If you’re a Citibank customer, taking money out of an ATM is an easy way to make sure you have a good amount of cash in your wallet. However, you may be unsure as to the amount that you can withdraw from the ATM. This is especially important if you have a debit card from Citibank. Continue reading to learn more about Citibank ATM withdrawal and deposit limits.
Table of Contents
- 1 Citi Promotions
- 2 What Is the Maximum Amount of Money I Can Withdraw at a Citibank ATM?
- 3 What Is the Maximum Deposit Limit for Citibank ATMs?
- 4 How Quickly Will My Money Be Available After I Make an ATM Deposit?
- 5 How To Increase ATM Withdrawal and Deposit Limits
- 6 Does Citibank Have a Transfer Limit?
- 7 What Is the Purchase Limit on a Citibank Debit Card?
- 8 How To Get Cash If You’ve Reached Your Limits
- 9 Bottom Line
What Is the Maximum Amount of Money I Can Withdraw at a Citibank ATM?
After opening your Citibank checking account and getting a debit card, the daily withdrawal limit for your debit card will be determined by the type of account you have. If you have the Citigold Account Package or the Citi Priority Account Package, you can withdraw up to $2,000 per day from a Citibank ATM. If you have any other Citibank account, your withdrawal limit is $1,000.
What Is the Maximum Deposit Limit for Citibank ATMs?
There’s no limit to the amount you can deposit in a Citibank ATM. However, some Citibank ATMs in non-bank locations may have limits on how many bills they can accept.
How Quickly Will My Money Be Available After I Make an ATM Deposit?
If you make a cash deposit, the funds can be ready in minutes. Check deposits, however, are subject to hold before releasing funds.
A lot of the times, your check will get released on the business day following the day of your deposit. However, in some cases where your full check isn’t released, the first $225 \will be available one business day after your deposit your check. The remaining balance will take some time before becoming available.
How To Increase ATM Withdrawal and Deposit Limits
All you have to do in order to increase your ATM withdrawal and deposit limits for Citibank is call their customer service line. Additionally, you could go into a branch and speak to a banker, or you can call one of the numbers on the back of your card.
Does Citibank Have a Transfer Limit?
The upper limit for transfers between linked Citibank accounts can be as much as $100,000 inbound monthly or inbound daily. However, those limits may vary based on your individual type of account and where you’re transferring the money to.
As for deposit accounts, if you have a Citigold or a Citi Priority account, you have no daily or monthly limits on the amount you can transfer between accounts.
Transfers from Citibank accounts to other banks are limited to $10,000 per day and up to $15,000 total every month.
What Is the Purchase Limit on a Citibank Debit Card?
Again, the purchase limit will be determined by the type of Citibank checking account that you have. So, this means that the Citigold Account Package or the Citi Priority Account Package can spend up to $10,000 a day with a Citibank debit card. Whereas with any other account, you can only spend up to $5,000 per day with your debit card. This includes both in-person and online debit purchases.
How To Get Cash If You’ve Reached Your Limits
If you do end up maxing out your withdrawal limit on your Citibank debit card, there are other options out there if you need more cash. Hear are a couple:
Get Cash Back When You Make a Purchase
When paying with your debit card at participating grocery stores and other retailers, there will be an option to get cash back. This takes out money from your checking account and adds it onto your bill, allowing you to essentially withdraw money from the retailer. The maximum amount you can get back depends on the retailer.
Withdraw From Another Account
Since the withdraw limit is determined by your debit card, you can withdraw money from another debit card if you have that linked to another account.
Go Into a Branch and Withdraw
Making a withdrawal in person at a branch can allow you to take out an amount greater than your ATM limit. You can do this by using one of your own checks.
Knowing the daily withdrawal and purchase limits of your Citibank ATM card will help you better manage your spending and have money when you need it. For more posts like this, check out our list of bank guides!