Chase ATM Network Review

Kelsey Sheehy
By Kelsey Sheehy 
Updated
Edited by Margarette Burnette
GettyImages-1204922185-banking/chase-atm-network-review

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Chase Total Checking®
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at Chase, Member FDIC

There are more than 15,000 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 withdrawal at non-Chase ATMs in the U.S., Puerto Rico and the U.S. Virgin Islands, and $5 per withdrawal at non-Chase ATMs outside of the U.S., Puerto Rico and the U.S. Virgin Islands. 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.

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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, Wells Fargo has over 11,000.

» 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.

Frequently asked questions

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.

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.

Yes, you can deposit cash. There is no limit for the amount of cash you can deposit at a Chase ATM.

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