A friend of mine recently discovered that their bank's ATM has a $400 daily limit per customer. That isn't the account limit -- absurdly, that can be raised over the phone -- the ATM limit cannot be.

That's interesting. That may be new. I'm pretty sure I used to do 600 at a time, and I know I did 1200 at least once back in college.

Which is hilarious, in a tragic way, because I've almost always ended up as an outlier in most sets of data that I end up in. Nice to know somewhere along the way the powersthat be decided to make everyone's life even more miserably constrained, probably in the name of risk mitigation.

Feasibly, couldn't this be because they don't want one person to completely drain an ATM requiring another re-ship/restock?

For the gas station ones? Absolutely, that's a risky business. For a whole-ass bank that can reload the machine from behind? I don't really see it

Yeah, but even in a whole-ass bank if you empty out an ATM at night it's not being refilled until the next business day?