How much can I withdraw from my deep blue card?

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• You may only withdraw a specific amount of cash from an ATM daily.
• Most financial institutions have a daily ATM withdrawal limit of $300 to $3,000.
• If you need to withdraw more money from your account, get cash back from a store or visit a branch.
• Read about what you can expect to pay in bank ATM fees on Insider.

ATMs provide an easy way to access your money quickly if you don't want to step into a bank. But, if you're planning to take out money for a trip or to make a big purchase, you may want to double-check your bank's ATM withdrawal limit so you don't end up with a last-minute problem.

Below you'll see the ATM withdrawal limits from 25 banks and credit unions. We also walk through your options if you need to withdraw more than the ATM withdrawal limit. 

ATM withdrawal limits at 25 of the biggest banks and credit unions

Institutions that have a range in maximum daily ATM withdrawal amounts have different limits for savings, checking, and money market accounts. Checking accounts typically have a higher withdrawal limit, especially if it's a premier account.

*For these financial institutions, it varies depending on your account and relationship with the bank. You'll have to log in to mobile or online banking to see your ATM withdrawal limit. 

Daily ATM withdrawal limits are restrictions financial institutions set for ATMs. You'll usually only be able to withdraw a certain amount of money from an ATM because the bank wants to ensure it's handling money safely.

Most banks and credit unions will let you take out between $300 to $3,000 daily at an ATM.

However, there might be additional limits depending on where you bank. Banks like US Bank and Wells Fargo have different ATM withdrawal limits depending on your account. You'll have to check your account to see the current limit.

If you take out money from a savings account, you also may have to keep tabs on monthly withdrawals. Even though the Federal Reserve eliminated its previous requirement to have a transaction limit on savings accounts, some banks may still limit you to six transactions per month.

What to do if you need to exceed the ATM withdrawal limit

If you need to borrow more than an ATM allows, you do have options.

• If you don't need money immediately, ask for an increase in your withdrawal limit beforehand. Several banks allow you to increase your ATM withdrawal limit if you tell them you'll need to make a big purchase. Contact your bank's customer service to see if you're allowed to raise your withdrawal limit. 
• If the branch location is open, visit it, and withdraw the money inside with a bank teller: With a teller, you'll verify your identity so you'll be able to take out more money from your bank account.
• If a branch location isn't open, get cash back at a store. Even though this may not be the most ideal, stores let you get up to $200 in cash if you use a debit card. This may be a worthwhile option if you need cash immediately and your bank or credit union isn't open.
• As a last resort, see if you're able to make a transfer instead. Consider whether you really need cash. In some situations, you'll be able to transfer money to another account or use a debit or credit card instead.

Sophia Acevedo, CEPF

Junior Banking Reporter

Sophia Acevedo is a junior banking reporter at Insider who covers banking and savings for Personal Finance Insider. She is also a Certified Educator in Personal Finance (CEPF). She joined Insider in July 2021 as a fellow for the Personal Finance Insider Reviews team. Before joining the Insider team, she was a freelancer based in Los Angeles and worked briefly in publishing. She also graduated from California State University Fullerton in 2020. You can reach out to her on Twitter at @sophieacvdo or send a quick email at . Read more about how Personal Finance Insider chooses, rates, and covers financial products and services >>

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