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There are about 16,000 Chase ATMs in more than 40 states and Washington, D.C., making the ATM network one of the largest among banks in the U.S. But Chase ATM services and fees are average compared with those at other big banks.
See what makes Chase ATMs great and where they fall short.
Chase's ATMs offer standard services, including free balance inquiries, cash withdrawals and transfers between linked accounts. Most Chase ATMs also accept deposits, such as cash and checks, for free.
Chase ATMs offer some convenient features, such as the ability to make credit card payments and schedule cash withdrawals that don’t require your debit card.
Chase’s ATM fees for Chase Total Checking® customers are comparable with those charged by other large banks: $3 per transaction at non-Chase ATMs in the U.S., $5 for international ATM withdrawals and $3 for international ATM inquiries and transfers. ATM operators may charge a fee, as well.
Like other large banks, Chase waives some ATM fees for certain customers: Chase Premier Plus Checking℠ customers get four fees waived per month at non-Chase ATMs. Chase Sapphire℠ Checking users have no Chase ATM fees and receive refunds of non-Chase ATM fees charged by the machine owner.
Chase ATMs vs. other banks
Chase's ATM network is impressive, but it’s no match for Citibank, which gives its customers free access to over 65,000 ATMs nationwide (read NerdWallet’s Citibank review here). In comparison, Bank of America has about 17,000 ATMs and Wells Fargo has over 13,000.
NerdWallet's favorite checking accounts for ATM access
Here's a closer look at Axos Rewards Checking, LendingClub Rewards Checking and Charles Schwab High Yield Investor Checking. All three offer ATM fee reimbursements.
Charles Schwab Bank
» Looking for other options? Check out our list of the best national banks
Outside the Chase network, fees can add up
If you live in Chase’s service area, you'll have plenty of ATMs. But if you live outside an area and regularly use out-of-network ATMs, the fees could add up quickly.
To avoid ATM costs, get cash back at grocery stores or retail checkouts. For a longer-term solution, consider the best banks for ATMs or a credit union in the Co-op network. Over 1,000 credit unions are part of this nationwide network of about 30,000 fee-free ATMs.