What are the Limits on Chase ATM and Purchase Transactions?
Chase is one of the largest banks in the United States, with more than 5,000 branches and millions of customers in the United States.
If you have a Chase ATM or debit card, you might find yourself in a situation where you need cash, but reach Chase’s card withdrawal limit.
When that happens, you’ll need to find another way to get the cash you need.
Find out what are Chase’s ATM and debit card limits and how you can get more cash out of your account when you need it.
Withdrawal Limits Vary
The first thing that you need to know is what your card withdrawal limit is.
There’s no easy answer to this because limits can vary.
Your withdrawal limit is affected by both the type of transaction being made and the type of card that you have.
With a basic Chase debit card, you can withdraw $3,000 from an in-branch Chase ATM. However, you can withdraw just $1,000 from other Chase ATMs, and only $500 from non-Chase ATMs.
If you have the Chase Private Client debit card, you can withdraw as much as $2,000 from non-Chase ATMs.
We’ve included a table with all of the Chase debit card limits.
Chase ATM/debit card transaction limits
|Card type||Purchase limit||Chase in-branch ATM limit||Other Chase ATM limit||Non-Chase ATM limit|
|Chase Debit Card||$3,000||$3,000||$1,000||$500 ($1,000 for accounts opened in CT, NJ, NY)|
|Chase Skyline Debit Card (IL only)||$3,000||$3,000||$1,000||$500|
|Premium Platinum Debit Card||$7,500||$3,000||$3,000||$1,000 ($2,000 for accounts opened in CT, NJ, NY)|
|Chase Private Client Client Debit Card||$7,500||$3,000||$3,000||$2,000|
|Better Banking Debit Card
Chase Disney Debit Card
Premier Debit Card
|$5,000||$3,000||$1,000||$500 ($1,000 for accounts opened in CT, NJ, NY)|
|High School Debit Card||$300||$500||$500||$400|
|Access Debit Card||$300||$3,000||$1,000||$400|
|Chase ATM Card||N/A||$3,000||$1,000||$300 ($1,000 for accounts opened in CT, NJ, NY)|
|Chase High School ATM Card||N/A||$500||$500||$300|
What you should note about these limits:
- These limits are daily limits. You can’t make a $3,000 withdrawal in the morning, then make another $3,000 withdrawal that evening.
- The Chase in-Branch ATM limit is separate from all other limits. You can withdraw your limit from an in-branch ATM and still make a withdrawal from an out of branch ATM in the same day. Withdrawals made at in-branch ATMs after business hours don’t count as in-branch withdrawals. After the branch closes, the withdrawals count as a withdrawal from other Chase ATMs.
- The limits don’t apply to each individual account. If you have more than one Chase checking account, these some of these limits are shared by each of your debit cards.
- The Chase in-branch ATM withdrawal limit is shared by all of your debit cards. You can’t withdraw $3,000 using one card and then withdraw $3,000 using a different one. Similarly, the limits on withdrawals from other Chase ATMs and non-Chase ATMs are shared across cards.
- Withdrawals made from a non-Chase ATM count towards your other Chase ATM limit. You can’t get $1,000 from a non-Chase ATM and then $3,000 from a Chase ATM outside a branch.
If you need a lot of cash but are hitting your withdrawal limit, there are still ways that you can get the money you need. But before using those tricks, you should try to increase your withdrawal limits.
Purchase Limits Apply Too
One thing that many people don’t know is that there are also purchase limits on debit cards.
For example, a basic Chase debit card won’t let you make more than $3,000 in purchases in a single day.
The reality is:
This limit is in place for security reasons. If someone steals your debit card, they can’t use it to drain your account by making expensive purchases.
Remember, debit card purchase limits are separate from debit card withdrawal limits. You can max out your ATM withdrawals for the day and still use your card to make purchases.
How to Get a Higher Limit
The withdrawal limits that we listed are the defaults for Chase’s debit cards, but there are ways to change them.
Ask for it
The easiest way to be able to withdraw more when you need to is to contact Chase and request an increased withdrawal limit.
- Refer to the back of your debit card and call the phone number listed to contact customer support.
- You can also call Chase’s general customer service line at 1-800-935-9935.
When you get in touch with a representative, explain what you need. Specifically, ask them if they could authorize an increase in your debit card’s ATM withdrawal limits.
When you make the request, be ready to answer questions.
The customer service representative will ask why you need an increased limit. Explain your situation and why you need to withdraw more than your usual limit.
If it’s a one-time request like making a large cash purchase, you can ask for the limit to be raised temporarily. If you find yourself in a situation where you expect to be making large cash withdrawals on a regular basis, you can ask for a permanent increase.
Generally, getting a one-time exception is easier, so asking for a temporary increase is best.
If you do regularly hit your withdrawal limit, you should ask for a permanent increase, but be prepared to lay out a case for why.
If you get a one-time increase to your withdrawal limit, don’t expect to be able to withdraw thousands of extra dollars. In most cases, Chase will only authorize you to withdraw few hundred dollars more than usual.
Get a deeper relationship with Chase
One thing that will make your life easier when requesting an increase in the limit is your relationship with Chase. If you’ve had accounts with Chase for years and shown that you’re a trustworthy customer, Chase will be more likely to increase your debit card limits.
When thinking about your relationship with Chase, remember that your relationship hinges on length and quality, not quantity. If you have dozens of accounts, that probably won’t matter to Chase as much as the fact that you’ve been a Chase customer for years.
You can also try upgrading or changing your account type if you need a higher limit permanently. As the table above illustrates, the more premium accounts that Chase offers have higher limits.
How to Get More Cash If You Need It
If you’ve hit your ATM withdrawal limit and still need more cash, you’re not completely out of luck.
One of the easiest ways to get cash if you need it is to visit a Chase branch. You can speak with a teller directly and withdraw cash.
The limit on how much you can withdraw from your account by speaking to a teller at a bank is much higher than the ATM withdrawal limit. If you need a lot of cash, visiting a branch is probably your best bet.
Debit card cash back
If you aren’t near a branch but still need cash, you can take advantage of the fact that some stores let you get cash back with debit card purchases. Most grocery stores allow you to request a certain amount of cash back when you make a purchase.
For example, you could visit your local grocery store and buy $40 worth of groceries, and ask for $20 in cash back. When you do, the store will charge your debit card for $60, giving you the groceries you purchased and $20 in change.
If you need cash badly, you can buy something inexpensive like a candy bar and request cash back. Consider the cost of the item you purchase a sort of withdrawal fee.
Keep in mind that there’s a limit to how much cash a grocery store will be willing to give you in cash back.
Don’t expect to get thousands in cash back, maybe a few hundred dollars at most.
Also, remember that both the purchase total and cash back you receive will count towards your daily purchase limit. If you visit multiple stores, you’ll have to keep track of how much your spending towards your limit.
Credit card cash advance
In a truly dire situation, you can get cash by getting a cash advance from your credit card.
You should try to avoid this at all costs because credit card cash advances are expensive. Some cards charge you an upfront fee for cash advances. With credit card purchases, there is a grace period before you incur interest.
Cash advances start charging interest immediately, making them potentially very expensive.
Another thing to remember is that most credit cards have far lower cash advance limits than they do credit limits. If you have a $10,000 credit limit, you might not be able to get even $1,000 as a cash advance.
If you absolutely must use a cash advance, make sure you know how much you’ll be able to withdraw and make sure it’s enough to meet your need. Otherwise, you’ll have incurred the costs of the cash advance without getting enough cash.
If you find yourself in need of cash quickly, an ATM is one of the easiest ways to withdraw money from your account.
If you need a lot of cash, you might find yourself running up against your daily withdrawal limit.
When that happens, contact Chase and ask for a temporary increase in your withdrawal limit. If that doesn’t work, or you need more cash, you can try to get cash back from stores to get the cash you need.