How much 16 US banks and credit unions let you move by ACH to your own account at another bank.
An ACH transfer limit is the most your bank lets you send to, or pull from, your own account at another bank in a day, a month or a single transfer. At the 16 banks and credit unions below that publish one, the daily outgoing limit runs from $2,000 at M&T Bank and BMO to $25,000 at American Express and Alliant; Discover sets $250,000 per 30 days instead.
At a glance
- Lowest daily limits$2,000 at M&T Bank and BMO; Bank of America caps a next-business-day transfer at $1,000
- Highest daily limits$25,000 out at American Express and Alliant
- Monthly capsfrom $5,000 (M&T Bank, TD Bank out, Bank OZK) to $250,000 per 30 days (Discover)
- Feesmost charge nothing; Citizens charges $3 per outgoing transfer, Synovus $3 to $12 by speed
- Limits shown only after sign-inAlly, KeyBank, PNC and Truist
Source: each bank’s account agreement, fee schedule or transfer help page, linked with its date on the bank’s page · Checked September 27 to October 4, 2026
ACH transfer limits by bank
| Bank | Daily or per-transfer limit | Monthly or rolling limit | Fee and timing |
|---|---|---|---|
| Alliant Credit Union | $25,000 out; $150,000 in | Free; via Online Banking | |
| American Express | $25,000 per transfer and per day, each way | $50,000 per rolling 5 days, each way | No fee |
| Bank of America | $1,000 per next-business-day transfer | No fee; 8:00 PM ET cutoff | |
| Bank OZK | $2,500 per transfer and per day, each way | $5,000 per rolling 30 days, each way | Requests after 4:00 PM CT count as the next business day |
| BMO | $2,000 per transfer and per day, each way | $7,500 per rolling 30 days, each way | Standard transfers |
| Citizens | $5,000 per business day, each way | $10,000 per month, each way | $3 per outgoing transfer |
| Discover | $250,000 out and $250,000 in per 30 days | $25 minimum; 5:00 PM ET cutoff | |
| First Citizens Bank | $10,000 per transfer and per day | $50,000 per month | Free; 9:00 PM ET cutoff |
| Frost Bank | Up to your available balance per 24 hours | In Online Banking | |
| M&T Bank | $2,000 per day (Bank to Bank) | $5,000 per 30 days combined | No fee |
| Navy Federal Credit Union | $5,000 per business day to checking elsewhere | No fee; 2 to 3 business days | |
| PenFed | $2,500 per day in and $2,500 out | Free online; $5 through Member Service | |
| Santander | $5,000 out per business day | $20,000 out per month | 12:30 PM ET cutoff |
| SoFi | $5,000 out per day | $15,000 out per month | Deposit limits shown at transfer |
| Synovus | $10,000 per day | $25,000 per 30 days | Out: $3 standard, $8 next-day, $12 instant |
| TD Bank | $3,000 out per day | $5,000 out per month | Free; 3 business days |
Sources: each bank’s external transfer terms, account agreement or help page, linked with its date on the bank’s page · Checked on September 27, 2026; Santander checked on September 28, 2026; Bank OZK checked on October 4, 2026
Limits are for personal accounts moving money between your own accounts at two banks (often called external or bank-to-bank transfers). “Each way” means the same limit applies to money going out and coming in. An empty cell means the bank’s pages we checked give no figure for that period. Ally, KeyBank, PNC and Truist show their limits only inside online banking or the app, so they are not in the table.
How to move more than your limit
- Pull instead of push. Many banks set a different limit on money coming in. Alliant allows $150,000 a day in against $25,000 out, so starting the transfer from the receiving bank can move more.
- Split it over days. Daily limits apply per day or per business day, while monthly and rolling 30-day caps add up over the whole period, so check both.
- Use a wire for one large payment. A wire is a separate payment with its own limits; it usually lands the same day if sent before the cutoff, but costs a fee; see ach vs wire transfer and the wire transfer cutoff time by bank.
Warning
A higher limit does not make a transfer safer. If someone you have not met asks you to move money to an account “to keep it safe” or to receive a refund, stop and call your bank on the number on its own website.
How long a transfer takes is in how long does ach take, and faster options are in same day ach. If a transfer is stuck, see ach transfer pending. Every figure here comes from our bank list. More tables: bank comparison tables.