Why this question matters for Chase customers
For Chase customers, knowing which ATMs are free is essential to avoid unexpected out-of-network fees. Chase operates a large in-network ATM footprint, and it also honors No Surcharge ATMs and partners through programs like Allpoint and MoneyPass. This evergreen guide explains how to identify fee-free options, how ATM surcharges and foreign fees work, and how to verify whether a specific ATM is free, using reliable tools and settings you can control.
In-network ATMs are free for Chase checking account holders
At Chase Bank, in-network ATMs refer to ATMs owned or operated by Chase and participating shared branching locations. Using an in-network ATM with a Chase checking account is typically free and does not incur an out-of-network fee. You can recognize these ATMs by the Chase logo, or by using Chase’s location tools to confirm an ATM is part of the branch network. In-network usage includes basic withdrawals, balance checks, and depositing cash or checks when enabled.
How to find Chase in-network ATMs
- Use the Chase ATM/Branch locator on the Chase website or mobile app and filter by 'ATM' to see nearby in-network options.
- Look for the Chase logo and signage at the ATM location.
- Log in to online banking or the Chase app and use the 'Find ATMs or Branches' feature for the most accurate, real-time list.
No-Surcharge ATMs and the Global ATM Alliance
No-Surcharge ATMs are ATMs that display signage indicating no operator-imposed surcharge. Chase participates in the Global ATM Alliance, which includes banks in the United States, United Kingdom, Canada, Mexico, India, and China. Partner banks in this alliance offer no-surcharge withdrawals for Chase cardholders at their in-network ATMs. This can be useful when traveling domestically or internationally, though foreign transaction fees may still apply depending on your account type and destination.
Chase and MoneyPass: a broad surcharge-free network
Chase is a core partner of MoneyPass, a large surcharge-free ATM network in the United States. This means that at many MoneyPass ATMs, Chase customers can withdraw cash without paying an ATM operator surcharge. MoneyPass locations are commonly found in places like convenience stores, gas stations, and retailers. However, it is important to verify that the specific ATM is part of the MoneyPass network and does not have a local surcharge, as not every machine labeled as MoneyPass is guaranteed surcharge-free in every scenario.
Chase and Allpoint: access with possible fees
Chase also partners with Allpoint, a widespread ATM network found at many retailers and convenience stores. Allpoint ATMs are generally accessible to Chase customers, but fees can vary. Some Allpoint ATMs are surcharge-free for Chase, while others may charge an operator fee depending on location, merchant settings, or regional agreements. International usage on Allpoint can also trigger foreign transaction fees depending on your card and account type. Always confirm the fee status at the ATM screen before completing a transaction.
Avoiding out-of-network fees at non-Chase ATMs
When you use an ATM that is not in Chase’s network and not part of a no-surcharge alliance, you may face two types of fees: an out-of-network fee charged by Chase and an operator surcharge charged by the ATM owner. Chase typically displays a clear warning on-screen before you finalize a withdrawal if the ATM is out of network. To avoid these charges, decline the transaction if fees appear, and choose a different ATM. You can also adjust your card settings in online banking to block non-Chase ATM use, which can prevent accidental out-of-network withdrawals.
Practical tips to reduce ATM fees while traveling
- Plan ahead and use the Chase locator to map out in-network ATMs at your destination.
- Check whether local partner networks like MoneyPass or Allpoint have fee-free coverage in the area.
- Carry a small buffer of cash to avoid urgent out-of-network withdrawals.
- Review your card settings in the Chase app and consider restricting ATM use to in-network machines if you travel frequently.
- Be aware that international transactions may incur foreign transaction fees, separate from ATM fees.
Clear comparison of ATM fee scenarios for Chase customers
| ATM type | Owner/network | Typical Chase fee outcome | Typical Chase customer experience |
|---|---|---|---|
| In-network Chase ATM | Chase | No fee | Free withdrawal, balance check allowed |
| MoneyPass ATM (surcharge-free) | MoneyPass network | No fee | Free withdrawal if ATM and card terms qualify |
| Allpoint ATM (no surcharge displayed) | Allpoint network | May be free or may have an operator fee | Confirm on-screen; fees vary by location and card type |
| Out-of-network, no surcharge | Independent ATM | Out-of-network fee + possible operator fee | Costly; avoid if possible |
How ATM surcharges and foreign fees work
An ATM surcharge is a fee imposed by the ATM owner or operator, displayed on the screen before you confirm the transaction. Chase may also assess an out-of-network fee depending on your account type and card benefits. Foreign transaction fees apply to purchases and ATM withdrawals outside the U.S. and can stack with ATM surcharges. Not all Chase accounts or cards include foreign transaction fee waivers, so it is important to check your specific card benefits. Dynamic currency conversion, where the ATM offers to charge you in your home currency, often results in poor rates; declining this option typically saves money.
How to verify a specific ATM is free before you withdraw
To confirm whether a particular ATM is free, pause at the screen and review the fee notice, usually shown after card insertion and before account selection. Look for signage at the ATM indicating 'No Surcharge' or network branding like MoneyPass or Allpoint. Use the Chase app or website to cross-check the ATM location and network. Finally, if you see a confirmation of an ATM fee on-screen, cancel the transaction and relocate to a different machine to avoid charges.
Alternative options when you need cash
If fee-free ATMs are not convenient, consider alternatives that may reduce fees: cashback at grocery stores or retailers, using Chase branch cashiers, or transferring funds digitally to cover expenses. Some Chase accounts include stipends or reimbursements for ATM fees, depending on the account type and region. Check your account terms or contact Chase support to confirm whether you qualify for ATM fee refunds or monthly allowances.