A teller can help you withdraw cash from your checking or money market account. However, if you need a larger amount of money, you may want to consider more secure ways to pay, other than cash. A fourth option for getting around ATM withdrawal limits is cashing a check. If an unexpected situation comes along and you need cash, you could start by making an ATM withdrawal.
Once you hit those limits, you could try the other methods listed above, including requesting a higher limit in the short term. As a last resort, you might also consider a credit card cash advance. Taking a cash advance from a credit card simply means withdrawing cash from your credit limit. This is a convenience that many credit card companies offer as an account benefit. You can get a cash advance with your card at a bank or ATM or access cash using a convenience check.
There are some potential downsides, however. Often, interest on a cash advance accrues at a higher rate than your standard purchase APR. Additionally, you may pay a cash advance fee equal to a percentage of the advance amount. Between interest charges and the fee, a cash advance can be an expensive way to get cash quickly.
For this reason, you may be better off approaching your bank first about a temporary ATM withdrawal limit increase or withdrawing cash at a branch instead. I'm a freelance financial journalist and a regular contributor to U. News and CreditCards. You can find me on LinkedIn or follow me on Twitter seemomwrite. She has worked as a personal finance editor, writer, and content strategist covering banking, credit cards, insurance and investing.
As a small business owner and former financial advisor, Daphne has first-hand experience with the challenges individuals face in making smart financial choices. Select Region. United States. United Kingdom. Rebecca Lake, Daphne Foreman. Contributor, Editor. Editorial Note: Forbes Advisor may earn a commission on sales made from partner links on this page, but that doesn't affect our editors' opinions or evaluations.
Banks can impose ATM withdrawal limits out of practicality and for security reasons. Was this article helpful? Share your feedback. Send feedback to the editorial team. Rate this Article. Enroll in Online Banking today. Want us to walk you through it? Call For general account servicing and information your card or account number will be required We accept calls made through relay services dial Insert your card face-up in the ATM to begin your transaction. Follow the on-screen instructions chip-enabled ATMs will hold your card during the transaction.
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