Sometimes you need to deposit or withdraw a substantial amount of cash, and you either don’t want to wait in line inside the bank, or it’s after hours and the bank’s closed. Most banks and ATMs have their own limits. Here’s what you need to know about U.S. Bank withdrawal limits as well as deposit limits.
What Are U.S. Bank ATM Withdrawal and Deposit Limits?
The maximum withdrawal amount can vary because it depends on your account and your relationship with U.S. Bank. For many banks, daily ATM withdrawal limits start at $500.
You have the power to set your own U.S. Bank ATM withdrawal limit through the mobile app. As long as your limit falls within U.S. Bank’s minimum and maximum amounts, you’re welcome to adjust the limit to your needs.
Unlike the withdrawal limit, the deposit limit probably won’t be much of a concern. How much you can deposit isn’t about the dollar amount; it’s about the number of pieces involved in each transaction. You can insert up to 30 checks and 50 bills at a time without an envelope.
Cash deposits are credited to your account instantly. If you have more bills or checks than the ATM will allow, you can make your deposit in multiple transactions.
Business account limits depend on the specific business account type and its status. To find out your limit, consult your account details via U.S. Bank’s digital banking services.
| Account Type | ATM Withdrawal Limit | ATM Deposit Limit |
|---|---|---|
| Personal Checking | $500 — can be higher depending on your account and relationship with U.S. Bank | Limit is set to 30 checks and 50 bills at a time without an envelope |
| Business Checking | Depends on specific business account type and its status | Depends on specific business account type and its status |
How To Increase Your U.S. Bank ATM Withdrawal and Deposit Limits
If you still need cash and you’ve already reached your U.S. Bank ATM withdrawal limit, don’t despair.
Most banks will offer increased ATM withdrawal limits upon request. Temporary limit increases, like when you’re planning travel or preparing to make a large purchase, are more common than permanent increases.
Because U.S. Bank limits withdrawals based on your type of account and account status, every case is unique. Call U.S. Bank at 800-USBANKS or 800-872-2657, to discuss any limit increase options that may be available to you. You can also stop by a branch and make your request in person.
Requirements for Increasing Withdrawal and Deposit Limits
- Change your limit on the website or app. U.S. Bank allows you to change your withdrawal limit on the website and app.
- After logging into your U.S. Bank account, choose the checking account associated with your debit card.
- Navigate to “Account Services” and click on “Transaction Limits.”
- Choose to manage daily limits and edit your desired limit and then submit.
- Account standing. The bank will look at your current account status. Being in good standing may have a positive impact on a potential increase in your withdrawal and deposit limits.
- Relationship history. If you have more than one account, this may work in your favor to increase your limits.
What Affects Your U.S. Bank ATM Withdrawal and Deposit Limits?
At U.S. Bank, your account type and status determine the funds you can withdraw or deposit. Here are factors that may affect your withdrawal or deposit privileges:
Account type. If you have a business account, you may be able to withdraw or deposit a larger amount of funds. Generally, business accounts have larger transaction limits than personal accounts.
ATM location and availability. Using an in-network ATM is more favorable than using an out-of-network ATM. Out-of-state networks may have their own transaction limits, and these could be lower than U.S. Bank’s limits. You may also be responsible for out-of-network fees.
Account status. If you’re a long-term bank customer and have an established relationship with the bank, you may be able to withdraw additional funds. U.S. Bank clearly states that card limits in the first year are predetermined because of security concerns.
How To Withdraw and Deposit More Than the ATM Limits at U.S. Bank
If you still need cash and you’ve already reached your U.S. Bank ATM withdrawal limit, don’t despair. There are other ways to get more. Assuming the bank is closed and making a large withdrawal inside the bank or in the drive-through isn’t possible, here are some other options:
- Ask for cash back during a point-of-sale transaction. You could go to a couple of different grocery stores and request the maximum amount of cash back after making a small purchase at each store.
- Withdraw from another account that uses a different card. Limits are generally card-specific, so if you use the same card for both your checking and savings accounts, you’re probably out of luck. Getting a cash advance on a credit card is another option.
- Increase your limit over the phone. U.S. bank representatives may be willing to increase your withdrawal limit for your convenience.
U.S. Bank ATM Charges for Exceeding Withdrawal and Deposit Limits
U.S. Bank’s withdrawal limits depend on the account type and your account status. In cases where you exceed the withdrawal limit at the ATM, your transaction will likely be denied. U.S. Bank doesn’t charge for exceeding the deposit limit.
If U.S. Bank determines that you’re exceeding the withdrawal or deposit limit multiple times, U.S. Bank may review your account for potential adjustments or security concerns.
Tips To Avoid Fees
Take a look at this general advice if you want to avoid fees for exceeding your withdrawal or deposit limits.
- Review your limits. Through online banking or the mobile app, you can easily find out your withdrawal and deposit limits. Making sure you know those limits will help in planning your withdrawals and deposits.
- Plan large transactions. If you know you have a large deposit or need to withdraw a substantial amount of money, make certain you have the option to go into a branch during regularly scheduled business hours.
- Avoid ATM fees. Use in-network or partner ATMs to avoid out-of-network fees.
FAQ
Here are the answers to some of the most frequently asked questions about U.S. Bank ATM withdrawal limits and rules.- What is the daily ATM withdrawal and deposit limit at U.S. Bank?
- At U.S. Bank, your ATM withdrawal is dependent on the type of account and your account status. Typically, though, the daily limit to withdraw funds from an ATM is $500. You can view your withdrawal limit online.
- For your deposit limit, U.S. Bank ATMs accept up to 30 checks and 50 bills per transaction without an envelope.
- Can I increase my ATM withdrawal and deposit limits permanently at U.S. Bank?
- Yes, you can do so by following these steps:
- Log in to your online banking account.
- Navigate to "Account Services."
- Select "Transaction Limits."
- Follow the prompts to adjust your limits.
- Yes, you can do so by following these steps:
- Are there fees if I exceed my withdrawal or deposit limits at U.S. Bank?
- U.S. Bank doesn't charge a fee for exceeding your deposit limit. However, if you try to withdraw more than your limit at an ATM, your transaction may be declined.
- How can I withdraw or deposit more money than the ATM limits at U.S. Bank?
- You can withdraw or deposit more funds by asking for an increase by visiting a bank representative in person at U.S. Bank, or you can try to increase your limit via the app or the website. However, an update to your limits will not be done immediately.
- Does the ATM withdrawal and deposit limit apply at all ATMs?
- Yes, U.S. Bank's ATM withdrawal limits apply to all ATM transactions, whether at U.S. Bank ATMs or non-U.S. Bank ATMs.
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Raani Starnes contributed to the reporting for this article.
Data is accurate as of March 5, 2025, and is subject to change.
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