Using an ATM is the second most popular way for Americans to bank, with 75 percent of customers using this method, according to the Federal Reserve’s Consumers and Mobile Financial Services 2016 report. So knowing the answer to the question “How much can you take out of an ATM?” is important. Even if you don’t regularly need large sums of cash, it’s good to know your maximum ATM withdrawal limit — and how to get more cash if you’ve already reached your limit.

According to GoBankingRates’ research, the average withdrawal limit among 20 banks across the country is approximately $972, and limits vary by bank and account. Here’s a quick look at the ATM withdrawal limits of some national banks:

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Bank ATM Withdrawal Limit Limit Details

Banks With the Highest ATM Withdrawal Limits

The Chase ATM withdrawal limit is $3,000, which is almost eight times First Citizens Bank’s $400 cap. The PNC ATM withdrawal limit can be as high as $2,000 — depending on the type of account you have. The Bank of America ATM withdrawal limit is $1,000, the same as the Ally, Capital One, Charles Schwab, TD Bank and Citibank ATM withdrawal limits.

Banks With the Lowest ATM Withdrawal Limits

Some banks, such as Bank5 Connect and State Farm Bank, have their maximum withdrawal from ATMs set at $500. First Citizen’s Bank has the lowest ceiling when it comes to withdrawing money — the maximum is $400.

Sometimes even big banks have low limits. Although Wells Fargo customers won’t pay ATM fees for taking out money from a Wells Fargo ATM, they also won’t be able to withdraw much. The Wells Fargo ATM withdrawal limit is set at $500, depending on the account.

The drawback of low limits like these is that you must plan in advance if you’re going to withdraw money from your account.

How to Get Cash If You’ve Reached Your Withdrawal Limit

If you’re trying to make a big purchase or need a large amount of cash for any reason, your needs might surpass your maximum withdrawal allowance from an ATM. But just because you’ve maxed out your withdrawal at the limit ATM doesn’t mean you can’t get more cash. Here are three workarounds to getting more cash if you’ve reached your ATM withdrawal limit.

Get Cash With an ATM Card Purchase

One simple way to bypass withdrawal limits is to get cash from retail stores with your purchase transaction. Walmart, for example, has no minimum limit on purchases and allows customers to get up to $100 cash back on each purchase. This means you can buy a pack of gum and ask for $100 back when you pay with your debit ATM card. Be sure to choose the “debit card” option on the keypad, otherwise, you might not be offered cash back. Note that cash-back limits vary by retailer.

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Increase Your Maximum ATM Withdrawal Limit Online or By Phone

Some banks let you increase your ATM withdrawal maximum online. As a Bank of America account holder, you can sign in to online banking and manually set your spending maximum withdrawal amount.

Otherwise, you can call your financial institution and request a higher limit on your ATM withdrawals. TD Bank and Ally Bank both boast 24/7 live customer service, which can be helpful when you need cash outside of normal business hours.

Visit Your Bank

Unless you bank with an exclusively online bank, you have the option of visiting a branch to withdraw money. If you need a sum that exceeds ATM withdrawal limits, visiting a teller during bank hours might be the surest way to get the cash you need. Because it’s your money, the only limit to how much you can withdraw in person is how much you have in your account. Bring the proper ID to the bank, which usually requires a picture ID such as a driver’s license or passport.

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Having cash on hand can be helpful — especially if your bank sets low daily withdrawal limits. For money for a last-minute purchase or funds to deal with an emergency, being prepared ahead of time is better than scrambling for money at the last minute. Extra cash should be part of everyone’s disaster preparedness kit, according to the Center for Disease Control and Prevention. That said, it’s good to know where and how you can get those extra dollars when the ATM denies you.

This article originally appeared on GoBankingRates.