support Apple Pay/Google Pay tap-to-withdraw. Look for the contactless symbol on the machine.
How do I avoid fees?
Use BOA’s locator for in-network machines, withdraw less often in larger amounts, and set alerts to avoid out-of-network ATMs.