What is the Chase ATM Withdrawal Limit?
Posted by Frank Gogol
Updated on January 7, 2022
People who have a credit or debit card know how useful ATMs can be. An ATM allows you to withdraw various sums of money – enabling access to your funds at any time. But despite this, banks have some limits set for withdrawals when it comes to how much you can withdraw on a daily and monthly basis.
If you have a Chase bank card, this article will tell you more about the Chase ATM withdrawal limit so you can know the fees, how to avoid them, and also when the limits reset. Let’s get started!
Table of Contents
What Is the Chase Daily ATM Withdrawal Limit?
Chase is one of the largest U.S. banks. It has millions of customers in the country, as well as over 5,000 branches. So, if you own a debit card with money on it, you may need to withdraw cash at some point. If you need to withdraw a larger amount, you may hit the withdrawal limit of the bank.
On average, the withdrawal limit for Chase checking accounts is between $500 – $1,000 per day. Meanwhile, the purchase limit is from $3,000 to $7,500 per day. But if you withdraw money in-branch during the bank’s business hours, you will be able to enjoy some higher withdrawal limits.
When you go to a Chase branch during its business hours, you will have higher limits – up to $3,000. Be wary that the limit for in-branch ATMs is different from non-branch ATMs. You have the possibility of withdrawing $3,000 from inside one branch. Then, you can go to another Chase ATM that is not attached to a branch and only be able to withdraw an extra $500.
At the same time, it is important to know that the in-branch limit will affect all of the Chase debit cards that you own. That being said, you won’t be able to go to a Chase in-branch ATM and make a $3,000 withdrawal, and then go back to Chase on the same day and try to withdraw $3,000 in-branch using your debit card.
Your Chase checking account type and the state you opened your account in will also influence the Chase ATM withdrawal limit. Therefore, it is important to know these before attempting to make ATM withdrawals.
If you want to learn more information and ensure that what you know is accurate, you should look on the back of your Chase debit card and call the number you see there.
When Does the Chase ATM Withdrawal Limit Reset?
The ATM withdrawal limit for Chase cards resets every 24 hours. That being said, you will have the chance to withdraw $500 or $1,000 on a few consecutive days if this is something you want or need.
You should keep in mind that the reset time is at midnight Eastern Standard Time. If you want to make some withdrawals, you should plan them according to this. Some people like to wait for midnight when the reset happens and then perform a withdrawal not long after that. This way, they can get the money they need sooner.
Is It Possible to Increase the Chase ATM Withdrawal Limit?
Although there are some standard withdrawal limits for each Chase debit card type, you can change them. Here is how you can do it.
Improve Your Relationship with the Bank
One great way to make sure that your withdrawal limit increases is by improving the relationship you have with Chase. Usually, this happens when you are a Chase client for a long time, but it can also be done by showing that you are a trustworthy customer.
It is important to know that while being a Chase client with several accounts seems like it could help, Chase actually values length and quality way more. So, if you open multiple Chase accounts, it will not matter more than the amount of time you’ve been a Chase client for. Being a Chase customer for years will boost your chances of increasing the limits.
Another thing you can do is change your account type. Some of the premium accounts offered by Chase come with higher limits – therefore, they may be more convenient.
Ask for an Increase
An easy way to get a limit increase is by simply asking the bank for it. Of course, for this to be possible, you will have to contact Chase. You can call the Chase general customer service line, respectively 1-800-935-9935, or call the phone number you see on the back of your debit card.
When a representative answers, you should explain that you would like to be able to withdraw more money on a daily basis and ask if they could grant this by increasing the ATM withdrawal limit. Ensure that you are also ready to answer questions when making this request, though.
The representative will ask you about the reason why you need a limit increase, so you should explain your situation and why it would be useful if you were able to withdraw more than your current limit.
You can simply ask for a temporary limit increase if this is a one-time request like making a large cash purchase. But if you have to withdraw large amounts of money regularly, you can request a permanent withdrawal limit increase.
Temporary increases are easy to obtain. However, if you hit the withdrawal limit too often when making withdrawals, asking for a permanent increase would be more useful. For the latter, you must be ready to explain why this is necessary.
Just keep in mind that with a temporary limit increase, you will not be able to withdraw thousands of additional dollars. Chase may only allow you to withdraw a few extra hundred dollars.
Chase ATM Withdrawal Limit FAQ
You may still have questions regarding Chase ATM withdrawal limits, so here are some frequently asked questions together with their answers:
What Is the Chase ATM International Withdrawal Limit?
The Chase ATM International withdrawal limit is the same as the U.S. limit, respectively $500 to $1,000 per day for standard accounts and $2,000 to $3,000 per day for premium bank accounts.
What Is the Chase ATM Withdrawal Limit for Students?
Student cards come with much lower limits, usually sitting at $500. Similarly, the purchase limit will be lower too. Also, some student cards are only ATM ones and don’t work for purchases.
How Much Can I Withdraw at a Chase Branch from a Teller?
If you want to make teller withdrawals, you shouldn’t have limits on the amount that you are able to withdraw.
What Are the Chase ATM Fees?
The fees will depend on the type of account that you own. Standard Chase Total Checking accounts will be $2.50 for any inquiries. Also, you will deal with $5 per withdrawal and $2.50 for transfers or inquiries outside Puerto Rico, the U.S., and U.S. Virgin Islands.
Premier Checking accounts have fees of $0 for first inquiries, withdrawals, or transfers, $2.50 for any extra inquiry, withdrawal, or transfer, and $5 per withdrawal and $2.50 for inquiries or transfers at any ATM outside Puerto Rico, the U.S. and U.S. Virgin Islands.
Chase ATM withdrawal limits vary based on the type of account and the state in which you opened the account. Even if the limit is a nuisance, you can get an increase by being a loyal client for a long time or by asking for an increase. Knowing where your withdrawal limit is capped can help you plan your withdrawals accordingly.
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