Wondering how much cash you can take out from a Chase ATM in a single day? Like other major banks, Chase sets daily ATM withdrawal limits to protect your account, manage ATM cash levels, and reduce fraud risk. Your exact limit depends on your account type, debit card, and overall relationship with Chase. This guide explains typical limits, how to check yours, and how to request a higher limit when you need more cash.
Need to find a nearby Chase ATM first? Start with Chase ATM Near Me, then use this guide to understand how much you can withdraw in one day.
Typical Chase ATM Withdrawal Limits by Account Type
Most Chase debit cards have a daily ATM withdrawal limit somewhere between $500 and $3,000. The exact number is set on a per-card basis and can change over time, but these ranges are common for many customers:
| Chase Account Type | Typical Daily ATM Limit | Notes |
|---|---|---|
| Chase College Checking / basic entry accounts | Around $500 | Lower starter limits for newer or student accounts |
| Chase Total Checking | About $500–$1,000 | Standard everyday checking tier |
| Chase Premier Plus / Chase Sapphire Checking | Up to $2,000–$3,000 | Higher limits for premium and relationship accounts |
| Chase Private Client | May exceed $3,000 | Limits are often customized based on your relationship |
Important: These are general ranges, not guarantees. Your personal limit may be higher or lower. Limits are set per card, per day, so multiple debit cards can each have their own separate daily limits.
Why Chase Sets ATM Withdrawal Limits
Chase, like all major banks, sets ATM limits for a few key reasons:
- Fraud protection: Daily caps help limit potential losses if your card or PIN is compromised.
- ATM cash management: Limits help keep machines from running out of cash too quickly.
- Customer safety: Reasonable limits reduce the risks of carrying very large amounts of cash at once.
If you have a legitimate need for more cash, Chase will often approve temporary or permanent increases when your account is in good standing.
What Affects Your Chase ATM Withdrawal Limit?
- Account type: Premium and relationship accounts (Sapphire, Premier, Private Client) usually have higher default limits than basic checking.
- Banking history: Long-term customers with stable balances and clean history are more likely to be approved for higher limits.
- Card type: Some debit cards have built-in caps regardless of account tier.
- Security flags: Recent card replacement, suspected fraud, or unusual activity can temporarily reduce your limit.
- ATM network: Out-of-network ATMs may set lower per-transaction caps even if Chase allows more per day.
If your current limit feels lower than expected, it may be due to your account type, card settings, or recent security changes rather than an error.
How to Check Your Current Chase ATM Withdrawal Limit
Before a trip or large cash need, it is smart to confirm your actual limit so you are not surprised at the ATM. You can typically find it in one of these places:
- Chase mobile app: Check your debit card settings or card management section for daily ATM and purchase limits.
- Online banking: Look under account services, card details, or account settings.
- Customer service: Call the number on the back of your card and ask a representative to confirm your current ATM limit.
- Chase branch: A banker can review your card profile and tell you your current limits.
If you discover that your limit is not high enough, you can usually request an increase, at least for a short period, with a quick call or app request.
How to Increase Your Chase ATM Withdrawal Limit
If your current Chase ATM limit does not cover what you need, here are common ways to request a higher limit:
- Request a temporary increase: For travel, home projects, or large purchases, you can ask Chase to raise your limit for a short time (often 24–72 hours). Use the mobile app, call customer service, or visit a branch.
- Ask for a permanent increase: If you regularly need more cash access and have a strong account history, Chase may approve a higher standard daily limit.
- Upgrade your account tier: Premium accounts like Chase Sapphire Checking or Chase Private Client often come with higher default limits.
- Use a branch for very large withdrawals: Teller withdrawals inside a branch are not bound by ATM limits and are usually the safest way to access large sums.
For more general guidance that applies to many banks, see our full guide: How to Increase Your ATM Withdrawal Limit.
Fees, Networks, and Out-of-Network ATM Limits
Your Chase ATM withdrawal limit is just one part of the equation. Where you withdraw also affects how much you can take out per transaction and what you pay in fees:
- Chase-owned ATMs: Typically allow the highest per-transaction amounts and do not charge a Chase ATM fee for Chase customers.
- Out-of-network ATMs: May have their own per-transaction caps (for example, $200–$400), which can feel like a lower limit even when your Chase daily cap is higher.
- Fees: Third-party ATMs may charge a surcharge, and Chase may add an out-of-network fee on top. To avoid paying extra, use Chase ATMs or look for fee-free ATMs instead.
For a broader comparison of limits across different institutions, see ATM Withdrawal Limits by Bank.
Alternatives When You Need More Than Your Chase ATM Limit
If even a temporary increase will not cover the amount you need in cash, consider these safer alternatives:
- In-branch withdrawal: Visit a Chase branch and withdraw directly from a teller with your ID.
- Cashier’s check: For large purchases like cars, deposits, or down payments, a cashier’s check is safer than carrying a lot of cash.
- Wire transfer or Zelle: Send large payments electronically instead of using cash when possible.
- Multiple days: If timing allows, withdraw up to your daily limit over several days instead of all at once.
Chase ATM Withdrawal Limit FAQs
What is the default Chase ATM withdrawal limit?
Many Chase debit cards start with a daily ATM withdrawal limit around $500, but some accounts support limits in the $1,000–$3,000 range or higher. The exact limit is set per card and depends on your account type and profile.
Can I increase my Chase ATM withdrawal limit?
Yes. You can request a temporary or permanent increase through the Chase mobile app, by calling customer service, or by visiting a branch. Approval depends on your account history and the bank’s internal policies.
Does the Chase ATM limit reset at midnight?
In many cases, Chase daily ATM limits reset at or shortly after midnight, often based on the bank’s processing time zone. Some limits may operate on a rolling 24-hour period. If timing is critical, contact Chase support to confirm.
Do out-of-network ATMs have lower limits for Chase cards?
They can. Third-party and out-of-network ATMs often set their own per-transaction caps, which may be lower than your daily Chase ATM limit. In those cases, you may need multiple withdrawals or a Chase-owned ATM to reach your full daily allowance.
Do Chase ATM limits apply to branch withdrawals?
No. Chase ATM withdrawal limits apply only to cash taken out at ATMs. In-branch teller withdrawals and cashier’s checks follow separate rules and usually allow larger amounts with proper identification and verification.
Related ATM Guides
- ATM Withdrawal Limits by Bank
- How to Increase Your ATM Withdrawal Limit
- Fee-Free ATMs Near You
- Chase ATM Near Me
- Does the IRS Flag Large Withdrawals?
Bookmark this page as your quick reference for Chase ATM withdrawal limits, and use these related guides to plan safe, low-fee access to the cash you need.
