Navigating Chase ATM Limits: Tips for Maximizing Withdrawals and Deposits
Cash is essential, especially when banks are closed and you need it immediately. If you have a checking or savings account with Chase and an ATM or debit card, here’s what you need to know about withdrawing cash from a Chase ATM.
### Chase ATM Withdrawal Limits
When you first get your Chase debit card, it comes with an ATM withdrawal limit. Although this limit isn’t listed on the Chase website, a customer service representative provided the following details:
– **Basic Chase Debit Card:** You can withdraw up to $3,000 per day at an in-branch Chase ATM. For Chase ATMs outside your branch, the limit is $1,000 per day. Non-Chase ATMs have a limit of $500 per day.
– **Chase Private Client Debit Card:** You can withdraw up to $2,000 from non-Chase ATMs.
These limits can vary depending on the type of card and transaction.
### Chase ATM Deposit Limits
There’s no limit to the amount of money you can deposit at a Chase ATM. However, the machine’s design might limit the number of bills you can deposit in one go. You can deposit up to 30 checks in a single transaction. There are no limits on the dollar amount or the number of transactions you can perform in a day.
### Fund Availability
When you deposit cash at a Chase ATM, the funds are usually available the same business day. Direct deposits and wire transfers are also available the same day. For check deposits, the funds are typically available the next business day.
### Check Holds
Sometimes, Chase might place a longer hold on a check. If this happens, the date when the deposit will be available will be shown on your ATM receipt. Chase will make the first $225 of the deposit available the next business day.
### Increasing ATM Withdrawal and Deposit Limits
To increase your ATM withdrawal limit, you can speak with a banker at a Chase branch. However, increasing the limit for out-of-branch ATMs might not be possible. There are no limits on deposits at a Chase ATM.
### Transfer Limits
Most Chase accounts have a daily transfer limit of $25,000. For Chase Private Client or Chase Sapphire Banking accounts, the limit is $100,000 per day. Transfers to or from accounts at other institutions usually take one to two business days and may be subject to the other bank’s limits.
### Getting Cash After Reaching Your Limits
If you’ve hit your ATM withdrawal limit but still need cash, here are some alternatives:
– **Cash Back at a Retailer:** When making a purchase with your Chase debit card, you can request cash back. The maximum amount is set by the retailer.
– **Withdraw from Another Account:** If you have multiple accounts linked to different debit cards, each card has its own limit. If all accounts are linked to a single card, the single limit applies.
– **Cash a Check:** You can cash a check at a Chase branch. For third-party checks, you’ll need enough funds in your account to cover the amount, as check deposits usually aren’t available until the next business day.