Chase charges ATM fees for out-of-network withdrawals, but the amount depends on your account type and whether you use a Chase machine

Chase does not charge a fee when you withdraw money from a Chase ATM. If you use an ATM that does not belong to Chase, you will pay a fee — typically $2.50 per transaction as of 2024, though this can vary. Some Chase account types waive out-of-network fees entirely, and some partner networks let you withdraw without paying Chase's fee.

The fee appears on your statement as "out-of-network ATM fee" or similar language. It is separate from any fee the other bank's ATM operator might charge you. That means you could pay twice: once to Chase and once to the ATM owner.

Key Takeaways

  • Chase ATMs are free for all Chase customers; out-of-network ATM withdrawals cost $2.50 per transaction on most accounts.
  • Chase Premier Plus, Sapphire Checking, and some business accounts waive out-of-network fees, though the rules differ by account tier.
  • MoneyPass and Allpoint are ATM networks where Chase customers can withdraw without paying Chase's fee at thousands of machines nationwide.
  • The ATM operator may also charge you a separate fee even if Chase does not, so confirm the total cost before you withdraw.
  • Fees post to your account within one to three business days, and you can see pending charges in your online banking dashboard.

Which Chase accounts waive out-of-network ATM fees

Chase Sapphire Checking and Chase Premier Plus Checking both waive out-of-network ATM fees worldwide. These are premium accounts with monthly maintenance fees ($12 and $25 respectively), but the fee waiver is one of the included benefits. If you hold either account, you will not pay Chase's $2.50 fee at any ATM, though the ATM operator may still charge you.

Chase Total Checking, Chase find Checking, and Chase Student Checking do not waive out-of-network fees. Most business accounts charge the $2.50 fee as well, with the exception of some higher-tier business checking products. Check your account's terms and conditions in your Chase online banking portal under "Account Details" to see your specific fee structure.

The fee waiver applies only to withdrawals, not balance inquiries or other transactions. If you use an out-of-network ATM to check your balance without withdrawing, you will not be charged.

ATM networks where Chase customers withdraw free

Chase is part of the MoneyPass network, which includes over 30,000 ATMs at retailers, grocery stores, and other locations. You can withdraw cash at any MoneyPass ATM without paying Chase's out-of-network fee. The ATM operator may still charge you a fee, but Chase will not.

Allpoint is another network available to Chase customers. Allpoint machines are located in convenience stores, pharmacies, and other venues, and Chase does not charge a fee for Allpoint withdrawals. Again, the Allpoint operator may charge you separately.

To find a MoneyPass or Allpoint ATM near you, use the ATM locator in your Chase mobile app or on Chase.com. The app will show you the network name and whether that specific machine charges an operator fee.

When the $2.50 fee posts to your account

Out-of-network ATM fees typically post within one to three business days of the withdrawal. The transaction itself may show as pending when ready, but the fee appears separately on your statement once it clears. You can see pending fees in your Chase online banking account under "Recent Transactions" or in the mobile app.

If you withdraw on a Friday evening, the fee may not post until Monday or Tuesday. Fees posted on weekends or holidays clear on the next business day. If you dispute a fee, you can contact Chase through online banking, the mobile app, or by calling the number on the back of your debit card.

How out-of-network ATM fees compare to other banks

Chase's $2.50 out-of-network fee is in the middle range for large national banks. Bank of America charges $3.00, Wells Fargo charges $2.50, and Citibank charges $2.50. Some regional banks and credit unions charge less or waive the fee entirely for members.

The real cost difference comes from network access. If you travel frequently or live far from a Chase branch, the MoneyPass and Allpoint networks may save you money compared to banks with smaller networks. If you rarely use ATMs outside Chase locations, the fee structure matters less.

What happens if an ATM charges you twice

Some out-of-network ATMs charge both a Chase fee and an operator fee. You might see a $2.50 charge from Chase and a separate $1.50 to $3.00 charge from the ATM operator on the same transaction. This is legal and common, though the ATM should disclose the total cost before you complete the withdrawal.

Most ATMs show you the operator fee before you confirm the transaction. If you see a fee warning and proceed, you are agreeing to pay it. If the ATM did not disclose the fee or charged you twice by mistake, contact Chase customer service with the transaction details and the ATM location. Chase can sometimes reverse the fee if there was an error.

How to avoid out-of-network ATM fees

The simplest approach is to use Chase ATMs. Chase has over 16,000 ATMs nationwide, and you can find them through the mobile app or Chase.com. If you cannot reach a Chase ATM, use MoneyPass or Allpoint instead — both networks are free for Chase customers and widely available.

If you withdraw cash regularly from non-Chase ATMs, consider whether upgrading to Sapphire Checking or Premier Plus makes sense. The monthly fee ($12 or $25) might be worth it if you would otherwise pay $2.50 per withdrawal multiple times a month. Do the math for your own situation: if you withdraw four times a month from out-of-network ATMs, you would pay $10 in fees, which is less than the Sapphire monthly fee but close to it.

Another option is to get cash back at grocery stores or retailers when you make a purchase. Most stores offer cash back for free, and you avoid the ATM fee entirely. This works well if you shop regularly and can time your cash withdrawals with your shopping trips.

Frequently Asked Questions

Will Chase refund an out-of-network ATM fee if I ask?

Chase may refund a single out-of-network fee if you contact them and explain the situation, especially if it was your first time incurring the fee or if there was an error. They are more likely to refuse if you have a pattern of out-of-network withdrawals. There is no may provide, but it is worth asking through the mobile app or by calling customer service.

Do I pay the fee if I just check my balance at an out-of-network ATM?

No. Chase only charges the out-of-network fee for cash withdrawals. Balance inquiries, transfers, and other transactions at out-of-network ATMs do not incur the fee.

Can I use a Chase ATM at another bank's branch?

Only if that bank is part of the Chase network or a partner network. Most Chase ATMs are in Chase branches, but some are in partner locations. You can use the ATM locator in the Chase app to see which machines are available to you. If you use an ATM that is not part of the Chase network, you will pay the out-of-network fee.

What if I withdraw from a Chase ATM but the machine is at a non-Chase location?

If it is a genuine Chase ATM, you will not pay a fee. Chase ATMs are branded with the Chase logo and are connected to Chase's network. If you are unsure whether a machine is a Chase ATM, check the screen or ask the location staff before you insert your card.

Do international ATM withdrawals cost more than out-of-network domestic ones?

International ATM withdrawals typically cost more. Chase charges a $5.00 international ATM fee on top of any fee the foreign ATM operator charges, plus a foreign transaction fee on the conversion. Out-of-network domestic withdrawals cost $2.50 and no conversion fee. If you travel internationally, ask Chase about travel-friendly accounts or partner banks in the countries you visit.