Chase ATM Withdrawal Limit: Everything You Need to Know

Curious about how much you can withdraw from your Chase card at a local ATM? The answer is a bit more complex than it seems. Your Chase ATM withdrawal limit doesn’t just depend on your card type; the ATM you use will also impact the maximum amount you can take out.

Keep reading to learn more about Chase Bank ATM withdrawal limit, what factors affect it, and how you can bump up your limit if needed.

Standard ATM Withdrawal Limits for Chase Accounts

The type of Chase accounts you hold plays a big role in determining how much money you can pull out from an ATM. Below is the general information and a quick breakdown based on different accounts.

Regardless of your deposit size, the typical ATM withdrawal limit for a Chase Total Checking account ranges from $500 to $1,000. If you have a Premier Plus or a Sapphire Checking account from Chase, you’ll enjoy higher withdrawal thresholds. They generally vary between $2,000 and $3,000.

For Business Checking or Chase Private Client accounts, limits are even more generous, often going up to $3,000.

Keep in mind that these thresholds apply specifically to Chase-branded ATMs. Note that you get lower thresholds if you’re using an out-of-network ATM, you’ll face lower limits. For instance, if you withdraw money from a non-Chase ATM, be prepared that your threshold will be reduced to around $500. Moreover, if you use a non-branded ATM in the United States, Virgin Islands, or Puerto Rico, you will also be charged a $3 fee per transaction.

For those who want to access funds from a Chase savings account, it’s best to visit a Chase branch rather than using an ATM, as most Chase savings accounts aren’t equipped with debit cards.

Factors That Affect Chase ATM Withdrawal Limits

Wondering what influences how much cash you can pull out from an ATM in a single day? Here are the main factors that come into play:

• Account Type: If you have a standard Chase checking account, your ATM withdrawal limit is likely on the lower end. Bank customers with business or premier accounts, however, can generally access higher amounts at once.
• Relationship with the Bank: Building a strong, long-term relationship with Chase can work in your favor. If you’re seen as a reliable client and have maintained your account for some time, you will have a better chance of increasing your Chase ATM max withdrawal limit.
• Card-Specific Limits: Remember that your particular credit or debit card also comes with its own daily withdrawal cap. You can easily check this information in your online bank account or the paperwork mailed to you.

How to Increase Your Chase Withdrawal Limit

If you need cash for a big purchase coming up or simply need more cash on hand, you might want to consider increasing your Chase daily withdrawal limit. Here are a few approaches to achieve this.

Contact Customer Service

The quickest way available to snag a temporary limit increase is to reach out to customer support. You can either call the number on the back of your card or the general Chase support line at 1-800-935-9935.

Keep in mind that you will need to explain the reason why you’re requesting a limit increase. Also, having your bank account in good standing and being a longstanding customer will improve your odds. Alternatively, you can speak to a bank representative in person at a branch.

If approved, your new threshold could take effect right away.

Switching to a Premium Account

If you need a permanent limit increase, simply asking customer support won’t cut it. To secure a higher limit, you’d need to upgrade to one of Chase’s premium accounts that come with higher withdrawal thresholds.

Daily Debit Card Limits vs. ATM Withdrawal Limits

All the different card limits can be tricky to sort out. In addition to ATM fund withdrawal thresholds, Chase also sets a daily limit on debit card purchases to protect your funds if your card is lost or stolen.

While the Chase ATM limit per day can go up to $3,000, the bank’s daily debit card purchase limit varies from $400 to $3,000 depending on factors like account type and history.

For example, your checking account has a $500 daily ATM withdrawal limit and a $450 debit card limit, you can only spend up to $450 on purchases using a card and withdraw up to $500 from an ATM each day. These are two separate thresholds, and they may or may not align.

Similarly to an ATM withdrawal increase, you can request a debit card spending limit increase by contacting customer support or visiting a branch.

Comparison with Other Banks’ ATM Withdrawal Limits

ATM withdrawal limits vary significantly across banks, each with its own set of restrictions on how much cash you can access daily. Here’s how Chase stacks up against some major banks:

• Bank of America: The maximum amount you can withdraw from an ATM is $1,000, though withdrawals are capped at 60 bills per transaction.
• Discover Bank: This bank offers a more generous daily ATM withdrawal limit of $2,000.
• American Express Bank: Here, ATM withdrawals are limited to $1,000 per day.
• Wells Fargo: Limits can vary, but most standard account holders can only withdraw around $300 a day.
• Citibank: Customers with regular checking accounts have a daily limit of up to $1,500, while those with premium accounts can withdraw up to $2,000.

As you can see, in comparison, the current Chase ATM limit of up to $1,000 for standard accounts is competitive and notably higher than some, like Wells Fargo. Plus, Chase’s flexibility allows you to upgrade to a premium account if you need more cash access, offering higher limits and increased convenience.