Chase charges ATM fees only when you use an out-of-network machine

Chase does not charge a fee when you withdraw cash from a Chase ATM. If you use an ATM owned by another bank or network, Chase charges you $3 per transaction. That fee appears on your account within one or two business days.

The fee applies whether you're checking your balance, transferring money, or withdrawing cash—any transaction at a non-Chase machine costs $3. Some other banks charge $2 or $2.50; Chase's rate is on the higher end.

You can avoid the fee entirely by using Chase's ATM network, which includes roughly 16,000 machines nationwide. If you travel frequently or live far from a Chase branch, this matters. If you have a Chase checking account, you also have access to fee-free withdrawals at most Allpoint network ATMs, which are located in convenience stores, pharmacies, and grocery stores.

Key Takeaways

  • Chase ATM withdrawals are free at any Chase-branded machine, but cost $3 at ATMs owned by other banks or networks.
  • The $3 fee applies to any transaction type at a non-Chase ATM, not just cash withdrawals.
  • Chase checking account holders can withdraw cash free at Allpoint network ATMs, found in many retail locations.
  • The fee posts to your account within one or two business days and shows up as a separate line item on your statement.

How to find a Chase ATM near you

Chase operates its own ATM network across all 50 states, with the highest density in urban and suburban areas. You can locate the nearest machine using the Chase mobile app, the Chase website, or by calling Chase customer service at 1-800-935-9935.

The Chase app shows your location and displays all nearby Chase ATMs with their addresses and hours. Many Chase ATMs are open 24 hours, though some inside branches close when the branch closes. If you're traveling, search before you leave so you know where machines are located along your route.

If no Chase ATM is available and you need cash, you can also ask a teller at any Chase branch to withdraw cash without a fee, even if you're not making a deposit. This works at any Chase location during business hours.

When the $3 fee does and does not apply

You pay $3 only when you initiate a transaction at a non-Chase ATM. This includes withdrawals, balance inquiries, transfers between your own accounts, and PIN changes. The fee is charged by Chase, not by the ATM owner, though some ATM operators charge their own surcharge on top of Chase's fee.

You do not pay a Chase fee for transactions at Chase ATMs, at Allpoint network machines (if you have a Chase checking account), or when you withdraw cash inside a Chase branch from a teller. You also do not pay a fee if you use a Chase debit card to get cash back at a retail store like a grocery or pharmacy—that is a free transaction.

If you use an ATM owned by another bank and that bank also charges a surcharge, you may see two fees: one from Chase ($3) and one from the ATM operator (typically $1 to $3). Always check the screen before you complete the transaction; most ATMs disclose their surcharge before you confirm.

Allpoint network access for Chase checking accounts

Chase checking account holders can withdraw cash free at any Allpoint ATM. Allpoint machines are located in convenience stores, grocery stores, pharmacies, and other retail locations in all 50 states and several countries. There are roughly 55,000 Allpoint ATMs worldwide, so you often have more options than Chase's own network.

To use an Allpoint machine, insert your Chase debit card and enter your PIN just as you would at any ATM. The machine will identify you as a Chase customer and waive the fee. You do not need to enroll or register separately; the benefit is automatic for any Chase checking account.

Allpoint machines are particularly useful in rural areas or when you're shopping and need cash. Look for the Allpoint logo on the ATM or ask a cashier if the store has an Allpoint machine. If you're unsure whether a specific machine is part of the Allpoint network, you can search the Allpoint locator on their website before you travel.

What happens if you're charged a fee by mistake

If you see a $3 ATM fee on your statement that you believe was charged in error—for example, if you used a Chase ATM or an Allpoint machine—contact Chase customer service. You can call 1-800-935-9935, use the Chase app, or visit a branch in person.

Explain which ATM you used, when, and why you believe the fee should not have been charged. Chase can look up the transaction and confirm whether the machine was part of their network or Allpoint. If it was, they will reverse the fee within one to three business days.

Keep your receipt from the ATM if possible; it shows the machine's location and ID number, which helps Chase investigate quickly. If you dispute the fee and Chase determines it was charged correctly, they will not reverse it, but you can ask about options for avoiding fees in the future.

ATM fees for different Chase account types

The $3 out-of-network ATM fee applies to most Chase checking and savings accounts. However, some premium accounts offer different terms. Chase Premier Plus checking and Chase Sapphire checking accounts may have different fee structures or reimbursement policies depending on your account tier and the specific terms in effect when you opened the account.

If you have a Chase credit card, ATM fees do not apply to cash advances at non-Chase ATMs—credit card cash advances are a separate transaction type with their own fees and interest rates. ATM fees only affect debit card withdrawals and transactions at ATMs.

Review your account's terms and conditions or call Chase to confirm what fees apply to your specific account. If you use ATMs frequently and want to avoid fees, switching to a premium account or using Allpoint machines may save you money over time.

Frequently Asked Questions

Can I avoid the $3 fee if I use a different bank's ATM?

Yes. Use an Allpoint ATM if you have a Chase checking account—the fee is waived automatically. Otherwise, the $3 fee applies to any non-Chase ATM. You can also withdraw cash free at any Chase branch from a teller, or get cash back free at a retail store when you make a purchase with your debit card.

Do I pay the fee if the ATM is inside a Chase branch?

No. ATMs inside Chase branches are part of Chase's network and do not charge a fee. Only ATMs owned by other banks or independent operators charge the $3 fee.

What if I'm traveling and can't find a Chase or Allpoint ATM?

You will pay the $3 Chase fee plus any surcharge the ATM operator charges. Before you travel, use the Chase app or Allpoint locator to map out machines along your route. If you know you'll need cash in an area with few options, withdraw before you leave or ask your hotel or a local business for the nearest free ATM.

Does the fee apply if I just check my balance?

Yes. Any transaction at a non-Chase ATM, including balance inquiries and PIN changes, costs $3. Only withdrawals and transactions at Chase or Allpoint machines are free.

How long does it take for the ATM fee to show up on my statement?

The fee usually appears within one or two business days of the transaction. It will show as a separate line item labeled as an ATM fee or service charge, with the date and location of the machine.