Transfer and cash limits
ATM withdrawal limits by bank
Enter the cash you need. The tool lists each bank’s published daily ATM limit and the number of days the amount takes; banks that set it per card say so.
Providers publishing a figure, of 17
5
The others show their limit only inside the app or online banking.
| Bank | Limit | $3,000 takes |
|---|---|---|
| Citi | $1,500 to $5,000 a day | 2 days |
| Capital One | $2,000 a day | 2 days |
| Navy Federal Credit Union | $1,000 a day | 3 days |
| Regions | $808 a day | 4 days |
| Truist | $500 to $5,000 a day | 6 days |
| Chase | not published | – |
| Bank of America | varies by location | – |
| Wells Fargo | not published | – |
| U.S. Bank | not published | – |
| PNC | not published | – |
| TD Bank | not published | – |
| M&T Bank | not published | – |
| USAA | not published | – |
| Fifth Third | not published | – |
| Citizens | page not readable | – |
| Huntington | page not readable | – |
| KeyBank | page not readable | – |
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Banks set a daily limit on cash taken from ATMs with a debit card, and only some publish it. Among those read on October 27, 2026, Citi’s client manual sets $1,500 per card per business day for standard accounts and up to $5,000 in its highest tiers (Citi). Capital One’s help center gives $2,000 a day for 360 Checking, while its account disclosure says the limit is set on confidential risk criteria. Navy Federal’s debit card disclosure sets $1,000 a day, including cash at a branch counter and cash back. Regions publishes $808 a day for its personal debit card. Truist’s fee schedule ranges from $500 to $5,000 by account level. Chase does not state an amount in its deposit agreement, Bank of America says the limit depends on the card and the account and can be changed in the app, and U.S. Bank lets you change limits after six months or with a $5,000 average balance. Cash App’s card allows at least $1,000 a week. A teller can usually pay more than the ATM limit, from the funds available in the account.
Fees, limits and rules read by Radif Partners · Editorial policy · Method
Published daily ATM limits
| Bank or app | Limit | Condition |
|---|---|---|
| Citi | $1,500 to $5,000 a day | $1,500 per card per business day for standard accounts, up to $5,000 in higher tiers |
| Capital One | $2,000 a day | 360 Checking; the account disclosure says the limit is set on risk criteria |
| Navy Federal Credit Union | $1,000 a day | cash a day, ATMs and cash back included |
| Regions | $808 a day | personal debit card |
| Truist | $500 to $5,000 a day | by account level |
| Chase | not published | |
| Bank of America | varies by location | depends on card and account; can be changed in the app |
| Wells Fargo | not published | |
| U.S. Bank | not published | can be changed after 6 months or with a $5,000 average balance |
| PNC | not published | |
| TD Bank | not published | |
| USAA | not published |
Wells Fargo, PNC, TD Bank and USAA ATM limits were not found on a readable official page, and Citizens, Huntington, KeyBank and Fifth Third pages could not be read at all. They all have limits; you will find yours printed on the card mailer, in the app, or in the deposit agreement handed over at account opening.
How long a large cash withdrawal takes
At $1,000 a day, $3,000 takes three days of ATM visits; at Citi’s standard $1,500, two; at Capital One’s $2,000, two. For a cash purchase such as a used car, a single teller withdrawal is faster. The amount then comes with federal paperwork above a threshold, which the calculator below shows.
Will this cash transaction be reported?
Currency transaction report
No
| Threshold | more than $10,000 a business day, added up |
| ID and record for instruments | No |
Splitting cash to stay under the threshold is itself illegal (31 CFR 1010.314). A report is routine paperwork, not an accusation.
A currency transaction report for more than $10,000 in a business day (31 CFR 1010.311) is routine and filed by the bank, not by you. Splitting withdrawals over several days to stay under it, if that is the purpose, is a crime called structuring, even with your own money.
Cardless and app withdrawals
Several banks let you withdraw cash with the phone instead of the card. Capital One limits cardless withdrawals with its app to not published a day and $2,000 a month for 360 Checking, lower than the card limit. Payment app cards have their own limits: Cash App’s card agreement allows at least $1,000 a week of ATM withdrawals, with a $2.50 fee per withdrawal unless you receive qualifying deposits, and Venmo’s card limits are no longer listed on its Help Center.
Raising your limit
Ask before you need the cash. Bank of America lets you change your daily ATM limit in the app or online, within what your card allows. Capital One accepts requests for a temporary increase. U.S. Bank opens self-service changes after six months with the bank or with a $5,000 average balance. Premium accounts carry higher limits at Citi and Truist. A higher limit also means more can be taken if your card and PIN are stolen, so a temporary increase is often the better choice.