Chase daily ATM limits start at $500 for basic accounts and go up to $3,000 for Premier clients. Your exact limit depends on your account type and how long you’ve been a Chase customer.
Here’s exactly what you need to know to plan around your Chase ATM limit.
Chase ATM Withdrawal Limits by Account
| Chase Account | Daily ATM Withdrawal Limit |
|---|---|
| Chase Secure Banking | $500 |
| Chase Total Checking | $500–$1,000 |
| Chase Premier Plus Checking | $1,000–$2,000 |
| Chase Sapphire Banking | Up to $2,000 |
| Chase Private Client | Up to $3,000 |
| Chase College Checking | $500 |
| Chase High School Checking | $100–$200 |
New accounts typically start at the lower end of the range and may increase after 90–180 days of good standing.
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.
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:
- Upgrading your account tier (e.g., moving to Premier Plus or Sapphire Banking)
- 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.
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, Sapphire) | First few free/month + ATM fee rebate |
| International ATM withdrawal | $5.00 + 3% foreign exchange fee |
Chase has 16,000+ ATMs nationwide. Use the Chase ATM locator in the app to avoid fees.
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 |
Chase vs. Other Banks: ATM Limits
| Bank | Standard Limit |
|---|---|
| Chase | $500–$1,000 |
| Bank of America | $1,000 |
| Wells Fargo | $300–$1,000 |
| Citi | $1,000–$2,000 |
| Capital One 360 | $1,000 |
| Charles Schwab | Unlimited |
Chase’s limits are middle-of-the-road compared to competitors. Schwab and Fidelity offer unlimited ATM access if you frequently need more.
Bottom Line
For most Chase customers, the $500–$1,000 daily ATM limit 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: Upgrade to a Chase Premier Plus or Sapphire Banking account