This article will outline bank imposted limits.
Aside from your account limits on Metal Pay, your bank account may also impose limits and/or fees on Bank and Debit Card transfers. If your bank has unique limits on their end but you don't see it listed here, reach out to us via email at help@metalpay.com and we can look into adding it to this reference guide.
Bank Transfer (ACH)
| Bank | Transfer Limits | Transfer Fee | Day |
| Bank of America |
Standard delivery: $3,000/day or $6,000/month Next-business day delivery: $2,000/day or $5,000/month |
Standard delivery: $3 Next-business day delivery: $10 |
$3,000.00 |
| Chase | $10,000/transaction or $25,000/day | $0 | $25,000.00 |
| Wells Fargo | Varies depending on your account history but typically $5,000/day | $0 | $5,000.00 |
| Citibank | $2,000/day or $10,000/month | $0 | $2,000.00 |
| U.S. Bank | Varies depending on your account history but typically $2,500/day |
Standard delivery (inbound): $0 Standard delivery (outbound): $3 |
$2,500.00 |
| Capital One | $10,000/day or $25,000/month | $0 | $10,000.00 |
| PNC Bank | $2,000/day or $5,000/month (transfer limits may be reviewed and raised if you have positive account history) |
Online: $0 In-branch: $3 |
$2,000.00 |
| TD Bank | Varies depending on your account history but typically $3,000/month | $0 | $3,000.00 |
| BB&T | $5,000/day $12,500/month |
Standard delivery: $0 Next-business day delivery: $3 |
$5,000.00 |
| SunTrust |
Inbound: $10,000/day or $20,000/month Outbound: $2,000/day or $10,000/month |
Standard delivery: $3 Next-business day delivery: $6 |
$2,000.00 |
| Santander |
$5,000/day with one-time passcode $500/day without one-time passcode $20,000/month |
$0 | $5,000.00 |
| Fifth Third Bank | $2,000/day $5,000/month | $3 | $2,000.00 |
| Citizen's Bank |
$10,000/day $15,000/month Next day transfers: $2,500/day $5,000/month |
Standard delivery: $3 Next-business day delivery: $10 |
$10,000.00 |
| M&T Bank |
Inbound: $10,000/day Outbound: $20,000/day |
$3 | $20,000.00 |
| Ally Bank | Varies depending on your account history | $0 |
Debit Card (Interchange)
| Bank | Daily Limits | Monthly Limits | Day |
| Ally Bank | Up to $500/day | Up to $10,000/30 days | $500.00 |
| Bank of America | Up to $2,500/day | Up to $20,000/month | $2,500.00 |
| Capital One | Up to $2,000/day | Up to $10,000/month | $2,000.00 |
| Chase |
Chase Personal Checking and Chase Liquid cards: up to $2,000/day
|
Chase Personal Checking and Chase Liquid cards: up to $16,000/month
|
$5,000.00 |
| Citibank |
$1000-$5000/day depending on account type and age |
$5000-$15000/day depending on account type and age |
$5,000.00 |
| Citizen's Bank | Up to $1,000/day | Up to $5,000/month | $1,000.00 |
| Discover | $600/day | - | $600.00 |
| PNC Bank | Up to $1,000/day | Up to $5,000/month | $1,000.00 |
| TD Bank |
Transfer within minutes: up to $1,000/day
|
Transfer within minutes: up to $5,000/month
|
$2,500.00 |
| U.S. Bank | Between $1,500 and $2,500/day | Between $5,000 and $10,000/month | $2,500.00 |
| Wells Fargo | Up to $2,500/day | Up to $4,000/month | $2,500.00 |