If you are currently banking with Citibank, it is crucial to understand how their ATM’s work and what are the limits for your checking and savings accounts. Using an ATM is an easy way to keep some cash in your wallet instead of using your credit cards.
Continue reading our guide to learn more about Citibank’s ATM withdrawal and deposit limits, plus how to get more cash when you’ve reached your limits.
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Citibank Withdrawal, Deposit, and Transfer Limits
ATM Withdrawal Limits
Your daily ATM withdrawal limit depends on what type of Citibank checking account you own. So for example:
- If you’re using the Citigold Account Package or the Citi Priority Account Package, you can withdraw up to $5,000 per day.
- If have you any other Citibank account, your withdrawal limit is $1,000
What is the Maximum Deposit Limit for Citibank ATMs?
There is no limit to the amount you can deposit in a Citibank ATM. But keep in mind that some Citibank ATMs located in non-bank areas may have limits on how many bills they can accept.
How quick will my money be available after an ATM deposit?
Cash deposits are available to use within minutes. But if you do a check deposit, it is subjected to hold before the funds are released.
Your check gets released on the next business day following the date of your deposit. In some cases your full check may not be released, the first $225 becomes available after one business day of depositing the check, while the remaining balance is released once the check clears.
How can I increase my ATM Withdrawal and Deposit Limits?
Individuals accounts have limits depending on their tier and relationship with Citibank. You can call and request a temporary lift on your account limits and it may be granted. However, Citibank may require that you upgrade your account to access high limits.
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. Keep in mind that those limits may vary depending on your individual type of account and where you are transferring the money to.
While for deposits, if you own the Citigold or Citi Priority account, you have no ndaily or monthly limits on the amount you can transfer between funds.
Transfers from Citibank accounts to other banks are limited to $10,000 per day and up to $15,000 total every month.
How to get cash if you’ve reached your limits
If you ever hit or withdrawn your daily limit from the ATM and are still in need of cash, you can access your money by:
Requesting cash back when you make a debit purchase
When you use your Citibank debit card in a store, you can request a cash back from the retailer. When you make a payment, a screen will prompt and ask if you want a cash back. Select “yes” and choose the desired amount and the cashier will hand you the cash.
Although, Citibank doesn’t set limits on the amount of cash back you can receive, but many stores do place limits.
Withdraw cash from another account
If you have another account that has its own debit card, you can transfer money online. Then use the card associated with that account to access your funds.
Make a withdrawal in person at the bank
When you need cash during Citibank’s hours, you can walk into any branch or stop at their drive-thru and make a withdrawal.
You won’t face any limits, and you’ll be able to withdraw as much cash as you have available in your account.
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Conclusion
It is important to understand the daily withdrawal and purchase limits of your Citibank ATM card to help you better manage your spendings while also helping you manage your money more wisely. For more posts like this, check out our list of bank guides!
