Chase daily ATM limits depend on your card type and the type of ATM, not your account. A standard debit card allows $3,000 at in-branch Chase ATMs, $1,000 at other Chase ATMs and $500 at non-Chase ATMs.
Here’s exactly what you need to know to plan around your Chase ATM limit.
Chase ATM Withdrawal Limits by Card
| Chase Debit Card | In-Branch Chase ATM | Other Chase ATM | Non-Chase ATM |
|---|---|---|---|
| Standard Chase debit card | $3,000 | $1,000 | $500 ($1,000 in CT, NJ, NY) |
| Chase Sapphire Banking debit card | $3,000 | $3,000 | $1,000 ($2,000 in CT, NJ, NY) |
| Chase Private Client debit card | $3,000 | $3,000 | $2,000 |
| Chase First Banking debit card | $100 | $100 | $100 |
Chase says daily limits come with your card and are based on card type and ATM type, not the account you have. You can contact Chase to request a different ATM limit, subject to approval.
The limits above apply only to ATM cash withdrawals. Debit card purchases have a separate, typically higher limit — the Chase bank fees guide covers the full account fee schedule, purchase limits, and monthly maintenance fee waiver thresholds for each account tier. To see how Chase compares to every other major bank, see ATM withdrawal limits by bank.
What Counts Toward Your Chase ATM Limit
Counts toward limit:
- Cash from Chase ATMs
- Cash from non-Chase ATMs
- Cash back at retailers (for some accounts)
Does NOT count toward ATM limit:
- Debit card purchases (separate limit)
- Teller cash withdrawals at a Chase branch
- Wire transfers
- Zelle payments
How to Find Your Exact Chase ATM Limit
- Chase Mobile App → Your account → Account details → Spending limits
- Chase Online → Account services → Debit card management
- Call Chase: 1-800-935-9935
- Visit a branch and ask a banker
New accounts may not show limits in the app — call to confirm. If you’re also setting up direct deposit or transfers, the Chase routing number varies by state — confirm the correct one before initiating any ACH or wire.
How to Increase Your Chase ATM Limit
Temporary Increase (Most Common)
Call 1-800-935-9935 and tell them:
- How much you need
- Why (travel, car purchase, home repair, etc.)
- The specific date range
Chase typically approves temporary increases same-day. The limit automatically reverts after your stated period.
Permanent Increase
Higher permanent limits usually require:
- Asking Chase for a different ATM limit, which is subject to approval
- Maintaining a higher average daily balance
- Having a longer banking relationship with Chase
In-Branch Approach
For same-day large cash needs, visit any Chase branch with your ID. Teller withdrawals have no ATM limit and are the fastest solution for urgent large cash needs. For amounts in the tens of thousands — such as a down payment or business transaction — a wire transfer is safer than moving large amounts of cash; the Chase transfer limit guide covers Chase’s $100,000 daily online wire limit and how to go higher in-branch.
Chase ATM Limit Reset Time
Chase daily ATM limits reset at midnight Eastern Time every day.
If you hit your limit at 10 PM and need cash agan, you have two options:
- Wait until midnight ET
- Visit a Chase branch for a teller withdrawal (no ATM limit applies)
Chase ATM Network & Fees
| Situation | Fee |
|---|---|
| Chase ATM (any account) | Free |
| Non-Chase ATM (Total Checking) | $3.00 + ATM owner fee |
| Non-Chase ATM (Premier Plus) | No Chase fee; ATM owner fee still applies |
| Non-Chase ATM (Private Client; Sapphire, no longer for sale) | No Chase fee; ATM owner fees refunded |
| International ATM withdrawal | $5.00 + 3% foreign exchange fee |
Chase has more than 14,000 ATMs nationwide. Use the Chase ATM locator in the app to avoid fees. If you frequently use ATMs outside the Chase network, the best banks with no ATM fees guide covers banks and credit unions that reimburse all ATM surcharges regardless of network. For Chase’s full fee schedule — including the non-Chase ATM fee, overdraft fee, and monthly maintenance fee waiver thresholds — see the Chase fees guide.
When You Need More Than $500–$1,000
| Situation | Best Approach |
|---|---|
| Large cash need today | Branch teller withdrawal |
| Recurring need for more | Call to permanently increase your limit |
| Traveling internationally | Call Chase, request increase for travel dates |
| Buying a car | Cashier’s check or wire from Chase is better |
| Home contractor payment | Wire transfer or certified check |
For smaller urgent transfers that don’t require cash — paying a friend, splitting expenses, or sending money quickly — Zelle limits covers Chase’s Zelle sending caps, which are separate from ATM and wire limits.
Chase vs. Other Banks: ATM Limits
| Bank | Standard Limit |
|---|---|
| Chase | $1,000 at other Chase ATMs ($3,000 at in-branch ATMs); $500 at non-Chase ATMs ($1,000 in CT, NJ, NY) (by card type) |
| Bank of America | Not published |
| Wells Fargo | Not published |
| Citi | $1,500 (non-relationship) |
| Capital One 360 | $2,000 |
| Charles Schwab | $1,000 |
Chase’s limits are in the same range as competitors that publish theirs. Schwab and Fidelity reimburse ATM operator fees if you use out-of-network ATMs often. For a broader Chase vs. Bank of America comparison on fees, accounts, and rewards, see Chase vs. Bank of America. For Chase’s $34 overdraft fee and how to avoid it, the Chase fees guide covers the Overdraft Assist grace period and waiver options.
Bottom Line
For most Chase customers, the daily limit on their card is sufficient. If you need more:
- Same day: Visit a branch for a teller withdrawal
- Planned need: Call 1-800-935-9935 a day ahead for a temporary increase
- Ongoing need: Ask Chase about a different ATM limit (subject to approval), or a Private Client card
For a full overview of Chase accounts, fees, transfer limits, and contact information, see the Chase complete guide.
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