Chase Bank cash withdrawal limits are based on the card type, account type, withdrawal method, and account history. The daily limit is generally set at USD 3,000 for personal accounts. However, you can withdraw only up to USD 500 per transaction at ATMs.
Customers can request temporary increases in their Chase Bank cash withdrawal limits under special considerations. Cash withdrawals at local ATMs in the US are free, but using a non-Chase ATM in other countries incurs a charge of USD 3. Let’s explore all the details related to Chase Bank cash withdrawal limits in this blog.
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What are the Chase Bank Cash Withdrawal Limits?
Chase Bank cash withdrawal limit refers to the amount of money you can withdraw daily without paying additional fees. The bank has established specific cash withdrawal limits that vary based on account type, card type, and customer relationship with the bank.
- Chase Bank allows customers to withdraw up to USD 500 per transaction at ATMs.
- The daily cash withdrawal limit at Chase ATMs is USD 3,000 for personal accounts.
- At Chase ATMs not located within a branch, the daily withdrawal limit is USD 1,000.
Factors Affecting Chase Bank Cash Withdrawal Limits
Various factors affect the Chase Bank cash withdrawal limit. These include the type of account you have with the bank, the type of card, the withdrawal method, and your relationship with the bank. Let’s understand how these factors influence the Chase cash withdrawal limits-
Account Type
The type of account held can significantly affect the Chase Bank cash withdrawal limits. Chase College checking accounts, savings accounts, business accounts, and premium accounts have varying limits. For example:
- Chase Total Checking usually has a limit of USD 500 per day.
- Chase Premier Plus Checking allows withdrawals of around USD 1,000 per day.
- Chase Private Client Accounts usually have higher limits, sometimes exceeding USD 2,000 per day, depending on individual circumstances.
Withdrawal Method
Whether you use a Chase ATM or one from another bank also influences the Chase Bank cash withdrawal limits. In-branch ATMs, stand-alone Chase ATMs, and non-Chase ATMs have varying limits. Check out the general withdrawal limits based on withdrawal method-
| Withdrawal Method | Withdrawal Limit |
| In-Branch ATMs (Chase ATMs located inside bank branches) | Up to USD 3,000 per day |
| Stand-Alone Chase ATMs (Chase ATMs not located within a branch) | Up to USD 1,000 per day |
| Non-Chase ATMs (ATMs operated by other banks) | Up to USD 500 per day |
Card Type
The type of card associated with the bank account can significantly affect Chase Bank cash withdrawal limits. For instance, customers with a basic Chase debit card have different limits compared to those with premium debit cards like the Chase Private Client debit card.
Account History
Customers with a long-standing relationship and good standing with Chase may qualify for higher withdrawal limits upon request.
Also Read: This blog includes the details about the Chase Bank Currency Exchange. To know more about it read the blog.
Can You Increase Chase Bank Cash Withdrawal Limits?
It is possible to adjust your Chase cash withdrawal limits, depending on the type of card you have. You can manage various features of your Chase account through online banking, including quick cash preferences, ATM language settings, and receipt options.
Customers can request temporary increases in their withdrawal limits for special occasions or needs, such as large purchases or emergencies. To proceed, log in to your Chase account via the website or mobile app and navigate to the card management section.
If the option is available, you can request a limit increase directly from there. Alternatively, if a customer reaches their ATM limit but needs more cash, they can still withdraw larger amounts in person at a branch, as long as they have sufficient funds in their account.
Charges on Chase Bank Cash Withdrawals
Chase Bank cash withdrawals are subject to various charges, especially when using ATMs outside of their network. Debit card foreign transaction fees and overdraft fees also apply when withdrawing cash from international ATMs. Check the details below-
Non-Chase ATM Fees
When customers use ATMs not operated by Chase, there is typically a fee of USD 3 per withdrawal. This charge applies to transactions made in the U.S., Puerto Rico, and the U.S. Virgin Islands.
International ATM Fees
For withdrawals made at international ATMs, Chase may charge an additional fee, which can vary based on the location and the ATM operator’s policies.
Foreign Transaction Fees
If withdrawing cash in a foreign currency, customers may incur foreign transaction fees, which are generally around 3% of the transaction amount.
Overdraft Fees
If an account is overdrawn due to a cash withdrawal, Chase may charge overdraft fees, which can be up to USD 34 per transaction if the account balance goes below zero.
Also Read: Know all about the Chase International Student Account, a type of account for international students studying in the USA.
How to Manage Chase Bank Cash Withdrawal Limits?
Managing Chase Bank cash withdrawal limits can help you access funds more effectively while avoiding inconvenience. Understanding the ATM cash withdrawal limits also helps you protect your funds against fraud. Here are some ways to manage daily withdrawals-
- If you know you’ll need more cash than your daily limit allows, plan your withdrawals over several days or visit a branch for larger amounts.
- If you have accounts at other banks, consider using those ATMs as well to meet your cash needs without exceeding your Chase limits.
- If you have a one-time need for more cash, contact Chase customer service or visit a branch to request a temporary increase in your withdrawal limit.
- You can also upgrade to a higher-tier account like Chase Premier Plus Checking or Chase Private Client for higher withdrawal limits and additional benefits.
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FAQs
The cash withdrawal limit at Chase Bank varies by account type. Generally, you can withdraw up to USD 3,000 per day at in-branch ATMs and USD 1,000 per day at stand-alone ATMs.
The ATM withdrawal limit is typically USD 3,000 per day at Chase in-branch ATMs and USD 1,000 per day at non-branch ATMs.
The amount varies by bank policy. At Chase, you can withdraw up to USD 3,000 at in-branch ATMs and USD 1,000 at other ATMs.
Yes, you can withdraw USD 5,000 from a Chase branch if you request it in person and have sufficient funds available in your account.
You may withdraw USD 20,000 from a Chase branch if you have that amount available in your account and notify the bank in advance.
The daily transfer limit for Chase accounts varies but is generally around USD 2,000 to USD 5,000, depending on the account type.
You can view your withdrawal limits by logging into your Chase account online or through the Chase mobile app.
Yes, there are fees for using non-Chase ATMs (typically USD 3) and foreign transaction fees for international withdrawals (around 3%).
Yes, you can request an increase by contacting customer service or visiting a branch, especially if you have a specific need for more cash.
You can call Chase customer service at 1-800-935-9935 or visit a local branch. Explain your request and provide any necessary details about why you need the increase.
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