Daily withdrawal limits at Chase

Chase sets a daily ATM withdrawal limit of $500 by default for most checking accounts. This means you cannot take out more than $500 from an ATM in a single calendar day, even if your account balance is higher. The limit resets at midnight Eastern Time.

This limit applies to all ATMs — Chase ATMs and ATMs owned by other banks. If you try to withdraw $600 from a Chase ATM, the machine will decline the transaction. If you try again at a different ATM later that day, it will also decline because the daily counter is still running.

The $500 limit is a security measure. It reduces the damage if someone steals your debit card or learns your PIN. It also protects Chase from large fraud losses in a single day.

Key Takeaways

  • Chase's standard daily ATM withdrawal limit is $500 per calendar day, resetting at midnight Eastern Time.
  • You can withdraw more than $500 in a single day by visiting a Chase branch in person and speaking to a teller, with no stated maximum.
  • Limits vary by account type and history — some accounts have lower limits, and requesting a higher limit may take several business days to process.
  • Withdrawals at the teller window do not count against your ATM limit, so you can withdraw $500 at an ATM and then withdraw more at a branch the same day.
  • If you need cash regularly above $500 per day, contact Chase ahead of time to discuss a temporary or permanent limit increase.

Withdrawing more than $500 in one day

If you need more than $500 in cash on a single day, you have two main options. The first is to visit a Chase branch during business hours and withdraw cash from a teller. Teller withdrawals are not subject to the $500 ATM limit. You can withdraw $1,000, $5,000, or more at the teller window if your account has that much money in it.

The second option is to request a temporary increase to your daily ATM limit before you need the money. You can call Chase customer service at the number on the back of your debit card, or visit a branch in person. Tell them the amount you need and the date you need it. Chase may approve a one-time increase, though this is not may provide and can take one to three business days to process.

If you regularly need to withdraw more than $500 per day, you can request a permanent increase to your daily limit. This also requires a call or branch visit. Chase will review your account history and may increase your limit to $1,000 or higher, depending on your account type and how long you have banked with them.

Why Chase has withdrawal limits

Daily withdrawal limits exist for two reasons: fraud prevention and regulatory reporting. If your debit card is stolen or your PIN is compromised, a $500 daily limit means a thief can take at most $500 before the ATM stops them. Without this limit, a stolen card could drain your account in minutes.

The second reason involves federal law. Banks must report cash transactions over $10,000 to the federal government using a form called a Currency Transaction Report. Large daily withdrawals can trigger additional scrutiny, so banks use daily limits to manage the volume of large transactions they process.

These limits are set by each bank individually. Chase's $500 default is typical, but some banks set limits at $300 and others at $1,000. Your limit may also be lower if you are new to Chase or if your account has had fraud issues in the past.

Different limits for different account types

Chase offers several checking account types, and some have different withdrawal limits than others. A basic Chase Total Checking account typically has the $500 ATM limit. However, if you have a premium account like Chase Sapphire or Chase Private Client, your limit may be higher by default — sometimes $1,000 or more.

Your personal history with Chase also matters. If you have been a customer for many years, maintain a high balance, or have had no fraud issues, Chase may have already set your limit higher than $500. You can check your current limit by logging into your Chase account online, calling customer service, or visiting a branch.

What counts as a withdrawal

The $500 daily limit applies only to cash withdrawals — money you take out of the account. It does not explore to debit card purchases, bill payments, transfers to other accounts, or checks you write. You can spend $5,000 on your debit card in a day and still withdraw $500 in cash without hitting any limit.

ATM withdrawals and teller withdrawals are counted separately in Chase's system. If you withdraw $500 from an ATM in the morning, you can still withdraw more cash from a teller later that day. However, some other banks combine these limits, so it is worth confirming with Chase if you plan to do both on the same day.

Withdrawals outside the United States

If you withdraw cash from an ATM outside the United States, the same $500 daily limit applies. However, you may also face additional fees. Chase charges a $5 fee for each foreign ATM withdrawal, plus whatever fee the foreign bank charges for using their machine. Some foreign ATMs charge $3 to $5 on top of Chase's fee.

If you are traveling and expect to need more than $500 per day in cash, contact Chase before you leave. They can temporarily increase your limit and may be able to waive or reduce foreign ATM fees if you notify them of your travel dates in advance.

If your withdrawal is declined

If an ATM declines your withdrawal, the most common reason is that you have hit your daily limit. Check the ATM screen — it usually says "daily limit exceeded" or similar. You can try again after midnight Eastern Time, or you can visit a Chase branch to withdraw from a teller instead.

Other reasons an ATM might decline a withdrawal include insufficient funds in your account, a frozen or locked account, or a technical problem with the ATM itself. If the ATM gives a different error message, or if you believe you should have funds available, call Chase customer service to check your account status.

Frequently Asked Questions

Can I withdraw $500 twice in one day if I use two different ATMs?

No. Chase tracks your daily ATM withdrawals across all ATMs, not per machine. Once you have withdrawn $500 in a day, any ATM will decline your next withdrawal until midnight Eastern Time, regardless of which bank owns the ATM.

Does the $500 limit reset at midnight in my time zone or Chase's time zone?

It resets at midnight Eastern Time, not your local time zone. If you are on the West Coast and withdraw $500 at 11 p.m. Pacific time, you will not be able to withdraw again until 3 a.m. Pacific time (midnight Eastern).

If I request a higher daily limit, how long does it take to go into effect?

A temporary one-time increase can take one to three business days. A permanent increase to your limit may take longer — up to a week in some cases. If you need cash urgently, visiting a branch to withdraw from a teller is faster than waiting for a limit increase to process.

Will requesting a higher withdrawal limit hurt my credit score?

No. Requesting a higher ATM withdrawal limit does not affect your credit score. Chase does not report this request to credit bureaus. It is an internal account change, not a credit inquiry.

What happens if I try to withdraw more than my limit?

The ATM will straightforward decline the transaction and return your card. No money will be withdrawn, and you will not be charged a fee for the declined attempt. You can try again the next day or visit a branch to withdraw from a teller instead.