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The Chase ATM network is 16,000 strong across the United States. You can find Chase ATMs in the following 30 states: Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Nevada, New Jersey, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, Texas, Utah, Virginia, Washington, West Virginia and Wisconsin. ATMs are also available in Washington, D.C.
Chase ATM services
At Chase ATMs, you can do the following:
- Deposit cash
- Deposit checks
- Make withdrawals
- Transfer money between accounts
- View balances without having it count as a transaction
- View recent transactions
- Make credit card payments
Chase has equipped many of its ATMs to operate without your debit card. These cardless ATMs allow you to access your account with your smartphone using a mobile wallet app such as Google Pay, Apple Pay or Samsung Pay. You will have to link your Chase debit card to one of these apps before using it at the Chase ATM.
Chase ATM fees and how to avoid them
With a Chase Total Checking account, which the bank labels as its most popular, you will only pay an ATM fee when you use an out-of-network ATM. At out-of-network ATMs, you will be charged a $2.50 fee for each transaction, in addition to any fees charged by the ATM owner.
You can avoid the $2.50 fee a few times by getting a Chase Premier Plus Checking account. Not only does this account allow you to make four free transactions per month at outside ATMs, but it also earns interest, something the basic Chase Total Checking account doesn’t do — you will still pay fees charged by the ATM owner, though.
You can also avoid the fee with a Chase Sapphire Checking account. This account comes with no fees at out-of-network ATMs, even if you’re overseas. Chase will also refund fees charged by the ATM owner with this account.
With the other Chase accounts, you’ll be charged a $2.50 fee for any transfers or inquiries made at ATMs outside the U.S., and $5 for withdrawals made from these same ATMs. (Remember that the first four inquiries, transfers and withdrawals a month are free with Chase Premier Plus Checking.) These fees are on top of a 3% foreign exchange rate adjustment applied to every withdrawal made in a foreign currency — the 3% fee is waived for those with Chase Sapphire Checking.
Finally, if you overdraw your account by more than $5, you will be charged a $34 overdraft fee with the Chase Total Checking and Chase Premier Plus Checking accounts. With the Chase Sapphire Checking account, there are no fees on your first four overdrafts in a 12-month period.
While the $5 buffer before overdraft fees kick in is nice, all of Chase’s other ATM fees are a bit high. Because there are no in-network ATMs outside of the U.S., you won’t be able to escape paying the fees for foreign transfers and withdrawals unless you get one of the higher-tier accounts.
It is true that the $2.50 fee for using an out-of-network ATM domestically is waivable with the two higher-tier checking accounts, but it’s still a fee that many other financial institutions don’t charge. In fact, some financial institutions charge no out-of-network ATM fees and will even refund you any fees charged by the out-of-network ATM owner; Chase only refunds these fees if you have Chase Sapphire Checking.
Out-of-network ATM fee
International ATM fee
Chase ATM access vs. other banks
|Bank||Chase||Bank of America||Wells Fargo||Citibank|
|Number of bank-owned ATMs||16,000||16,000+||13,000+||2,400+|
|Number of shared network ATMs (e.g., MoneyPass)||16,000||50,000+ through the Global ATM Alliance||13,000+||32,000+ through the MoneyPass network|
But because Citibank participates in the MoneyPass network, it has more than 32,000 in-network ATMs, making it larger than the Chase ATM network. While Bank of America has about the same size network on its own, it is part of the Global ATM Alliance, which expands its global in-network ATM count to over 50,000.
If ATM access and fees are your main concern, you may do well to look at a financial institution that is part of a larger ATM network, or at least one that charges fewer fees. If you don’t like any of the alternatives above, credit unions are known for charging low or few fees compared to larger banks, and they tend to have bigger ATM networks by collaborating with other credit unions. One of the largest of these ATM networks is CO-OP.
If you have access to plenty of Chase ATMs near you, though, and don’t do much international travel, these fees and ATM partnerships may be a moot point. You won’t have to pay any fees to access Chase ATMs in your own neighborhood, and foreign transaction fees are irrelevant for those who don’t travel.
Fees mentioned in this piece are accurate as of the date of publishing.