What is the Chase ATM Limit? | Increasing Withdrawal Limits and Understanding Associated Factors

Whether you own a Chase checking account or a private client account, knowing the Chase ATM limit is necessary for all account holders. Even if the market is dominated by digital means of payment like online wallets and plastic cards, there is no replacement for cold, hard cash. 

Mostly, people think that the ATM limit is connected with their salary, as mentioned on their payslips. But that’s not an impact on the ATM withdrawal limit. 

So, let’s answer the common questions like what is the Chase Bank ATM withdrawal limit, how does this limit increases, and all factors affecting this limit.

What is the Default Chase ATM Limit? 

Being one of the top and well-known banks in the USA, knowing about the maximum withdrawal from a Chase ATM is beneficial for account holders. Your Chase bank ATM withdrawal limit is set at the time you get your ATM card, and it generally ranges between $500 and $3,000. It mainly depends on the ATM from which you are withdrawing. 

• A Chase ATM at Chase branches has a limit of up to $3,000. 
• A Chase ATM at non-Chase branches has a limit of up to $1,000. 
• A non-Chase ATM has a limit of up to $500. 

However, these limits can still vary depending on various factors. Thus, let’s head to the subsequent section and understand these factors thoroughly. 

Factors Affecting the Chase ATM Withdrawal Limits 

Apart from the withdrawal methods mentioned in the previous section, the following 3 are the factors affecting the Chase ATM daily withdrawal limit:

1. Card Type 

The type of ATM card for a Chase bank account is one of the most evident factors that can affect the ATM withdrawal limit. For example, the premium debit cardholders generally have higher withdrawal limits as compared to the standard debit card. 

2. Account Type

Another factor that can highly influence the max withdrawal from a Chase ATM is the type of account of the account holder. Chase bank accounts mainly come in three different account types, each of which has its ATM limits, as mentioned below: 

• Chase Total Checking Account: Limit up to $500.
• Chase Premium Plus Checking: Around $1,000 per day.
• Chase Private Client Account: Higher limits and sometimes exceeding the $2,000 per day limit, depending on the individual’s circumstances.

Due to the low withdrawal limit, customers close their Chase checking accounts and prefer other accounts. 

3. Account History 

Customers who have been connected with Chase for a considerable period, have positive relations, and have long-standing relationships are more likely to qualify for a higher withdrawal limit. 

To create such relations with the banking institutions, maintain a stable income, creditworthiness, and a good financial history. 

How to Check the Chase ATM Limit? 

If you own a Chase debit card and don’t know the daily withdrawal limit, follow up on the methods. 

• Account Documents: Once your Chase account is opened, you will receive your debit card and other documents. Carefully look into the documents as the Chase withdrawal limit is mentioned in them. 

• Online Banking: Account holders can also look into their withdrawal limits through Chase online banking or mobile banking. Just go to the account details and locate the debit card specifications to know how much you can withdraw from an ATM. 

• Chase Customer Service: If any of the above methods don’t help you know your ATM withdrawal limit, get in touch with customer care. They can help you know your daily limits. 

Increasing the Chase ATM Withdrawal Limit 

Once you reach your ATM withdrawal limit, getting cash out of the ATM is impossible until you do the following: 

• Request Customer Care: In cases where the withdrawal limit is reached, getting in touch with the authorities is the best option, as they hold control over setting and increasing the Chase ATM limit. Call customer care and ask for a raise in the withdrawal limit. 

• Use Chase ATMs: To get the highest Chase ATM daily withdrawal limit, start using the ATMs available at Chase branches during working hours. Any ATMs other than Chase have a lower limit.

Chase ATM Withdrawal Limit Charges 

Although Chase doesn’t charge any fee for meeting the Chase ATM withdrawal limits, it surely adds up to the cost of withdrawing from other ATMs on both a local and an international basis. 

1. Local Charges

The Chase account holders can make ATM withdrawals at zero charges, but the same from a non-Chase ATM charges a subsequent fee in the US, Puerto Rico, and the US Virgin Islands. This charge is around $3 incurred by Chase, excluding the additional charges imposed by the ATM operator. 

2. International Charges

Using your Chase debit card internationally for ATM withdrawals also requires a minimal fee of $5 for each transaction from a non-Chase ATM. In addition to that, the ATM operator might also charge an extra fee. Moreover, a foreign transaction fee of 3% is also charged on the transactions. 

Wrapping Up 

Chase doesn’t have a fixed ATM withdrawal limit for its debit cardholders. Its per-day withdrawal limit ranges between $500 and $3000, depending on account history, withdrawal method, account type, and card type. Moreover, if the withdrawal is made from a non-Chase ATM, an additional fee will also be charged for its services.