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.
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:
- 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. 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, 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. 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 | $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. 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 $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
For a full overview of Chase accounts, fees, transfer limits, and contact information, see the Chase complete guide.
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