Chase ATM fees can add up quickly if you do not understand how the charges are applied and where they appear on your statement. Many customers are surprised by the cost of using out-of-network machines or accepting convenience checks that trigger separate fees.
This guide breaks down the common fee types, how they vary by account, and what you can do to reduce or avoid them when you use Chase ATMs or other networks.
| Fee Type | Typical Amount | When It Applies | How to Avoid or Reduce |
|---|---|---|---|
| Out-of-Network ATM Withdrawal | $2 to $5 | Using a non-Chase ATM not owned by Chase or a partner | Choose MoneyPass, Allpoint, or Chase ATMs; check your account benefits |
| International ATM Withdrawal | $5 flat + foreign transaction fee | Withdrawing cash in another country outside the U.S. territories | Use Global Alliance partners or fee-free accounts; plan larger, less frequent withdrawals |
| Convenience Check Processing | $5 to $10 or percentage-based fee | Depositing or cashing a convenience check not linked to your account | Return unused checks; avoid depositing them into non-linked accounts |
| Replacing ATM Card | $5 to $10 expedited fees possible | Requesting a new card after loss or damage | Use in-network replacements when available; check if your plan includes waived fees |
Understanding Out-of-Network ATM Fees
When you use an ATM that is not part of the Chase network, the machine operator can charge you a separate fee on top of any Chase charges. These out-of-network ATM fees typically range from $2 to $5 per transaction and appear on your statement from the ATM owner rather than Chase.
Your own bank may also add a foreign transaction or international ATM fee if the machine is outside the U.S., so you can see multiple charges for one withdrawal. Planning ahead by locating Chase ATMs or fee-free partners can keep these costs low.
How Chase Checking Account Types Affect Fees
Chase Total Checking and Premier Fees
Clients with Chase Total Checking may face a monthly service fee unless they meet requirements such as direct deposits or minimum balances. Chase Premier Plus and Sapphire Banking often include more ATM fee reimbursements, especially when traveling or using specific international partners.
Private Client and Relationship Waivers
Chase Private Client or clients maintaining high balances may receive monthly fee waivers and broader ATM fee coverage. Relationship managers can outline personalized structures that reduce surprise costs on statements.
Domestic vs International ATM Fee Rules
Domestic fees usually apply only when you step outside the Chase or partner network, while international charges often include both a flat withdrawal fee and a currency conversion add-on. Some regions have specific partnerships that waive one or both charges, depending on your account level.
Always review the terms for your specific account, because benefits such as Global Alliance access or reimbursement caps can differ significantly between basic checking and premium tiers.
Strategies to Minimize ATM Fees
- Use only Chase ATMs or MoneyPass locations to avoid out-of-network charges.
- Monitor monthly minimum balance requirements to keep monthly service fees at zero.
- Enroll in accounts with built-in ATM fee reimbursements for frequent travelers.
- Avoid convenience checks or use them only when you understand how they are priced.
- Check Chase website or app for updated partner networks before traveling abroad.
Planning Your Cash Access to Reduce Costs
Understanding how Chase ATM fee rules interact with your spending habits helps you choose the right account and withdrawal strategy. With a few small changes, such as switching to fee-free machines or adjusting withdrawal frequency, you can significantly lower what you pay each month.
FAQ
Reader questions
Will I be charged if I use a Chase ATM but the machine is owned by another bank?
Yes, even if the ATM says it is in the Chase network, some locations are owned by other institutions and may still generate an out-of-network fee depending on how the routing is processed.
Can I get a refund for an ATM fee I was charged by another bank?
Chase may reimburse certain out-of-network ATM fees on request, depending on your account type and eligibility, but policies vary and not all ATM operators allow reimbursement claims.
Do international ATM fees apply when I travel within U.S. territories like Puerto Rico?
Fees typically follow the same rules as mainland U.S. withdrawals if the territory uses U.S. currency and the machine is on an eligible network, but always verify your specific benefits before assuming there will be no charges.
Why do some Chase accounts show ATM fees even though I met the minimum balance requirement?
Waivers may not apply if the direct deposit is below the required amount, if the minimum balance falls short during the billing cycle, or if the account is not linked to the correct benefit program at the time of the transaction.