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NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
There are 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 largebanks:$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.
1.50%1.50% APY (annual percentage yield) with $0 minimum balance to earn stated APY. Accounts must have a positive balance to remain open. APY valid as of 07/29/2022.
1.50%Advertised Online Savings Account APY is accurate as of 08/02/2022
Min. balance for APY
$0
These cash accounts combine services and features similar to checking, savings and/or investment accounts in one product. Cash management accounts are typically offered by non-bank financial institutions.
These cash accounts combine services and features similar to checking, savings and/or investment accounts in one product. Cash management accounts are typically offered by non-bank financial institutions.
5.00%The Aspiration Save Account’s up to 5.00% Annual Percentage Yield (“APY”) with up to 71x the national interest rate is variable, subject to change, and only available to customers enrolled in Aspiration Plus after conditions are met. Customers not enrolled in Aspiration Plus receive 3.00% APY after conditions are met.
1.60%The annual percentage yield ("APY") on the deposit balances in Betterment Cash Reserve ("Cash Reserve") is 1.60% and represents the weighted average of the APY on deposit balances at the banks participating in Cash Reserve (the "Program Banks") and is current as of August 01, 2022. This APY is variable and subject to change daily. Deposit balances are not allocated equally among the participating Program Banks. A minimum deposit of $10 is required, but there is no minimum balance required to be maintained. The APY available to a customer may be lower if that customer designates a bank or banks as ineligible to receive deposits. APY applies only to Cash Reserve and does not apply to checking accounts held through Betterment Checking. Cash Reserve and Betterment Checking are separate offerings and are not linked accounts.
Min. balance for APY
$0
CDs (certificates of deposit) are a type of savings account with a fixed rate and term, and usually have higher interest rates than regular savings accounts.
CDs (certificates of deposit) are a type of savings account with a fixed rate and term, and usually have higher interest rates than regular savings accounts.
0.25%You’ll qualify for an annual percentage yield of 0.25% if you opt out of paper statements and have at least one electronic deposit made to your account each month, such as a direct, ATM or mobile deposit or a transfer from another financial institution.
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.
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
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.
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
Monthly fee: $0.
ATM fee reimbursement: Unlimited worldwide.
Cash deposits to ATMs: Yes, at NYCE and MoneyPass ATMs.
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
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.
Frequently asked questions
How much can you withdraw from a Chase ATM?
With your Chase ATM card, you can withdraw up to $3,000 per day from a Chase in-branch ATM. At other Chase ATMs, you can withdraw up to $1,000 per day for regular accounts and $3,000 per day for premium accounts.
What ATMs can you use with Chase?
You can use your Chase ATM card at Chase ATMs for free. At non-Chase ATMs in the continental U.S., Puerto Rico and the U.S. Virgin Islands, the fee is $3 per transaction. At ATMs outside of those areas, the fees are $5 for withdrawals and $3 for ATM inquiries and transfers. On top of that, ATM operators may charge a fee. For certain Chase customers, some ATM fees are waived.
Can you deposit cash at Chase ATMs?
Yes, you can deposit cash. There is no limit for the amount of cash you can deposit at a Chase ATM.
card, you can withdraw up to $3,000 per day from a Chase in-branch ATM. At other Chase ATMs, you can withdraw up to $1,000 per day for regular accounts and $3,000 per day for premium accounts.
What ATMs can you use with Chase?
You can use your Chase ATM card at Chase ATMs for free. At non-Chase ATMs in the continental U.S., Puerto Rico and the U.S. Virgin Islands, the fee is $3 per transaction. At ATMs outside of those areas, the fees are $5 for withdrawals and $3 for ATM inquiries and transfers. On top of that, ATM operators may charge a fee. For certain Chase customers, some ATM fees are waived.
Can you deposit cash at Chase ATMs?
Yes, you can deposit cash. There is no limit for the amount of cash you can deposit at a Chase ATM.
