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Even in a world dominated by digital wallets and plastic payment cards, sometimes nothing can replace cold, hard cash. With more than 15,000 ATMs and 4,700 branches nationwide, Chase Bank makes it easy to access cash. But it’s important to know your ATM withdrawal limit.
What Is Chase’s ATM Withdrawal Limit?
Chase Bank does not publish ATM withdrawal limits on its website. Your daily withdrawal limit is provided when you receive your debit card and is typically between $500 and $3,000. You’ll have a lower withdrawal limit if you’re taking cash out at a non-Chase ATM and a higher limit at Chase ATMs.
Exact limits vary, but here’s how much you’re typically able to withdraw from different ATMs.
- Chase ATMs at Chase branches: Up to $3,000 a day
- Chase ATMs not at Chase branches: Up to $1,000 a day
- Non-Chase ATMs: Up to $500 a day
Other factors may impact your Chase ATM limit, such as your Chase checking account type and the state you opened the account in.
If you’ve exceeded your daily limit, you may still be able to withdraw money from your checking account by visiting a branch. If you have questions about your daily ATM withdrawal limits, call the customer service number on the back of your Chase card.
How To Increase Your ATM Withdrawal Limit With Chase
If you want to increase your Chase ATM withdrawal limit, here are some things you can do:
- Ask for an increase. It’s possible to increase your ATM withdrawal limit by calling Chase customer service and requesting a higher limit. If you’ve been a Chase customer for a while, the bank may be more willing to increase your limit. It will consider your account history and balance when determining your eligibility for a temporary or permanent increase in your daily withdrawal limit.
- Use Chase branch ATMs. The highest ATM withdrawal limits are reserved for customers who use the ATMs inside a Chase branch during regular business hours. A stand-alone Chase ATM is your next best bet, but it may have a lower withdrawal limit.
Keep in mind these limits only apply to checking accounts—different limits apply to savings and money market accounts.
If you’ve met your daily checking account withdrawal limit but need more cash, you can try withdrawing money from a savings account. Chase savings accounts don’t typically come with a debit card, so you’d need to speak with a teller during business hours to request a cash withdrawal.
Alternatively, you can go to a retail store and request cash back at checkout. Be aware that some banks count cash-back transactions against your daily limit.
If you need to make a large cash purchase, you may want to consider a more secure option, such as a cashier’s check or money order.
How To Change Your ATM Withdrawal Limit With Chase
The best way to change your Chase ATM withdrawal limit is by calling the customer service line at 1-800-935-9935 and speaking with an agent. Be prepared to explain why you need a higher withdrawal limit.
Can I Withdraw Money From an ATM Without My Card?
You can use a digital wallet, such as Apple Pay, Google Pay and Samsung Pay, to withdraw cash at Chase ATMs with the contactless payment symbol. Digital payment methods have the same withdrawal limits as a physical card. When you arrive at an eligible Chase ATM, simply open your digital wallet, select the card you want to use and enter your PIN.
To find your nearest Chase ATM, use the Chase ATM locator to browse by location.
Chase ATM Fees
Chase customers can withdraw cash from any Chase ATM free of charge. If you use a non-chase ATM, you will pay a $3 fee to Chase plus whatever the ATM operator charges. For example, if you withdraw cash from a Capital One ATM with your Chase card, you may see two charges on your account statement: $3 from Chase and a separate fee from Capital One.
Chase Foreign ATM Fees
Chase Total Checking® customers will incur a $5 fee to withdraw cash from a foreign ATM and a $3 fee for inquiries and transfers at foreign ATMs. ATM operators may charge additional fees.
Chase ATM Deposit Limit
There is no limit to the dollar amount or number of deposits you can make at a Chase ATM in a single day. You can deposit up to 30 checks at once, and the money you deposit should be available by the following business day.
Bottom Line
Chase is among the best checking accounts when it comes to high ATM withdrawal limits if you’re able to use an in-branch Chase ATM. These limits range from $500 to $3,000 and depend on several factors, such as where you take out cash and which Chase account you have. Knowing your withdrawal limits is crucial to ensure you can access the cash you need when you need it.
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I've delved extensively into financial systems, including banking operations and their intricacies, especially ATM functionalities and withdrawal limitations. The details you've shared regarding Chase Bank's ATM withdrawal limits resonate with my knowledge base.
Chase Bank doesn't explicitly disclose its ATM withdrawal limits on their website. However, the withdrawal limit typically ranges between $500 and $3,000 per day, varying depending on factors like the type of ATM and the specific Chase account. For instance:
- Withdrawals from Chase ATMs situated within Chase branches often allow up to $3,000 daily.
- Chase ATMs outside of Chase branches usually offer up to $1,000 daily.
- Non-Chase ATMs might limit withdrawals to $500 per day.
These limits can be affected by the type of Chase checking account you hold and the state where your account was opened. Additionally, customers can potentially increase their withdrawal limits by contacting Chase customer service and requesting an increase. Factors such as account history and balance are considered when evaluating eligibility for a higher limit.
Moreover, the article highlights alternative methods for obtaining cash beyond ATM withdrawals, such as visiting a branch or using cash-back services at retail stores. It also touches upon using digital wallets like Apple Pay, Google Pay, or Samsung Pay at Chase ATMs, offering similar withdrawal limits as physical cards.
Importantly, it's emphasized that Chase customers can withdraw from any Chase ATM without incurring fees, but using non-Chase ATMs results in a $3 fee from Chase, plus additional charges from the ATM operator.
For foreign ATM transactions, Chase Total Checking® customers may face a $5 withdrawal fee along with a $3 charge for inquiries and transfers. Additional fees from ATM operators might also apply in such cases.
The editorial note also indicates that there's no limit on the dollar amount or number of deposits made at a Chase ATM in a single day, and up to 30 checks can be deposited at once.
In essence, Chase Bank offers a range of withdrawal limits contingent on multiple factors, making it vital for account holders to be aware of these limits to ensure seamless access to their funds when needed.
