No, are allpoint atms free for chase? Allpoint machines count as non-network for most Chase accounts, so standard non-Chase ATM fees usually apply.
If you bank with Chase and spot an Allpoint logo at a grocery store or pharmacy, the idea of free cash withdrawals sounds great. Allpoint signs talk about “surcharge-free” access, and Chase promotes thousands of its own ATMs across the country. Put those together and the question pops up fast: are allpoint atms free for chase?
The short answer for everyday Chase checking customers is no. Allpoint ATMs sit outside the Chase network, so Chase treats them as non-Chase machines. That means you normally pay Chase’s non-network ATM fee, and you may also see a surcharge from the ATM operator unless your account type refunds those costs.
Are Allpoint ATMs Free For Chase?
Allpoint is a large surcharge-free ATM network with more than 55,000 machines worldwide at retailers such as pharmacies, supermarkets, and big-box stores. Cardholders from banks and credit unions that join the Allpoint network can withdraw cash without paying an operator surcharge at those machines.1
Chase does not promote any public partnership with the Allpoint network for standard consumer checking or savings accounts. When a Chase debit card hits an Allpoint ATM, the machine treats that card like any other non-partner bank card. From Chase’s side, the transaction shows up as a non-Chase ATM withdrawal.
For most Chase checking accounts, the fee schedule lists a flat charge at non-Chase ATMs: $3 per withdrawal inside the U.S. and its territories, and $5 per withdrawal outside the U.S., plus any fee from the ATM owner or network.2 Some higher-tier accounts wipe out those charges, which is where the confusion around “free” Allpoint access usually starts.
| ATM Scenario | Who Charges You | Typical Cost For Standard Chase Account |
|---|---|---|
| Chase ATM in the U.S. | Chase | $0 per withdrawal |
| Non-Chase ATM in the U.S. (includes Allpoint) | Chase | $3 per withdrawal, plus any ATM owner surcharge |
| Non-Chase ATM outside the U.S. | Chase | $5 per withdrawal, plus any ATM owner surcharge |
| International non-Chase ATM in foreign currency | Chase | $5 fee plus foreign exchange adjustment, plus any surcharge |
| Non-Chase ATM for higher-tier Chase Sapphire Banking | Chase | No Chase non-network fee; many ATM surcharges refunded |
| Allpoint ATM with a bank that joins the Allpoint network | Bank and Allpoint | No operator surcharge; bank may still charge an out-of-network fee |
| Balance inquiry at non-Chase ATM | Chase and ATM owner | Fees can apply even without a withdrawal |
The picture that table shows is simple: Chase ATMs are free for Chase customers, while Allpoint ATMs fall into the non-Chase bucket. Only specific Chase account tiers remove that non-network fee and refund the operator’s surcharge. For everyone else, using Allpoint as a Chase customer works, but it usually carries a price tag.
How Allpoint Surcharge-Free ATMs Work
To sort out whether are allpoint atms free for chase, it helps to see how the Allpoint network is set up. Allpoint is a shared ATM network that partners with banks and credit unions. Those institutions pay Allpoint so their cardholders can use participating ATMs without an operator surcharge.
From a cardholder’s view, that “surcharge-free” promise only covers the fee that pops up on the ATM screen from the machine owner. It does not control the fee your bank charges on its side. Many Allpoint partner institutions choose to waive their own out-of-network ATM fee on those machines, which brings the total cost down to zero.
Allpoint’s own FAQs state that ATMs listed on its locator are surcharge-free for that network’s cardholders, even in cases where the physical machine does not yet show the Allpoint logo.1 That statement only applies when the card comes from a financial institution that actually joins the Allpoint network, which is not the case for regular Chase checking accounts.
So while Allpoint markets a surcharge-free experience, the final result always depends on the bank that issued the card. The network can turn off its own operator fee. The bank still decides how to handle its non-network ATM charge.
Chase ATM Fees At Non-Network Machines
Chase lays out its ATM pricing for consumer accounts in a clear fee schedule. For typical checking products, the bank lists a “Non-Chase ATM” fee of $3 per withdrawal inside the U.S. and its territories and $5 per withdrawal outside the U.S., on top of any charge from the ATM owner.2 A separate foreign exchange adjustment fee can also apply on international withdrawals.
From Chase’s view, an Allpoint machine is simply another non-Chase ATM. The bank does not call out Allpoint by name in its public fee schedule. Instead, it draws a line between “Chase ATMs” and every other ATM. That means Allpoint, MoneyPass, and many other shared networks all land in the same non-network bucket for standard Chase customers.
Chase also publishes education pieces that remind customers that out-of-network ATMs usually carry two layers of fees: one from the ATM-operating bank and one from the customer’s own bank.3 This lines up with what you see when you use an Allpoint machine with a Chase debit card: the Allpoint side may or may not show a surcharge, while the Chase side applies its own non-network fee based on the account type.
Because fee structures can change, it is smart to confirm the current “Non-Chase ATM” line in the latest Chase fee schedule before you rely on any specific dollar amount. That document sets the baseline for what you pay at Allpoint or any other non-Chase machine.
Allpoint ATM Fees For Chase Customers By Account
The actual answer to “are allpoint atms free for chase?” depends on which Chase account you hold. Standard accounts, such as Chase Total Checking, Chase Secure Banking, or many student accounts, usually carry the flat non-Chase ATM charge mentioned earlier. Those customers should treat every Allpoint ATM as an out-of-network machine with a predictable fee per withdrawal.
Higher-tier products tell a different story. Chase Sapphire Banking and some Chase Private Client checking packages advertise no Chase fee at non-Chase ATMs and refunds of ATM surcharges charged by the ATM owner or network.4 For customers in that tier, an Allpoint ATM can feel free, because both the bank side and operator side of the fee stack may end up at zero.
That benefit starts with the account itself, not with Allpoint. If Chase removed that non-network ATM refund feature tomorrow, those same Allpoint machines would stop feeling free for those customers. The network stays the same; the bank’s account perks change the experience.
So when you hear another Chase customer say “Allpoint is free for me,” the real reason usually sits in their account tier. They likely hold a product that wipes out non-network ATM costs everywhere, not a quiet Chase–Allpoint partnership for regular checking accounts.
How To Check Fees Before You Use An Allpoint ATM
Because card networks, ATM owners, and banks all add their own rules, a quick check before you tap in your PIN can save you a surprising amount of money. Here are practical steps to keep Allpoint ATM surprises away when you use a Chase debit card.
Read The ATM Fee Screen Slowly
Every ATM in the U.S. must display any operator surcharge before it finishes your withdrawal. The screen usually shows a line such as “This ATM will charge you $3.00 for this transaction. Do you accept this fee?” If you tap “No,” the withdrawal cancels.
At an Allpoint ATM, that surcharge line is often $0 for cardholders from member banks. As a Chase customer, you might still see a dollar figure there, because the Allpoint branding does not control what the ATM owner chooses to charge non-member banks. If the fee looks high, back out and find a Chase ATM instead.
Check The Chase App Or Website
The Chase mobile app and branch locator site both flag in-network ATMs clearly. Any machine listed there belongs to the Chase network and will not trigger the non-Chase ATM fee on your account. Allpoint ATMs usually do not appear in this locator for standard consumer accounts.
If you are unsure about a specific location, pull up the ATM on the Chase locator before you walk over. If the machine does not show up as a Chase ATM, treat it as non-network and assume standard charges apply.
Review Your Account Terms For ATM Refunds
The fine print on your account opening documents spells out exactly how your checking or savings product handles ATM fees. Higher-tier accounts describe non-Chase ATM fee waivers and surcharge refunds in that paperwork, while standard accounts list flat amounts.
If you no longer have the original documents, the same terms usually appear either on the bank’s account page or inside a downloadable guide. You can also call the number on the back of your debit card and ask directly whether your account type refunds non-network ATM charges.
Allpoint’s own network FAQs also remind users that card issuers, not Allpoint, decide which cardholders enjoy surcharge-free access. That makes your account terms the final word on whether any Allpoint ATM feels free with a Chase card.
Ways To Cut ATM Costs As A Chase Customer
Even if Allpoint ATMs are not truly free for your Chase account, you still have plenty of ways to keep more cash in your pocket. Most of these steps help with any non-network ATM, so they matter well beyond this one question.
| Strategy | When It Helps Most | Tradeoff |
|---|---|---|
| Use Chase ATMs Only | You live or work near Chase branches or kiosks | May require planning routes around Chase locations |
| Take Larger, Less Frequent Withdrawals | You sometimes must use non-network ATMs | Carrying more cash at once can feel uncomfortable |
| Get Cash Back With Debit Purchases | Retailers offer cash back with no separate fee | Limited to store limits; tied to shopping trips |
| Upgrade To An Account With ATM Refunds | You often travel or live far from Chase ATMs | Higher balance or relationship requirements |
| Pair Chase With An Online Bank Card | Online bank refunds out-of-network fees worldwide | Another card to manage and track |
| Use Allpoint Only In A Pinch | No Chase ATM nearby and you need cash quickly | You accept standard non-Chase ATM fees |
| Monitor Monthly ATM Totals | You want to spot fee patterns and adjust habits | Requires checking statements or app activity |
Stick To Chase ATMs When Possible
The easiest way to keep ATM costs down is to stay inside the Chase network. Use the branch and ATM locator inside the Chase app to map out machines near your home, office, or regular commute. After a few weeks, you will know exactly where to stop for fee-free cash.
When you plan a trip, check your destination city in the locator as well. If Chase has a presence there, you can mark a few ATMs on your map ahead of time. That simple step cuts down on the urge to grab cash at the first random machine you see.
Change How You Get Cash
Many grocery stores, big-box retailers, and pharmacies let you add cash back to a debit card purchase without an extra fee. As a Chase customer, that move can replace a non-network ATM stop in day-to-day life. You pick up things you already planned to buy and walk out with cash in your wallet.
If you must lean on non-network ATMs from time to time, think about how often you withdraw. One $3 non-Chase ATM fee on a single $200 withdrawal is easier to live with than three separate $3 fees on three small withdrawals during the same month.
Look At Account Choices If You Travel Often
Frequent travelers and people who live far from Chase branches may benefit from account tiers that refund non-network ATM charges or from pairing Chase with another bank that does so. Some higher-end Chase products already bundle global ATM fee refunds with other perks, while several online banks market wide refunds as a main feature.
This decision sits beyond the Allpoint network itself. The main goal is to match your account perks to your real-world behavior. If you routinely pay non-network ATM fees, moving to an account that cancels those charges can save enough cash each year to justify the shift.
So Are Allpoint ATMs Free For Chase Customers?
For the vast majority of Chase checking and savings customers, the answer remains no. Allpoint ATMs stand outside the Chase network, so Chase applies its standard non-Chase ATM fee each time you withdraw, and the ATM owner may layer a surcharge on top of that. Only higher-tier accounts with non-network ATM refunds make those machines feel free on a regular basis.
When you ask “are allpoint atms free for chase?”, the real test is simple: check your account terms for the words “non-Chase ATM” and “ATM surcharge refund.” If those lines promise fee waivers and refunds, Allpoint and other non-network ATMs open up as flexible options. If they do not, treat Allpoint machines as a handy backup only when no Chase ATM is in reach.