The Withdrawal Rules of Chase National Bank

Chase National Bank offers a variety of financial products, including savings and checking accounts, debit and credit cards, and mortgage loans. Each of Chase’s five checking accounts comes with a debit card to use for purchases and to withdraw money from an ATM. The rules guiding withdrawals are similar across all Chase accounts.

ATM Fees

Of the five checking accounts, only one -- Chase Premier Platinum Checking -- does not charge any fees for withdrawing money at non-Chase ATMs as of early 2015. The Chase Premier Plus Checking offers four free non-Chase ATM withdrawals a year, with a $2 charge per non-Chase ATM withdrawal after that. The rest of the accounts have no fees for using a Chase ATM, but impose a $2 charge for non-Chase ATMs inside the United States and $5 for non-Chase ATMs outside the country.

Savings Accounts

For its savings accounts, Chase follows federal law and allows only six withdrawals in a month when done by check, electronically or over the telephone. In-person or ATM withdrawals do not count toward this limit. If you go over the limit, Chase charges a Savings Withdrawal Limit fee, which varies depending on the account.

Other Rules

If you make a large cash withdrawal, Chase might have you sign a waiver releasing it from any liability if you get robbed. Chase declines any ATM request if you do not have sufficient funds in your account to cover the withdrawal. Each type of debit card and checking account also has daily withdrawal limits. To find out your account’s daily limits or increase that limit, call a Chase customer service rep at 1-800-935-9935.