Most banks and credit unions have high limits or no limit at all for in-person withdrawals or combined daily withdrawals (via ATM, teller, and cash back). However, there are some restrictions. Banks have a fixed amount of cash available every day. Once you reach age 59½, you can withdraw funds from your Traditional IRA without restrictions or penalties. You can make a penalty-free withdrawal at any time during this period, but if you had contributed pre-tax dollars to your Traditional IRA, remember that your deductible contributions and earnings (including dividends, interest, and capital gains) will be taxed as ordinary income.

When it comes to withdrawing money from an ATM, you are limited to the amount you can withdraw in one day. You’re also subject to the amount of money you spend with your debit card each day. All banks impose these limits, both for security and practical reasons. These limits prevent thieves from withdrawing and spending all your money. Plus, banks can only keep a limited amount of cash on hand to distribute. The daily ATM withdrawal and debit purchase limits depend on your bank and the type of account you have.

Average Daily ATM Withdrawal Limits and Debit Purchase Limits

Maximum Withdrawal Wells Fargo Atm

Daily ATM withdrawal limits range from a few hundred to a thousand dollars. Simpler checking accounts tend to have lower limits than, say, a premium or elite checking account. Student accounts also have lower limits to help students better manage their money.

Keep in mind that these limits apply to checking accounts. You can withdraw money with no limit from savings accounts. However, federal law limits you to six savings account withdrawals (or transfers) per statement cycle.

The chart below lists the daily ATM withdrawal and daily debit purchase limits for popular banks’ basic accounts. If you have a different account or bank, or are unsure about your limits, you can always call your bank or refer to your account documents.

It’s important to note that when you open an account with the above banks, these listed limits may not apply. Banks like Bank of America and Chase set limits after you open an account based on your financial history. Chase can’t even give you an estimate should you call without an account, as SmartAsset did. If these limits are a concern for you when looking at accounts, you’ll want to ask a customer service representative what your limits will most likely be.

How to Get Around Withdrawal Limits

If you need more money than your daily ATM withdrawal limits allow, there are some ways to get around it. For one, the ATM limit applies only to ATM withdrawals. So during banking hours, you can go into the bank and make withdrawals of any amount with a teller. If you need to withdraw a large amount of money, this is the best and safest way to do it.

You can also call your bank and ask to temporarily raise your limit, whether the ATM withdrawal or debit purchase limit. This helps when you need to make a one-time purchase that exceeds your current limit. Just be sure to ask when the increase goes into effect and for how long.

Another way around the ATM withdrawal limit is to choose the cash back option when you make a purchase at a store. Cash back still counts toward your daily debit purchase limit, but this is generally higher than your ATM withdrawal limit.

If none of these options work out for you, you could get a cash advance through your credit card. You’ll likely want to see this as an absolute last resort, however. A cash advance allows you to withdraw cash from your credit card. However, unlike withdrawing from a checking account, this withdrawal comes with its own fees and high interest rates, costing you more than you may like.

How You Can Increase Your Debit Purchase Limit

It’s usually not difficult to get your bank to increase your limits for a one-time situation. But sometimes you find yourself making purchases above your daily limits. In that case, you can ask your bank to permanently raise your debit purchase (and/or ATM withdrawal) limit. This is done at the bank’s discretion and may not be as much of an increase as you would like.

You could also upgrade your account to a more preferred account. The daily ATM withdrawal limits for premium accounts tend to be higher than for basic accounts. For example, Citibank’s regular checking account has a $1,000 daily withdrawal limit and $5,000 daily debit card payment limit. The Citigold account has a $2,000 withdrawal limit and a $10,000 debit card limit. Before upgrading your account, you’ll want to make sure the account fits your lifestyle. The account may have a higher annual fee, account balance minimums or other requirements you may or may not be able to meet.

The Takeaway

Every checking account has its own limits for ATM withdrawals and debit purchases. It’s important to be aware of these limits so you don’t find yourself unable to make a purchase or withdrawal when you really need it. If your account limits are too restrictive, you can contact your bank to increase the limit either temporarily or permanently.

Tips for Responsible Banking

• Whenever you have a checking account, you always want to be aware of the fees that come with the account. This includes monthly fees, overdraft fees, minimum balance fees and more. Knowing about the fees will help you avoid any unnecessary costs.
• You also want to avoid overdrafts on your checking account. This is when you make a purchase that you can’t entirely cover with your checking account funds. You’ll face a fee for overdrafts, though there are some checking accounts designed to have a low overdraft fee. You may be able to set up overdraft protection on your checking account.

Update: If you have further financial questions, SmartAsset can help. So many people reached out to us looking for tax and long-term financial planning help, we started our own matching service to help you find a financial advisor. The SmartAdvisor matching tool can help you find a person to work with to meet your needs. First you’ll answer a series of questions about your situation and your goals. Then the program will narrow down your options to three fiduciaries who suit your needs. You can then read their profiles to learn more about them, interview them on the phone or in person and choose who to work with in the future. This allows you to find a good fit while the program does much of the hard work for you.

Photo credit: ©iStock.com/vm, ©iStock.com/vm, ©iStock.com/GeorgeRudy

Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. UponArriving has partnered with CardRatings for our coverage of credit card products. UponArriving and CardRatings may receive a commission from card issuers.

ATMs are extremely convenient and allow you to withdraw cash as well as make deposits with both cash and checks. But banks set certain limits for your withdrawals and Chase is no different. In this article, I’ll tell you everything you need to know about Chase ATM withdrawal limits, including when they reset, how to get increases, and how to avoid certain fees. I’ll also cover making ATM deposits as well.

What is the Chase ATM withdrawal limit?

For many Chase checking accounts your withdrawal limit will be $500 to $1,000 per day and your purchase limit will be $3,000 to $7,500 per day. However, you can take advantage of higher withdrawal limits by going in-branch during business hours.

If you actually go to a Chase branch while it’s open during business hours you can usually withdraw much higher limits from the ATMs. In my case, my usual $500 daily limit goes all the way up to $3,000 so the limit can be substantially higher.

You can find a Chase branch here.

Tip: Check out the free app WalletFlo so that you can optimize your credit card spend by seeing the best card to use! You can also track credits, annual fees, and get notifications when you’re eligible for the best cards!

The in-branch limit is separate from the non-branch ATMs. So you should be able to withdraw $3,000 from inside a branch and then head over to a Chase ATM machine (not located at a branch) and withdraw another $500 since the limits are separate.

However, the in-branch limit applies across all of your Chase debit cards so it wouldn’t be possible for you to withdraw $3,000 with one debit card in-branch and then to go back to Chase and attempt to withdraw $3,000 in-branch with debit card #2 on the same day.

Also, keep in mind that the Chase ATM withdrawal limit varies based on the type of Chase checking account that you have and possibly on the state that you opened up your account in. For thef most accurate information, simply call the number on the back of your debit card for more information. But if you’d like to see what the limits are for some Chase checking accounts keep reading.

When does the Chase ATM withdrawal limit reset?

The Chase ATM withdrawal limit will be reset every 24 hours so you’ll be able to withdraw $500 or $1,000 on consecutive days if you’d like. The exact time that the reset takes place is at midnight Eastern Standard Time(EST) so plan your withdraws accordingly.

I have heard of people successfully double dipping on an ATM withdrawal by waiting for the clock to turn midnight and then making a withdrawal shortly after.

Tip: Consider maximizing your cash back with one of the best cash back credit cards available: the Chase Freedom Flex. You can get $200 cash back after spending $500 in the first three months!

What is the international withdrawal limit?

The the international withdrawal limit should be the same as the limit you have at home. But keep in mind that you’ll be charged fees for the foreign transaction unless you have a certain type of account like Chase Private Client or Sapphire banking.

If you are traveling out of state like from California to New York, you should also have the same withdrawal limits for ATMs. In some cases, you might be limited to lower limits at non-Chase ATMs. For example, you could be limited to $500 for non-Chase ATMs if your limits would otherwise be at $1,000. So once again, it’s a good idea to call the number on the back of your debit card for more details.

Chase withdrawal limit increase

It is possible for you to get a withdrawal limit increase with Chase. These can happen in two different types of ways.

The first is that you are given a temporary increase. These are handy when you only need to pull out more for a big event or some other type of spending need. Getting a temporary increase usually isn’t that difficult, especially if you can provide Chase with a specific reason for why you need it.

The second type of increase is a permanent increase. In order to get a permanent increase you’ll likely need to keep a certain amount of funds in your bank account (such as $1,000 every day). Thus, these type of increases will be a little tougher to get.

The amount that you can get increased to varies by customer. In some cases you might be able to increase your daily limit from $500 to $1,000 but in other cases it might be a smaller or larger amount.

If you’re able to sign-up for a Chase Sapphire banking account or Chase Private Client account you can also get higher limits for your withdrawals. For example, with Chase Private Client you might be able to pull out up to $2,000 or even $3,000 depending on the location. Also, your daily purchase limit will likely be higher at around $7,500.

Other options with higher limits include the Premium Platinum Debit Card with limits of $3,000 at Chase ATMs.

If you’d like to request a higher limit simply call the Chase customer service phone number at: 1-800-935-9935.

Similar to getting a credit limit increase, it will help if you can explain to the agent why you need an increased limit.

Student card ATM withdrawal limits

If you have one of the student cards issued by Chase like a High School debit card your limits may be much lower. For example, your withdrawal limit might be capped at $500 and your purchase limit might be even lower. Some cards for students are strictly ATM cards and can’t be used on purchases at all so keep that in mind.

Non-ATM (teller) withdrawals

Remember that you can always go in-branch to a teller in order to pull more funds out of your bank account. If you bypass the ATMs and deal directly with a teller, you should not have any limits on the amount that you can withdraw.

And if you can’t make it to a bank, consider going into a place like a grocery store to pull out cash back after your purchase. Many people but something like a drink or pack of gum and then request cash back. Just be aware that you’ll be limited by how much cash back you can get.

Chase withdrawal ATM fees

If you have a standard Chase Total Checking account you’ll have to pay fees for non-Chase ATMs. These are ATMs that do not have Chase branded on them and belong to other banks. However, you can avoid some of these fees with other account types and you can read more about those below.

Keep in mind that just because you are not charged a fee from Chase, that doesn’t mean you’re off the hook. The ATM owner may still impose a fee on you (although again you can get this refunded with certain types of accounts like Sapphire and Private Client).

Tip: Consider maximizing your cash back with one of the best cash back credit cards available: the Chase Freedom Flex. You can get $200 cash back after spending $500 in the first three months!

Chase Total Checking

• $2.50 for any inquiries, transfers or withdrawals while using a non-Chase ATM in the U.S., Puerto Rico and the U.S. Virgin Islands. Fees from the ATM owner still apply.
• $5 per withdrawal and $2.50 for any transfers or inquiries at ATMs outside the U.S., Puerto Rico and the U.S. Virgin Islands.

Chase Premier Checking

• $0 for the first four inquiries, transfers or withdrawals each statement period at a non-Chase ATM. Fees from the ATM owner still apply. A Foreign Exchange Rate Adjustment Fee from Chase will apply for ATM withdrawals in a currency other than U.S. dollars.
• $2.50 for any additional inquiries, transfers or withdrawals over four while using a non-Chase ATM in the U.S., Puerto Rico and the U.S. Virgin Islands. Fees from the ATM owner still apply.
• $5 per withdrawal and $2.50 for any transfers or inquiries at ATMs outside the U.S., Puerto Rico and the U.S. Virgin Islands (the $5 withdrawal or $2.50 Transfer or Inquiry Fee can be waived as part of the first four inquiries, transfers or withdrawals). Fees from the ATM owner still apply.

Chase Sapphire and Private Client

• No withdrawal fees worldwide

Find a Chase ATM

If you’re looking for a Chase ATM you can find one near you here. Some ATMs might be cardless which means that you can use a mobile wallet like Apple Pay, Samsung Pay, or Google Pay to make transactions at Chase ATMs. Look for the cardless logo to see where these are located.

Maximum Withdrawal From 401k

In addition to withdrawing funds, you can also deposit checks and cash at Chase ATMs. Many of the ATMs are open 24 hours a day so this is a great way to deposit your funds at all hours (though remember that you can use the Chase mobile App to make deposits as well).

You can also make transfers, view your balances, see your recent transactions and in the future you will be able to make payments to your credit card.

Chase Atm Maximum Withdrawal

Chase ATM deposit limits

The limits for depositing at ATMs are as follows: you can deposit up to 30 checks and 50 bills at a time at select ATMs. If you need to order Chase checks or find out more about ordering those checks you can click here. Also, if you need to find out more about how to make transfers with Chase Quick Pay read on here.

Keep in mind that if you make a deposit with a check, you may only have limited access to your funds the next day. For example, you might only have access to $200 the next day until your check clears.

Chase ATM Withdrawal Limit FAQ

The standard withdrawal limit for Chase ATMs is $500 to $1,000 per day.
However, if you have a premium bank account you might be able to withdraw higher amounts ranging from $2,000 to $3,000.

By going inside a Chase branch during business hours you can typically withdraw much more than your daily limit from an ATM.
You can also call Chase and request a temporary increase in your ATM withdrawal limit.

Because different accounts have different limits, the best way to find out your withdrawal limit is to call the number on the back of your debit card.

The withdrawal limit will reset at midnight Eastern standard time.

The limit for international ATM withdrawals will likely be the same as the limit in the US.

If you are withdrawing funds from a bank teller at a Chase branch then you should not have any limit on the amount you can withdraw.

The fees will depend on the type of bank account you have opened.
Certain types of accounts such as Chase Sapphire and Private Client will not charge you ATM fees for using non-Chase ATMs.
But for a standard account, you will be charged $2.50.

You can find one near you here.

Final word

Chase has some pretty standard limits for ATM withdrawals. But if you’d like to up your limits you can also make a special request to a customer service agent and possibly get your limits increased from $500 to $1,000. Also, some Chase accounts allow you to have higher withdraw limits and also come with lower fees, so check those out.

Maximum Withdrawal From Wells Fargo Atm

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Daniel Gillaspia is the Founder of UponArriving.com and creator of the credit card app, WalletFlo. He is a former attorney turned full-time credit card rewards/travel expert and has earned and redeemed millions of miles to travel the globe. Since 2014, his content has been featured in major publications such as National Geographic, Smithsonian Magazine, Forbes, CNBC, US News, and Business Insider. Find his full bio here.

Maximum Withdrawal Chase