How to Take a Large Amount of Cash out of a Bank Account

Banks don't always keep large sums of cash on hand.

Banks don't always keep large sums of cash on hand.

There aren't any laws against taking large sums of cash out of your bank account. It's your money and you're entitled to get to it at any time. However, since many banks don't keep a lot of money on hand, you probably won't be able to go in and withdraw thousands of dollars at once in cash. In addition, if you withdraw $10,000 or more, you may need to fill out a transaction report to help your bank comply with federal regulations.

Fill out a withdrawal slip at your bank if you are withdrawing from a savings account. Typically, the withdrawal slip will have a space for your name, the date, your account number and the amount of money that you want to withdraw. Do not sign it. If you're looking to pull the money from a checking account, you can make a check out to yourself and ask to cash it.

Present the slip or check and a photo identification like a passport or driver's license to a bank teller, letting him or her know that you want to make your withdrawal in cash.

Sign the slip or endorse the check when requested. You may also need to slide your ATM card and enter your pin.

Ask to speak to a manager if the bank does not have cash on hand. Find out when it will be available. Return at that time, and repeat the process.


  • Banks that serve businesses in cash-heavy industries are more likely to have large sums of cash on hand, as are main branches. A branch in a supermarket probably won't have very much cash handy.


  • Instead of withdrawing large sums of cash, you can also take out large quantities of money in a cashier's check or transfer it to another bank through a wire transfer.

About the Author

Steve Lander has been a writer since 1996, with experience in the fields of financial services, real estate and technology. His work has appeared in trade publications such as the "Minnesota Real Estate Journal" and "Minnesota Multi-Housing Association Advocate." Lander holds a Bachelor of Arts in political science from Columbia University.

Photo Credits

  • Jupiterimages/ Images