I just tried to take out cash at an out-of-network ATM but it was declined even though I had enough in my account. Why?

Article author
Trish V.
  • Updated

Your withdrawal may have been declined because of out-of-network ATM operator fees, because you've hit the daily ATM withdrawal limit, or due to a temporary card lock you may have set. Here's a little more information.

Out-of-network ATM operator fees

To withdraw cash from an out-of-network ATM, you'll need to make sure your account has enough money in it to cover both the withdrawal amount plus any fees the ATM operator may charge you. If your account doesn’t have enough money in it to cover both the withdrawal amount and the ATM operator's fees, the transaction will be declined. 

To avoid fees when you withdraw cash, look for a fee-free Allpoint ATM with the ATM Locator tool found in the Checking section of your Acorns app.

ATM withdrawal limit

It’s also possible that you've hit the daily ATM withdrawal limit of $500. These limits are set by our partner banks and can't be adjusted for you, so you’ll either need to change the amount you are withdrawing or wait until the next day if you've hit the limit.

You can learn more about the daily and monthly cash, purchase, and transfer limits on your Acorns Checking account here.  

Your card is locked

You may also want to double check that your Acorns debit card isn't temporarily locked by checking your card settings in the app. You can learn more about this security feature here.

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