Chase sets a daily withdrawal limit of $500 to $1,000 for most checking accounts, depending on your account type and history with the bank
The exact limit depends on which Chase checking account you have. Chase Total Checking and Chase Premier Plus Checking typically allow $500 per day at ATMs, while some premium accounts may allow up to $1,000. These are per-calendar-day limits, meaning they reset at midnight. If you hit your limit on Monday, you can withdraw another $500 on Tuesday.
Your personal limit may be higher or lower than the standard range. Chase reviews account age, balance, transaction history, and whether you've had overdrafts or disputes. A new account holder might start at $300; someone with a long clean history might have $1,000 or more. You can call Chase at 1-800-935-9935 or visit a branch to ask what your specific limit is.
The limit applies to ATM withdrawals only. If you walk into a Chase branch and withdraw cash over the counter, you can usually take out more — sometimes several thousand dollars in a single transaction — as long as the teller can verify your identity and the funds are in your account. There is no daily limit on in-branch withdrawals for most customers.
Key Takeaways
- Chase ATM withdrawal limits range from $500 to $1,000 per day for standard checking accounts, resetting each calendar day at midnight.
- Your personal limit depends on your account type, how long you have banked with Chase, and your account history.
- Withdrawing cash at a Chase branch teller window has no daily limit and allows you to take out larger amounts in one transaction.
- If you need to withdraw more than your ATM limit, call Chase customer service or visit a branch to request a temporary increase.
- International ATM withdrawals may have separate, lower limits and additional fees.
How to find your personal withdrawal limit
Log into Chase Mobile or Chase.com and look for account settings or account details. Some accounts display the limit directly; others do not. If you cannot find it online, the fastest way is to call 1-800-935-9935 and ask a representative. Have your account number and a form of ID ready.
You can also visit a Chase branch in person and ask a teller. They can tell you your limit and, if needed, request a temporary increase on the spot. This is useful if you know you will need more cash in the coming days.
Requesting a temporary or permanent increase
If you regularly need to withdraw more than your limit, you can request a permanent increase. Call 1-800-935-9935 and explain that you want to raise your daily ATM limit. Chase will review your account and may approve an increase to $1,500 or higher, depending on your history and account type.
For a one-time need — such as a large purchase or travel — you can request a temporary increase. Tell the representative the amount you need and when. Chase often approves temporary increases of $500 to $1,000 above your normal limit for a few days. The increase usually takes effect within a few hours.
If Chase denies your request, ask why. Common reasons include a recent overdraft, a dispute on your account, or insufficient account history. If the reason is temporary (like a recent overdraft), you may be able to request again in a few weeks.
What happens when you hit your limit
If you try to withdraw more than your daily limit at an ATM, the machine will decline the transaction. Your card will not be charged a fee, and the money will not be deducted. You can try again the next calendar day, or you can go to a Chase branch and withdraw cash from a teller instead.
Hitting your limit does not affect your credit score or account standing. It is a safety feature, not a penalty. Chase uses daily limits to reduce fraud risk — if someone steals your card, they cannot drain your account in one day.
ATM withdrawal limits outside the United States
If you are traveling internationally, your daily ATM limit may be lower. Chase typically allows $200 to $500 per day at foreign ATMs, even if your domestic limit is higher. Some countries also have their own ATM withdrawal limits set by local banks, which may be lower than Chase's limit.
International ATM withdrawals also carry fees. Chase charges $3 per transaction at non-Chase ATMs in the US, and $5 per transaction at ATMs outside the US. The foreign bank may charge an additional fee on top of that. Before traveling, call Chase to confirm your international limit and ask about fee-free ATM networks in the countries you are visiting.
Withdrawing large amounts without hitting your limit
If you need $2,000 or more, the simplest option is to visit a Chase branch during business hours. Tell the teller how much you need, and they will count out the cash. You may need to show ID. There is no daily limit for in-branch withdrawals, though Chase may ask questions if you withdraw $10,000 or more in a single day (this is a federal reporting requirement, not a Chase rule).
If you cannot visit a branch, you can make multiple ATM withdrawals across different days. If your limit is $500 and you need $1,500, withdraw $500 today, $500 tomorrow, and $500 the day after. This takes longer but works if you have time.
Another option is to transfer money to a different account or payment method. Use Chase's mobile app or website to send money to another bank account, or load funds onto a prepaid card. These transfers are not subject to daily ATM limits, though they may take one to three business days to complete.
Frequently Asked Questions
Can I withdraw more than my limit if I call Chase first?
Yes. Call 1-800-935-9935 and request a temporary increase before you need the money. Chase can often approve an increase within a few hours. For permanent increases, the review takes longer but may result in a higher everyday limit.
Does my withdrawal limit reset at midnight or at a specific time?
It resets at midnight Eastern Time, regardless of where you are. If you withdraw $500 at 11:50 p.m. and another $500 at 12:10 a.m., both transactions go through because they are on different calendar days.
What if I need cash but my account is overdrawn?
Chase will not allow you to withdraw more than your available balance, even if your limit is higher. If your account is overdrawn, you cannot withdraw anything until the balance is positive again.
Do savings accounts have withdrawal limits too?
Chase savings accounts do not have daily ATM withdrawal limits in the same way checking accounts do. However, federal law previously limited savings withdrawals to six per month; that rule was suspended but may return. Check your account terms or call Chase for current limits on your specific savings account.
Will requesting a higher limit hurt my credit?
No. Requesting a withdrawal limit increase does not trigger a credit check and does not affect your credit score. It is an internal account review only.