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ACH Transfer Limits at the Top U.S. Banks

ACH transfer are an important part of paying bills in your day-to-day life, even if you don't realize it. Know the ACH transfer limit at your bank.

ACH Transfer

When you first sign up for a bank, it's hard to think of every single service you will need down the line.

It is especially difficult to keep up with these services considering all the fine print and occasional fee changes.

This is exactly what Community member Rodney experienced when he needed to make ACH transfers from his UFBDirect savings account.

A quick reminder: ACH transfers are monetary external bank transactions that are handled electronically.

They are typically used for things like business to business payments, direct debit payments including mortgages, loans, utilities, insurance premiums, rents, and any other regular payments and tax payments.

ACH Transfer Limits Pose a Problem for Consumers

Every bank has different rules and regulations to how transfers work.

Rodney found that although UFBDirect had an excellent savings account, the $2,000 a month limit was putting a damper on his uses for the account.

He goes on to detail the situation in his community post.

One of the best rates on savings accounts is from UFBDirect.

That said, I closed my account and transferred over to American Express Bank due to the strict limitations on electronic funds transfers out of the account.

It turns out the $2,000 a month limit from UFBDirect could increase to $5,000 a month after you build credibility, but there is not a specified time period.

Another MyBankTracker user left a post in our Reviews section detailing the same problem.

According to old-guy rule, the ACH transfer limit of $2,000 was a major problem among others he was experiencing with the bank.

He states, "To be told they ALLOWED me to have access to half my money as a COURTESY is indescribable."

Key Questions To Note About ACH Transfer Limits

Each bank operates slightly differently when it comes to rules regarding ACH transfers.

If you are thinking of using your account along with ACH transfers here are some key questions you should ask your bank:

  • Is there a limit to how many transfers I can make each month, both inbound and outbound?
  • Are there any limits on the amount of money I can transfer out? If so are there ways to increase the limit?
  • When can I access transfers made into my account?
  • What are the differences between domestic and international transfers?
  • Are there time-relevant processing fees?

After finding out about these fee caps, we decided to call a few banks and find out some more info.

We quickly learned this isn't the same for every institution.

We discovered the external bank transfer limits are actually limits for when you're transferring money from your account at one banking institution to your account at a different banking institution.

What Are The ACH Transfer Limits At Some Top Banks?

After reaching out to multiple banks, we were able to obtain some valuable information regarding each bank's ACH transfer limits.

Here are some of the key data from our findings:

ACH Transfer Limits at Top U.S. Banks

Bank ACH Transfer Amount Limits Transfer Fee
Bank of America $3,000 per day or $6,000 per month for standard delivery and $2,000 per day or $5,000 per month for next-business day delivery $3 for standard time delivery and $10 for next-business day delivery
Chase $10,000 per transaction or $25,000 per day $0
Wells Fargo Varies depending on your account history but typically $5,000 per day $0
Citibank $2,000 per day or $10,000 per month $0
U.S. Bank Varies depending on your account history but typically $2,500 per day $0 for standard time delivery from other institutions, $3 for standard time delivery to other institutions
Capital One $10,000 per day or $25,000 per month $0
PNC Bank $2,000 per day or $5,000 per month (transfer limits may be reviewed and raised if you have positive account history) $0 if done online and $3 if assisted in branch
TD Bank Varies depending on your account history but typically $3,000 per month $0
BB&T $5,000 per day or $12,500 per month $3 for standard time delivery and $10 for next-business day delivery
SunTrust $10,000 per day or $20,000 per month (inbound) and $2,000 per day or $10,000 per month (outbound) $3 for standard time delivery and $6 for next-business day delivery
Santander $5,000 per day with one-time passcode ($500 without one-time passcode) or $20,000 per month $0
Fifth Third Bank $2,000 per day or $5,000 per month $3
Citizen's Bank $10,000 per day or $15,000 per month For next day transfers: $2,500 per day and $5,000 per month $3 for standard time delivery and $10 for next-business day delivery
M&T Bank $10,000 per day (inbound) or $20,000 per day (outbound) $3
U.S. Bank Varies depending on your account history $3 for standard time delivery to other institutions
Ally Bank Varies depending on your account history $0

Our analysis

Most banks seem to offer higher limits than the $2,000 a month limit imposed by UFBDirect, which is good for customers that need more flexibility but don't necessarily need unlimited transfer funds.

It appears that, on average, most banks have a daily transaction limit of about $5,884 per day and about $9,909 per month.

Certain banks, like Suntrust and Citizens Bank offer fairly high daily transaction limits of $10,000 per day, whereas some banks like Fifth Third and PNC, cap their daily transactions at a lower $2,000.

Chase stands out in the crowd with a whopping $25,000 per day limit on daily transactions.

This is definitely something to consider when choosing your bank, especially if you run a business, or just simply plan to transfer higher amounts of money on a daily basis.

Transfer fees

Similarly, another important fee to note, is the transfer fee imposed by banks.

If you're planning on making transfers on a more than regular basis, these transfer fees can add up, making it costly to you.

We found that banks charge roughly $3 for every transfer with standard delivery time, and on average about $8 for next-day delivery.

Some banks, however, keep it simple and charge nothing for their transfers; you'll find $0 transfer fees at Ally Bank and Capital One.

Bank of America does something different where they have a $1,000 daily limit, but this is lifted when you enroll in a Safe Pass — a program that sends a code to your phone to verify that it is indeed you that is making the transaction.

Santander is also another bank that imposes a $500 daily limit, unless you enroll in Safe Pass, then your limit will be increased to $5,000/day.

Keep in mind too, that the limits change depending on if you're receiving the money (inbound) or if you're sending out the money (outbound).

Typically, we found that most banks will allow you to receive higher dollar amounts, as opposed to send them out.

Your relationship with your bank matters

Most banks have written in their fine print that the daily/monthly ACH transfer limits rely heavily on your relationship with the bank.

If you've been a loyal customer for some number of years, keep your account balance in the positive, and more or less follow all of the guidelines set by your bank, they will most likely up your transfer limit.

On the other hand, if your account balance is negative, or you're a new customer, or you rack up lots of fees on a frequent basis, your bank will be less likely to increase your transfer limit.

Final Thoughts

As with savings accounts, each bank has different rules and exceptions to how you can use ACH Transfers.

If you want to be able to access as much of your money as you want, when you want it, make sure to speak with a bank representative about ACH

Transfer limits before committing to a savings or checking account.

Consider some of these savings accounts or checking accounts at these banks:

Compare Best Accounts Now

Ask a Question

Friday, 09 Jul 2021 9:58 PM
<p>Can anyone confirm that the analysis in the above article is based on ACH credit (push) transfers as opposed to ACH debit (pull) transactions? My understanding is that standard ACH debit transactions can in theory be for any amount (same day ACH debits have a limit of $100K). Please let me know if my understanding is correct.</p>
tomtul2
Monday, 07 Jun 2021 7:46 PM
<p>Stop waiting. Even pros are usually wrong when trying to time the market. Put in some money every month, so that after 2 or 3 years your whole cash balance will be invested. That way if there is a big drop your losses are limited. If there is a big rise, you gain something. If the market doubles over 10 years, as it has several times, you will be in it.</p>
Monday, 17 May 2021 7:32 PM
<p>Santander bank only PUSH $$ to external banks</p>
Friday, 30 Apr 2021 5:01 PM
<p>Great research, thank you.</p><p>I am curious to know how much the limits differ between business accounts and consumer accounts. Or do the numbers above reflect both types of accounts?</p>
disqus_yNkfI40UKP
Tuesday, 16 Mar 2021 6:37 PM
<p>Seems like the ACH issue is not limited to B &amp; M banks. I tried to transfer $25K from American Express Bank to a local bank today and the transaction was cancelled. Someone from American Express left a message on my answering machine to call back about the account activity. Just before submitting the ACH request, I verified the test deposits that American Express Bank sent to the local bank. I got a confirmation that the external bank was added to my list and that I could submit a transfer request immediately. I also received the test deposits to the CIT bank account as well and will submit a transfer request from their website.</p>
disqus_yNkfI40UKP
Thursday, 18 Feb 2021 8:19 PM
<p>I tried to transfer money into a United Bank account from Discover Bank. A limit of $2K per day and $5K per month. And to top it off, after I submitted two ACH requests on two consecutive days, I got a call from the United Bank representative looking to verify the ACH requests. Just for a small $4K total amount. Many limit the ACH amounts to prevent the possibility of a large fraudulent transfer. Others like CIT bank allow you to transfer up to 2 million. So the ACH limits vary between banks and the same customer in those banks. B&amp;M banks appear to be the more suspicious ones about ACH transfers.</p><p>Online Transfers/ACH $2 million per transaction/$2 million daily</p>
disqus_B9T5RIC1qc
Thursday, 18 Feb 2021 5:23 PM
<p>I have transferred over 200k from my capital one account. I opened a Citi account because the rates were a little better - now I am subject to these limits. Will be moving back to Capital One - can't stand when I can't access my money easily.</p>
disqus_yNkfI40UKP
Sunday, 03 Jan 2021 5:58 AM
<p>The statement would appear to apply to Capital One Bank, but some other banks do apply the same limits to all customers. So limits may be variable or fixed depending on the bank.</p>
joelneumann
Sunday, 03 Jan 2021 12:07 AM
<p>As his first sentence states, "ACH limits are highly variable between customers at the same bank."</p>
NuMoo
Tuesday, 15 Dec 2020 2:05 AM
<p>Very good information. Ironically not easy to find on any bank web page when looking to open an account. Also different levels of accounts offer different limits and fees- which are also difficult to find.</p>
disqus_yNkfI40UKP
Tuesday, 09 Jun 2020 5:40 AM
<p>I never touched my IRA nor my 401(k) mutual fund investments even during the 2000 dot com bust, 2008 implosion, nor 2020 pandemic. I compared the return between having $10,000 invested in a bank versus one of my mutual funds. In the last ten years, you would have under $13,000 in the super safe account. In the mutual fund, that same $10,000 rose to over $45,000. Even with the recent drop during the pandemic, you are still way ahead of the bank account and my balance has recovered most of the recent losses. These last ten years with the zero interest rate policy (ZIRP) have been terrible for bank accounts (that includes CD rates too).</p><p>You are correct that borrowing rates were quite high in the 1980s. I just started working at the time and graduated with zero debt. After I graduated, college costs shot sky high. I got a 4 year grant covering tuition of $2500-3000 per year (just over $10,000 over four years). Now tuition is over $50K per year (over $200,000 over four years). Ridiculous cost for the same amount of learning. Money market rates hit well over 10% and the 30 year Treasury Bond was over 14%. That was a great time to be putting money into the banks.</p>
superorb
Monday, 08 Jun 2020 10:10 PM
<p>Wish I got in on the stock market rise after the 08/09 downturn so I wouldn't even have to worry about this now. I was hoping for a longer dip but markets are almost back t they were and we only really got a single day to back up the truck on stocks in March. Sadly I missed the boat so I'm back to waiting.</p><p>CD rates were high back then but so was the cost for borrowing. I was a wee lad in the 80s so none of it really applied to me.</p>
disqus_yNkfI40UKP
Monday, 08 Jun 2020 9:58 PM
<p>It will depend on how the economy can improve in order for rates to go back up. If we get a major recession, then low to zero rates will stay for quite a while. People who rely on interest income had it good for a long time until 2008 came around. Then things went up, but then the pandemic hit and pushed them down again. I came across an old CD notice from the late 1990s when the 3 year CD rate was close to 6%. I think it will be a long time before we ever see rates like those in the 1980s.</p>
superorb
Monday, 08 Jun 2020 9:41 PM
<p>Yeah, I'm doing the same thing and it's been a pain to constantly move funds only to have the receiving bank drop rates thereafter. I have two 2.5% up to $30k accounts and everything else is in my single 1.75% account. I used to have many 3.5%, 3.33%, 2.5% accounts but they're all cut now. It's going to be a long while before rates return to their pre-pandemic levels unfortunately.</p>
disqus_yNkfI40UKP
Monday, 08 Jun 2020 1:15 AM
<p>As rates have plummeted during the current Covid-19 pandemic, I have been shifting my money between banks and money market mutual funds. I rarely moved money in/out of the Capital one accounts and was going to try to use it as a hub account which turned out to be a bad idea due to the limit on ACH transfers.</p><p>At this time rates are dropping since March 13 when the national emergency was declared and businesses were shut down. The highest rate that I have is now 1.5% (CFG Bank), but that could change any day as rates keep dropping. Note that my Prime Alliance Bank account was in the lead at 1.55%, but they sent me a notice that it would drop to 1.35% on Monday. I moved money several times since March and each time after doing so, the receiving bank's rate dropped. I could close all of the older accounts, but then I don't like to "put all my eggs in one basket" and exceed FDIC insurance coverage limits. Right now I have over 30 bank accounts opened. For me personally, I avoid banks that do not mail paper account statements because if something happens to me, the survivors would have no paper trail to locate accounts or I would have to divulge online user ID and passwords to other people. Capital One 360 do not mail paper statements (nor Form 1099-INT either), so I haven't opened any account with them. For many years, they also did not allow you to designate POD beneficiaries on their accounts. And for many years, you could not do any transactions between the 360 and regular in-branch bank accounts until they finally merged the account systems recently. My Capital One in-branch accounts pay little interest (&lt;1%) since the subprime implosion back in 2008. With rates still dropping, the 360 account rates could approach the in-branch account rates. So for me, the 360 accounts are not so great. I have multiple bank accounts that are above 1.15% (for the moment). For example, CIT Bank, American Express Bank, Marcus by Goldman Sachs and all three have much higher ACH limits than Capital One for me.</p>
superorb
Sunday, 07 Jun 2020 9:17 PM
<p>I can do all my 360 business in branch too. Also my 360 savings had industry leading 1.5% interest with no requirements a few months ago before rates dropped out. Now they'e at 1.15% which isn't so great anymore. I have a 1.75% account that's no longer open for new signups.</p><p>What rate are you getting elsewhere and what bank? Why don't you close your legacy accounts if they're awful? New CapOne accounts are great and I've had hundreds of bank accounts over the past decades.</p>
disqus_yNkfI40UKP
Sunday, 07 Jun 2020 8:31 PM
<p>Yes, that is probably correct. The 360 accounts are separate from the Capital One branch and Capital One Direct accounts. The 360 accounts are those related to the Capital One purchase of ING Direct accounts several years ago. All of the 360 accounts do not have mailed statements, unlike the previous Capital One accounts. Capital One took over the ING Direct accounts on November 2012 and eliminated the orange ball logo used by ING Direct (a Dutch based bank) on February 2013. All of the 360 account current rates are below what I have in other banks that have higher ACH transfer limits, so Capital One no longer holds much of my assets.</p>
superorb
Sunday, 07 Jun 2020 4:25 PM
<p>I bet your account isn't a 360 account which is what I was referring to ;)</p><p>Open a new 360 account and you won't have any ACH limits or fees in general.</p>
disqus_yNkfI40UKP
Sunday, 07 Jun 2020 2:22 AM
<p>Banks with lower transfer limits are probably trying to minimize the impact from fraudulent EFT transactions. When the ACH transfer request originates from another bank, the other bank has to deal with any fraud issues.</p>
disqus_yNkfI40UKP
Sunday, 07 Jun 2020 2:18 AM
<p>Not so from my experience with Capital One. I have a checking account that is almost 40 years old and my external bank transfer limit is $10K per day with a rolling 30 day limit of $15K. I have never had any check bounced or overwithdrawn from the account since it was opened.</p>
disqus_yNkfI40UKP
Sunday, 07 Jun 2020 2:13 AM
<p>Capital One must have different rules for accounts opened in the branch office. I have a legacy checking account (opened in the early 1980s) and my external bank ACH transfer limit is $10,000 per day with a rolling 30 day limit of $15,000.</p>
superorb
Friday, 05 Jun 2020 7:08 PM
<p>Individual bank policy.</p>
superorb
Friday, 05 Jun 2020 7:02 PM
<p>Capital One told me a few days ago that all of their 360 accounts (savings/checking) have no limits at all and I believe them. I've done many $50k+ ACH transfers initiated from my CapOne accounts.</p><p>Alliant has a $25k limit per day.</p>
mikekano
Wednesday, 19 Feb 2020 1:43 AM
<p>ACH limits are highly variable between customers at the same bank. Those limits vary not only based upon your business relationship with the bank, but probably more importantly by the the banking report generated by companies like Chex Systems. (Think of it as the equivalent of the bank account version of your credit report.)</p><p>Before opening an account at any bank, I research what the likely limits will be. Once I have been approved for an account, one of the first things I do is call customer support and ask for the precise ACH limits in effect for my account. The limits are documented in an Excel spreadsheet so I can consult them whenever I need to do so.</p><p>Capital One allows me to transfer $250,000 per transaction, with a monthly limit based only upon the number of business days per month. American Express allows me to transfer $5 million per transaction, with a monthly limit of $30 million.</p>
Tuesday, 18 Feb 2020 5:14 PM
<p>100 or 200 is the usual amount available right away. That's the minimum and it can be higher depending on bank and their policy.</p>
ashleyabdullah
Sunday, 22 Dec 2019 10:28 AM
<p>If my boss wrote me a personal check from his bank which is Chase Bank for $800 and I recently opened a bank account myself at Woodforest National Bank if I take that check that he wrote me and I deposit it into the ATM machine after hours is any of the funds available at the time of the deposit into the ATM machine</p>
disqus_wHRb5thLcz
Thursday, 31 Oct 2019 3:25 PM
<p>Do you know why a bank would allow only ACH transfers to an external <br>account that I own? I have several accounts at a traditional bank <br>(BofA) and an online bank (Ally). I recently found out that from my <br>Ally account I can only do an ACH transfer to an external account if I <br>am the owner, or co-owner of the account. My BofA account has no such <br>restriction. Is that purely the choice of the bank, or is there some <br>restriction on the online banks?</p>

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