The fastest way to withdraw from Chase savings
You can withdraw money from a Chase savings account at an ATM, in person at a branch, by transferring to another bank account, or by requesting a cashier's check. The method you choose depends on how much you need, how quickly you need it, and whether you want the money in cash or as a transfer.
ATM withdrawals are instant but limited by daily withdrawal caps—typically $500 to $1,000 depending on your account type and history with Chase. In-person withdrawals at a branch have no daily limit and take just a few minutes. Transfers to another bank account take one to three business days. Cashier's checks take one business day to issue and then depend on how the recipient deposits them.
Key Takeaways
- Chase ATMs let you withdraw cash instantly up to your daily limit, which is usually $500 to $1,000 but can be higher if you request an increase.
- Withdrawing in person at a Chase branch removes the daily limit and gives you cash the same day with no waiting period.
- Transferring to another bank account through Chase's website or app takes one to three business days and works for any amount.
- A cashier's check issued by Chase takes one business day and can be mailed or picked up, but the recipient's bank may hold it for several days before crediting the funds.
Withdrawing cash at a Chase ATM
Insert your debit card, enter your PIN, select "Withdrawal," choose your savings account, and enter the amount. The ATM will dispense the cash and print a receipt. This works at any Chase ATM and at most ATMs in the Allpoint network, which includes over 55,000 machines worldwide.
Your daily ATM withdrawal limit is set by Chase and varies by account type. Most savings accounts allow $500 to $1,000 per day. If you need more, you can request a temporary or permanent increase by calling Chase customer service at 1-800-935-9935 or visiting a branch in person. The increase may take one to two business days to process, so plan ahead if you know you will need a large withdrawal.
If an ATM declines your withdrawal because you have hit your daily limit, you cannot retry that same day. Your next withdrawal window opens at midnight. If you need cash urgently and have hit your limit, go to a Chase branch instead.
Withdrawing cash at a Chase branch
Walk into any Chase branch during business hours with your debit card or ID and ask a teller to withdraw funds from your savings account. Tell them the amount you need. They will verify your identity, process the withdrawal, and hand you cash. There is no daily limit for in-branch withdrawals, and the transaction is complete immediately.
Chase branches are typically open Monday through Friday from 9 a.m. to 5 p.m., and some locations have Saturday hours. You can find your nearest branch and its hours on Chase's website or by calling 1-800-935-9935. If you do not have your debit card, bring a government-issued ID. If you are not on the account, bring the account holder and their ID.
Transferring money to another bank account
Log into your Chase account online or through the mobile app, select your savings account, and choose "Transfer Money." Select the external bank account you want to send the funds to. If you have not set up an external account yet, you will need the routing number and account number of the receiving bank. Enter the amount and confirm the transfer.
Chase processes external transfers in one to three business days. The exact timing depends on the receiving bank's processing speed. Weekends and federal holidays do not count as business days, so a transfer initiated on Friday may not arrive until Tuesday. You can schedule transfers in advance if you know when you want the money to move.
If you transfer to another Chase account you own, the money moves instantly. If you transfer to a non-Chase account, it follows the one- to three-day window. You can transfer any amount, and there is no daily limit for external transfers like there is for ATM withdrawals.
Requesting a cashier's check
Visit a Chase branch and ask a teller to issue a cashier's check drawn on your savings account. Provide the name of the payee (the person or business the check is written to), the amount, and any memo line details. The teller will deduct the amount from your account immediately and issue the check on the spot or within one business day, depending on the branch.
Cashier's checks are useful when the recipient will not accept a personal check or a transfer. They carry the bank's may provide, so the recipient knows the funds are real. However, the recipient's bank may place a hold on the check for up to 10 business days before crediting the funds, even though Chase issued it immediately. If the recipient needs the money faster, a direct transfer is usually better.
There is no fee for a cashier's check at most Chase branches, but confirm this when you request it. If you need the check mailed instead of picked up, ask the teller about mailing options and timing.
Understanding withdrawal holds and limits
Chase may place a hold on your savings account if there is suspicious activity, a large withdrawal, or a recent deposit. A hold means you cannot withdraw the money even though it shows in your balance. Holds typically last one to five business days. If you think a hold is in error, call Chase at 1-800-935-9935 and ask why the hold is in place and when it will be removed.
Savings accounts are also subject to federal limits on the number of withdrawals you can make per month. Historically this was six withdrawals, but the limit was suspended during the pandemic and has not been formally reinstated. Check your account agreement or call Chase to confirm what limits apply to your specific account.
If you regularly need to withdraw large amounts of cash, consider whether a checking account might better suit your needs, since checking accounts typically have no withdrawal limits. You can also ask Chase about increasing your daily ATM limit if you use ATMs frequently.
What to do if your withdrawal is declined
If an ATM declines your withdrawal, the most common reasons are: you have hit your daily limit, your card is expired or blocked, you entered the wrong PIN, or there is a hold on your account. Check your receipt or the ATM screen for the specific error message.
If the error is a daily limit, wait until the next calendar day or go to a branch. If your card is expired, order a replacement through the Chase app or website—it arrives in five to seven business days. If you entered the wrong PIN three times, the ATM will keep your card; call Chase to retrieve it. If there is a hold, call Chase to find out why and when it will lift.
If you need cash immediately and cannot use an ATM, go to a Chase branch. If no branch is open, some Chase locations have extended hours or partner with other banks to provide after-hours access.
Frequently Asked Questions
Can I withdraw money from my Chase savings account without my debit card?
Yes. At a Chase branch, bring a government-issued ID and ask a teller to withdraw funds. At an ATM, you cannot withdraw without a card. If your card is lost or stolen, order a replacement through the app or call 1-800-935-9935, and it will arrive in five to seven business days.
How much can I withdraw from my Chase savings account in one day?
At an ATM, your daily limit is usually $500 to $1,000. At a branch, there is no daily limit. You can request a higher ATM limit by calling Chase or visiting a branch, and the increase typically takes one to two business days.
Does withdrawing from savings hurt my credit score?
No. Withdrawals from a savings account do not affect your credit score. Your credit score is based on borrowing and repayment history, not on how much money you keep in savings or how often you withdraw it.
What happens if I withdraw more than my daily ATM limit?
The ATM will decline the withdrawal. You can try again the next calendar day, or you can go to a Chase branch and withdraw any amount in person without a limit.
How long does it take to transfer money from Chase savings to another bank?
One to three business days. Transfers to another Chase account you own are instant. Weekends and federal holidays do not count as business days, so a Friday transfer may not arrive until Tuesday.