If you’re a Chase®¹ checking or credit card customer, you may be wondering: what is the Chase ATM withdrawal limit for my card?
Chase withdrawal limits can vary between card types, and you’ll also have to bear in mind that there are limits imposed by individual ATM operators, too.
This guide walks through how to find your Chase withdrawal limit, as well as some of the fees to bear in mind when you use your Chase card.
What are Chase's ATM withdrawal limits?
Chase uses varying ATM withdrawal limits which can depend on your specific account type². You can find your Chase ATM withdrawal limit in the cardholder agreement which is mailed to you when you receive your card, or by logging into your online banking service. You can also call into a Chase location to learn more if you need to.
Chase limits can be different depending on your account but also whether you’re using a Chase ATM or one provided by another bank. Fees vary based on the type of ATM you use too - which we’ll cover later.
While Chase ATM limits do vary, they can be as high as 3,000 USD per day on some accounts, according to online reports. However, it’s important to note that there may also be a limit set by the ATM operator.
While different ATMs have their own limits per withdrawal, it’s often significantly lower than 3,000 USD. That’s simply so that the ATM doesn’t run out of cash before it can be restocked.
How to check your limits
Your Chase ATM limits are shown in your cardholder agreement. You’ll be sent a copy of this when you receive your Chase credit or debit card. You can also view your limits by logging into your digital banking services online or in the Chase app.
Can you change or increase your Chase ATM withdrawal limit?
Whether or not you can change your Chase ATM withdrawal limits might depend on the card type you have. It’s possible to manage aspects of your Chase account through your online banking³, including setting quick cash preferences, the language you want ATMs to use, and whether or not you need a printed receipt when withdrawing.
You’ll be able to see if you can change your withdrawal limits by logging into Chase online or in-app, and navigating to the card section.
Are the Chase ATM limits the same in the US and abroad?
Chase ATM limits can depend on your account and the ATM type. This means that your specific account might have different limits based on whether you’re using a US based, Chase ATM, or whether you’re abroad.
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When do the Chase ATM withdrawal limits reset?
Chase ATM limits are set on a daily basis. You’ll be able to see the exact withdrawal reset time by logging into your Chase account online.
Chase withdrawal fees and charges
The exact fee you pay to make a Chase ATM withdrawal can vary depending on the account you choose. To give an example, we’ll look at the Chase withdrawal fees for the popular Chase Total Checking account⁴.
However, you’ll need to take a look at the card agreement that came with your debit or credit card to double check the exact details for your specific account.
Local ATM fees
Chase Total Checking customers can make ATM withdrawals with their debit card, at a Chase ATM in the US for free. If you use a non-Chase ATM in the US, Puerto Rico and the US Virgin Islands you’ll pay a 3 USD Chase fee. Other fees may be applied by the ATM operator.
International ATM fees
Using your Chase debit card in an ATM anywhere other than the US, Puerto Rico and the US Virgin Islands comes with a 5 USD fee. In addition, ATM operators might add their own charges here, which are usually shown on the ATM screen before you confirm your withdrawal.
You may also have to pay a foreign transaction fee when you make cash withdrawals overseas with Chase. This is usually 3% for the Chase Total Checking Account.
Chase uses ATM withdrawal limits to keep customers and their accounts safe. However, as Chase offers lots of different account and card products based on customer needs, you’ll have to review your specific cardholder agreement to check the limits which apply on your particular card.
Sources:
Sources checked on 05.09.2024
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