Chase ATM Network Review

Kelsey SheehyAugust 28, 2020
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Chase Total Checking®
NerdWallet rating 

at Chase, Member FDIC

There are 16,000 Chase ATMs in more than 30 states and D.C., making the ATM network one of the largest among banks in the United States. 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’s ATM fees for Chase Total Checking® customers are comparable to those charged by other large banks: $2.50 per transaction at non-Chase ATMs in the United States, $5 for international ATM withdrawals and $2.50 for international ATM inquiries and transfers. ATM operators may charge their own 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 in the U.S. 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 60,000 ATMs nationwide (read NerdWallet’s Citibank review here). In comparison, Bank of America has 16,000 ATMs and Wells Fargo has 13,000.

NerdWallet's favorite checking accounts for ATM access

Here's a closer look at Axos Rewards Checking, Radius Rewards Checking and Charles Schwab High Yield Investor Checking. All three offer ATM fee reimbursements.

Axos Bank® Rewards Checking
NerdWallet rating 

at Axos Bank®, Member FDIC

  • Monthly fee: $0

  • ATM fee reimbursement: Unlimited in the U.S.

  • Cash deposits to ATMs: Yes; $4.95 fee to deposit cash with affiliated retailers.

Radius Rewards Checking
NerdWallet rating 

at Radius, Member FDIC

  • Monthly fee: $0.

  • ATM fee reimbursement: Unlimited worldwide.

  • Cash deposits to ATMs: Yes, at NYCE and MoneyPass ATMs.

Schwab Bank High Yield Investor Checking®
NerdWallet rating 
Read review

  • Monthly fee: $0.

  • ATM fee reimbursement: Unlimited worldwide.

  • Cash deposits to ATMs: No.

» 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 the 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. A few thousand credit unions are part of this nationwide network of about 30,000 fee-free ATMs.

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