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ATMs are extremely convenient and allow you to withdraw cash as well as make deposits with both cash and checks. But banks set certain limits for your withdrawals and Chase is no different. In this article, I’ll tell you everything you need to know about Chase ATM withdrawal limits, including when they reset, how to get increases, and how to avoid certain fees. I’ll also cover making ATM deposits as well.
What is the Chase ATM withdrawal limit?
For many Chase checking accounts your withdrawal limit will be $500 to $1,000 per day and your purchase limit will be $3,000 to $7,500 per day. However, you can take advantage of higher withdrawal limits by going in-branch during business hours.
If you actually go to a Chase branch while it’s open during business hours you can usually withdraw much higher limits from the ATMs. In my case, my usual $500 daily limit goes all the way up to $3,000 so the limit can be substantially higher.
The in-branch limit is separate from the non-branch ATMs. So you should be able to withdraw $3,000 from inside a branch and then head over to a Chase ATM machine (not located at a branch) and withdraw another $500 since the limits are separate.
However, the in-branch limit applies across all of your Chase debit cards so it wouldn’t be possible for you to withdraw $3,000 with one debit card in-branch and then to go back to Chase and attempt to withdraw $3,000 in-branch with debit card #2 on the same day.
Also, keep in mind that the Chase ATM withdrawal limit varies based on the type of checking account that you have and possibly on the state that you opened up your account in. For the most accurate information, simply call the number on the back of your debit card for more information. But if you’d like to see what the limits are for some Chase checking accounts keep reading.
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When does the Chase ATM withdrawal limit reset?
The Chase ATM withdrawal limit will be reset every 24 hours so you’ll be able to withdraw $500 or $1,000 on consecutive days if you’d like. The exact time that the reset takes place is at midnight Eastern Standard Time (EST) so plan your withdraws accordingly.
What is the international withdrawal limit?
The the international withdrawal limit should be the same as the limit you have at home. But keep in mind that you’ll be charged fees for the foreign transaction unless you have a certain type of account like Chase Private Client.
If you are traveling out of state like from California to New York, you should also have the same withdrawal limits for ATMs. In some cases, you might be limited to lower limits at non-Chase ATMs. For example, you could be limited to $500 for non-Chase ATMs if your limits would otherwise be at $1,000. So once again, it’s a good idea to call the number on the back of your debit card for more details.
Chase withdrawal limit increase
It is possible for you to get a withdrawal limit increase with Chase. These can happen in two different types of ways. The first is that you are given a temporary increase. These are handy when you only need to pull out more for a big event or some other type of spending need. Getting a temporary increase usually isn’t that difficult, especially if you can provide Chase with a specific reason for why you need it.
The second type of increase is a permanent increase. In order to get a permanent increase you’ll likely need to keep a certain amount of funds in your bank account (such as $1,000 every day). Thus, these type of increases will be a little tougher to get.
The amount that you can get increased to varies by customer. In some cases you might be able to increase your daily limit from $500 to $1,000 but in other cases it might be a smaller or larger amount.
If you’re able to sign-up for a Chase Sapphire banking account or Chase Private Client account you can also get higher limits for your withdrawals. For example, with Chase Private Client you might be able to pull out up to $2,000 or even $3,000 depending on the location. Also, your daily purchase limit will likely be higher at around $7,500.
Other options with higher limits include the Premium Platinum Debit Card with limits of $3,000 at Chase ATMs.
If you’d like to request a higher limit simply call the Chase customer service phone number at: 1-800-935-9935.
Similar to getting a credit limit increase, it will help if you can explain to the agent why you need an increased limit.
Student card ATM withdrawal limits
If you have one of the student cards issued by Chase like a High School debit card your limits may be much lower. For example, your withdrawal limit might be capped at $500 and your purchase limit might be even lower. Some cards for students are strictly ATM cards and can’t be used on purchases at all so keep that in mind.
Non-ATM (teller) withdrawals
Remember that you can always go in-branch to a teller in order to pull more funds out of your bank account. If you bypass the ATMs and deal directly with a teller, you should not have any limits on the amount that you can withdraw.
And if you can’t make it to a bank, consider going into a place like a grocery store to pull out cash back after your purchase. Many people but something like a drink or pack of gum and then request cash back. Just be aware that you’ll be limited by how much cash back you can get.
Chase withdrawal ATM fees
If you have a standard Chase Total Checking account you’ll have to pay fees for non-Chase ATMs. These are ATMs that do not have Chase branded on them and belong to other banks. However, you can avoid some of these fees with other account types and you can read more about those below.
Keep in mind that just because you are not charged a fee from Chase, that doesn’t mean you’re off the hook. The ATM owner may still impose a fee on you (although again you can get this refunded with certain types of accounts like Sapphire and Private Client).
Chase Total Checking
- $2.50 for any inquiries, transfers or withdrawals while using a non-Chase ATM in the U.S., Puerto Rico and the U.S. Virgin Islands. Fees from the ATM owner still apply.
- $5 per withdrawal and $2.50 for any transfers or inquiries at ATMs outside the U.S., Puerto Rico and the U.S. Virgin Islands.
Chase Premier Checking
- $0 for the first four inquiries, transfers or withdrawals each statement period at a non-Chase ATM. Fees from the ATM owner still apply. A Foreign Exchange Rate Adjustment Fee from Chase will apply for ATM withdrawals in a currency other than U.S. dollars.
- $2.50 for any additional inquiries, transfers or withdrawals over four while using a non-Chase ATM in the U.S., Puerto Rico and the U.S. Virgin Islands. Fees from the ATM owner still apply.
- $5 per withdrawal and $2.50 for any transfers or inquiries at ATMs outside the U.S., Puerto Rico and the U.S. Virgin Islands (the $5 withdrawal or $2.50 Transfer or Inquiry Fee can be waived as part of the first four inquiries, transfers or withdrawals). Fees from the ATM owner still apply.
Chase Sapphire and Private Client
- No withdrawal fees worldwide
Find a Chase ATM
If you’re looking for a Chase ATM you can find one near you here. Some ATMs might be cardless which means that you can use a mobile wallet like Apple Pay, Samsung Pay, or Google Pay to make transactions at Chase ATMs. Look for the cardless logo to see where these are located.
In addition to withdrawing funds, you can also deposit checks and cash at Chase ATMs. Many of the ATMs are open 24 hours a day so this is a great way to deposit your funds at all hours (though remember that you can use the Chase mobile App to make deposits as well). You can also make transfers, view your balances, see your recent transactions and in the future you will be able to make payments to your credit card.
Chase ATM deposit limits
The limits for depositing at ATMs are as follows: you can deposit up to 30 checks and 50 bills at a time at select ATMs. If you need to order Chase checks or find out more about ordering those checks you can click here. Also, if you need to find out more about how to make transfers with Chase Quick Pay read on here.
Keep in mind that if you make a deposit with a check, you may only have limited access to your funds the next day. For example, you might only have access to $200 the next day until your check clears.
Chase has some pretty standard limits for ATM withdrawals. But if you’d like to up your limits you can also make a special request to a customer service agent and possibly get your limits increased from $500 to $1,000. Also, some Chase accounts allow you to have higher withdraw limits and also come with lower fees, so check those out.
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Daniel Gillaspia is the Founder of UponArriving.com and creator of the credit card app, WalletFlo. He is a former attorney turned full-time credit card rewards/travel expert and has earned and redeemed millions of miles to travel the globe. Since 2014, his content has been featured in major publications such as National Geographic, Smithsonian Magazine, Forbes, CNBC, US News, and Business Insider. Find his full bio here.