At a non-Chase ATM, Chase charges its own fee on top of whatever the machine’s operator adds. For most checking and savings accounts, the non-Chase ATM fee is $3 per withdrawal in the United States and its territories, and $5 per withdrawal anywhere else.1Chase. Total Checking Account Fees That Chase charge is separate from, and in addition to, the surcharge the ATM operator sets.2Chase. Deposit Account Agreement – Additional Banking Services and Fees
What a Single Out-of-Network Withdrawal Actually Costs
Two charges hit the same transaction. Chase deducts $3 (or $5 outside the U.S.) directly from your account. The ATM operator adds its own surcharge, which averaged about $3.22 nationwide in Bankrate’s 2025 survey.3Bankrate. Checking Account and ATM Fee Study Put together, a single domestic out-of-network withdrawal often runs past $6. The national average total cost for an out-of-network ATM transaction reached a record $4.86 in 2025, the third straight year the figure set a new high.4CBS News. ATM Fees Hit Record High
Both charges appear as separate line items on your statement, so you can see each one after the fact.2Chase. Deposit Account Agreement – Additional Banking Services and Fees
Using a Non-Chase ATM Abroad
Outside the U.S., standard Chase accounts face three potential costs on the same withdrawal: the $5 Chase fee, the ATM operator’s surcharge, and a 3% foreign exchange rate adjustment applied after the transaction is converted to U.S. dollars.2Chase. Deposit Account Agreement – Additional Banking Services and Fees On a $200 withdrawal, the 3% adjustment alone adds another $6 before the operator’s surcharge is counted.
Some foreign ATMs also offer “dynamic currency conversion,” which locks in an exchange rate at the machine and charges its own conversion fee. Chase does not reimburse these conversion fees on standard accounts. Customer reports indicate that Chase representatives treat an ATM surcharge (potentially refundable on certain premium accounts) differently from a currency-conversion fee (not refundable).5FlyerTalk. Chase Refused Refund ATM Fees Sapphire Checking Customer
Chase Accounts That Waive or Refund the Fee
The bank’s higher-tier checking products remove some or all of these charges, though the qualifying requirements rise with the benefits.
- Chase Total Checking and Chase Secure Checking. No waivers. You pay the full $3 domestic or $5 international Chase fee, plus the operator surcharge, plus the 3% foreign exchange adjustment on non-dollar withdrawals.6Chase. Secure Checking Account Fees
- Chase Premier Plus Checking. Chase waives its own ATM fee worldwide and drops the 3% foreign exchange adjustment. The ATM operator’s surcharge still applies. To avoid the $25 monthly service fee, customers generally need a $15,000 average daily balance across qualifying accounts, a linked Chase mortgage with autopay, or qualifying military status.7Chase. Premier Plus Checking Account Fees
- Chase Sapphire Checking. Chase waives its ATM fee worldwide, drops the foreign exchange adjustment, and refunds surcharges the ATM operator charges. This account is no longer open to new customers.8Chase. Sapphire Checking Account Fees
- Chase Private Client Checking. The same full package as Sapphire: no Chase fee, no FX adjustment, and operator surcharges refunded. Qualifying requires $150,000 in combined deposits and investments.9Chase. Chase Private Client Checking Account
On the savings side, Chase Private Client Savings offers the same surcharge-refund benefit when linked to a Private Client Checking account. Chase Premier Savings waives the bank’s own ATM fee but does not reimburse operator surcharges.2Chase. Deposit Account Agreement – Additional Banking Services and Fees
Balance Inquiries and Transfers at Non-Chase ATMs
Chase’s fee schedules list the non-Chase ATM charge specifically for withdrawals. The bank’s deposit account agreement does not list a separate Chase fee for checking a balance or making a transfer at a non-Chase ATM.2Chase. Deposit Account Agreement – Additional Banking Services and Fees The ATM operator may still charge its own surcharge for those transactions.
How to Avoid or Reduce the Fee
The simplest fix is to use a Chase ATM. The bank operates more than 15,000 machines nationwide, and you can find the nearest one through the Chase ATM locator on the bank’s website or in the Chase Mobile app. For international travel, the locator links to Visa’s global ATM search tool.10Chase. ATM and Branch Locator
A few other approaches help when a Chase ATM isn’t nearby:
- Get cash back at checkout. Using your debit card at a grocery store or retailer and requesting cash back avoids ATM fees entirely. Most major retailers offer this for free, though some charge a small fee of their own.11Bankrate. How to Avoid ATM Fees
- Withdraw more, less often. Because Chase charges per transaction, taking out more cash in a single visit (within daily limits, typically $500 to $1,000) reduces how many times the fee is triggered.
- Consider a second account for out-of-network access. Charles Schwab (unlimited domestic and international ATM-fee reimbursement), Alliant Credit Union (up to $20 per statement cycle), and Axos Bank (unlimited domestic reimbursement) offer checking products designed to eliminate ATM fees without requiring a six-figure balance.11Bankrate. How to Avoid ATM Fees
On courtesy refunds, Chase’s published fee schedules do not promise one-time waivers for standard account holders. The Consumer Financial Protection Bureau notes that some banks will issue a courtesy credit for an accidental out-of-network charge, but there is no guarantee, and Chase’s own materials describe no such process.2Chase. Deposit Account Agreement – Additional Banking Services and Fees If you have been charged and want the fee reviewed, calling the number on the back of your card is the route the bank leaves open.