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Kelsey Sheehy Senior Writer | Small business, personal finance
Kelsey Sheehy is a senior writer and NerdWallet authority on small business. She started at NerdWallet in 2015 and spent six years as a personal finance writer and spokesperson before switching gears to cover the financial decisions and challenges faced by small-business owners. Kelsey’s work has appeared in The New York Times, The Washington Post, Nasdaq and MarketWatch, among other publications. She also writes a column about millennials and money for The Associated Press along with a handful of other NerdWallet writers. Kelsey has appeared on the "Today" show, NBC News and ABC’s "World News Tonight" and has been quoted by the Los Angeles Times, CNBC, American Banker, NPR and Vice, among other publications. Prior to joining NerdWallet, Kelsey covered college (and how to pay for it) for U.S. News & World Report. She is based in Washington, D.C.
Margarette Burnette is a savings expert who has been writing about bank accounts since before the Great Recession. Her work has been featured in <a href="https://apnews.com/article/6dc7efc9690e4cc993221f87334f3385">The Associated Press</a>, <a href="https://www.usatoday.com/story/money/personalfinance/2019/03/26/banks-promotional-offers-give-bonus-savings-checking-accounts/3210547002/">USA Today</a> and other major newspapers. Before joining NerdWallet, Margarette was a freelance journalist with bylines in magazines such as Good Housekeeping, <a href="https://www.blackenterprise.com/accelerated-assistance/">Black Enterprise</a> and Parenting. She has a bachelor's degree in business administration from the University of North Carolina at Chapel Hill.
Email: <a href="mailto:[email protected]">[email protected]</a>.
Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
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 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 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.
3.75%SoFi members with direct deposit can earn up to 3.75% annual percentage yield (APY) on savings balances (including Vaults) and 2.50% APY on checking balances. There is no minimum direct deposit amount required to qualify for the 3.75% APY for savings and 2.50% APY for checking balances. Members without direct deposit will earn 1.20% APY on all account balances in checking and savings (including Vaults). Interest rates are variable and subject to change at any time. These rates are current as of 01/04/2023. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet
3.30%3.30% 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 12/21/2022.
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.
3.75%Annual percentage yield (variable) is as of 12/09/2022.
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.
2.50%SoFi members with direct deposit can earn up to 3.75% annual percentage yield (APY) on savings balances (including Vaults) and 2.50% APY on checking balances. There is no minimum direct deposit amount required to qualify for the 3.75% APY for savings and 2.50% APY for checking balances. Members without direct deposit will earn 1.20% APY on all account balances in checking and savings (including Vaults). Interest rates are variable and subject to change at any time. These rates are current as of 01/04/2023. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet
1.25%Receive monthly direct deposits totaling $1,500 or more to earn 0.40% APY. Use your Axos Visa® Debit Card for a total of 10 transactions per month (min $3 per transaction) or sign up for Account Aggregation/Personal Finance Manager (PFM) in Online Banking to earn 0.30% APY. Maintain an average daily balance of $2,500 per month in an Axos Managed Portfolios Invest Account to earn 0.20% APY. Maintain an average daily balance of $2,500 per month in an Axos Self Directed Trading Invest Account to earn 0.20% APY. Use your Rewards Checking account to make your full monthly Axos consumer loan payment to earn 0.15% APY.
Monthly fee
$0
Money market accounts pay rates similar to savings accounts and have some checking features.
Money market accounts pay rates similar to savings accounts and have some checking features.
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.
