ByHow to Get Chase Bank ATM Fees Refunded Quickly
If you own a bank account, you can use an ATM operated by the bank or an out-of-network ATM for your transactions. Ideally, banks don't charge their customers for using ATMs they operate. However, you may the same way you incur Chase bank overdraft fees if you use an out-of-network ATM. According to statistics, an ATM user parts with an average of $4.55 every time they use an out-of-network ATM. Even though the amount may sound negligible, the charges can add up, especially if you are a frequent ATM user.
If you regularly withdraw your money through an ATM, you may be wondering if it is possible to have ATM fees reimbursed. Most banks reimburse ATM fees by crediting their customers' accounts, usually at the end of a statement cycle. Even though the process is automated, there are limitations that may be placed by some banks. This can make the reimbursement process tedious and frustrating.
Luckily, DoNotPay helps you make the process faster, more convenient, and less frustrating. You can get your Chase Bank ATM fees refunded the same way you would with Bank of America ATM fees through an automated process. Besides helping you with ATM fees refunds, DoNotPay also offers a convenient way to get your Bank of America overdraft fees refund. You can also get to know more about TD Bank overdraft fees or even Fifth Third bank overdraft fees with the help of DoNotPay.
What Is an ATM Fee?
A majority of banks charge ATM fees for using their automated teller machines. Just like Citizen Bank overdraft fees, the fees are charged per transaction and may vary from bank to bank. The charges may also vary depending on the type of transaction.
Banks may operate a network of ATMs that offer services for free. In addition, most banks collaborate with other stakeholders outside their network, who offer their ATM services at a fee. Some of the ATM fees include
- Surcharge (ATM Operator Fee)-fees charged by an ATM owner for any services rendered to bank customers.
- Out-of-network fee- fee charged for using an ATM operated by a third party, such as an ATM operated by another bank. Your bank may also charge you for using an ATM operated by a third party. However, most banks will refund or waive the ATM fees charged by another bank.
- International transaction fees- these are charges applied to customers whenever they transact outside their country. For instance, Chase bank charges $5 for international ATM withdrawals and $2.50 for ATM inquiries and transfers.
While most banks offer ATM services for free to their customers, out-of-network fees range from $2-$5. Here are some ATM fees charged by some major banks.
| Bank | Out-of-network ATM withdrawals | Out-of-network international ATM withdrawals |
| Chase Bank | $2.50 | $5 |
| Bank of America | $2.50 | $5 |
| Wells Fargo | $2.50 | $5 |
| TD Bank | $3 | $3 |
| Fifth Third Bank | $2.75 | $5 |
| Citi Bank | $2.75 | N/A |
| Capital One | $2 | N/A |
| BMO Harris | $2.50 | $3 |
Why Do Banks Charge ATM Fees?
There are various sources that banks can use to boost their income and generate considerable profit. Some of these avenues include various fees applied, such as overdraft fees and fees charged for other bank services, including ATM withdrawals and inquiries.
Therefore, banks may charge ATM fees to boost their revenue. Banks may also charge ATM fees to help them maintain their ATMs and also support their overall infrastructure. Ideally, money collected through ATM fees goes into the day-to-day running of the bank's operations.
Chase Bank ATM Fees Explained
Chase Bank operates one of the largest ATM networks in the United States, with 16,000 ATMs across various States. The Bank charges moderate ATM fees for both out-of-network withdrawals and international ATM withdrawals, making it a preferred choice to many.
ATMs owned and operated by Chase Bank offer services free of charge to all their customers. You can make inquiries, withdraw or even transfer cash using a Chase Bank ATM for free. In addition, you can make deposits either as cash or checks at no additional charges. Chase Bank charges $2.50 per transaction for out-of-network ATM usage, while ATM charges for international ATM withdrawals stand at $5. If you make international inquiries through Chase Bank ATMs, you will be charged $2.50 per transaction.
Additionally, Chase Bank ATMs allow you to schedule cash withdrawals without necessarily using your debit card or even pay for goods and services using your credit card. The bank also waives its ATM fees for some of its customers. For instance, Chase Premier Plus Checking customers have four waived fees every month at out-of-network ATMs. Similarly, Chase Sapphire customers get a refund whenever they use ATMs operated by a third party.
Will Chase Bank Refund ATM Fees?
Generally, most banks will reimburse ATM fees to their customers. Reimbursing ATM fees happens during a statement cycle, depending on your bank. As a Chase Bank customer, you incur some charges if you use an ATM that's not in the bank's network.
Luckily, Chase bank refunds ATM fees but with some limitations. If you are a Chase Sapphire user, you can get a refund for charges incurred in out–of–network ATMs. The process is automated, and once the refund is due, the bank will credit your account with the total amount spent during a statement cycle. The process may take between 1and 7 days and depends on your card issuer.
How to Get Refunds on Chase Bank ATM Fee by Yourself
Most banks will keep track of any fees incurred by their customers over a statement cycle. Even though ATM fees refund is an automated process, you may sometimes be required to present some information to the bank. If you incur ATM fees and would want your bank to refund the money, here is what you need to do:
- Contact the bank's customer service center
- Ensure that you have all the relevant details regarding the fees incurred
- Introduce yourself and request the bank for a refund
- Argue your case and see if the bank may be willing to make the refund
- You may also want to present your case in person and talk to the supervisor
- You can also write a letter to the bank or even email your bank and make your request
Tips for Avoiding Chase Bank ATM Fees
You can always avoid by following these simple techniques:
- Use the bank's in-network ATMs. This way, you will never incur any charges for withdrawals, deposits, or even inquiries.
- If traveling to an area that doesn't have Chase Bank's ATM, ensure that you have enough cash to avoid transactions at out-of-network ATMs.
- You can also choose the cashback option when making purchases at grocery stores
- You can also withdraw large amounts of cash to minimize the number of withdrawals
If you are traveling to an area that doesn't have your bank's ATM, it may not be possible to avoid ATM fees. You may also run out of cash or experience an emergency that requires you to withdraw cash at the nearest ATM, which may not necessarily be from your bank. This can make the process tedious and lengthy and also have you spend more than you had planned.
Next Steps for Getting Chase Bank ATM Fees Refund if You Can’t Do It Yourself
While presenting your case for an ATM fees refund is possible, the process can be time-consuming and frustrating. As such, you may require the help of a third party to work on your behalf. That's when DoNotPay comes into play. Through an automated process, you can get your case solved with just a click of a button.
Get Your Chase Bank ATM Fees Refund With the Help of DoNotPay
Are you stuck with bank fees or refunds but don't know how to solve the issue? DoNotPay offers you a perfect solution to all your bank fees problems. While the process can be tedious and frustrating, DoNotPay offers you an automated process that makes the refund process super easy.
How to Get Chase Bank ATM Fees Refunded With DoNotPay
If you want to Get Chase Bank ATM Fees refunded but don't know where to start, DoNotPay has you covered in 4 easy steps:
- Open the DoNotPay Fight Bank Fees product.
- Enter the name of your bank.
- Verify the last 4 digits of your bank account.
- Choose which fees you want to waive, including overdraft, ATM, and transaction fees.
DoNotPay Works Across All Companies/Entities/Groups With the Click of a Button
In addition to helping you get refunds, DoNotPay can also help you resolve many other issues with different entities.
For instance,
- DoNotPay can help you know whether banks charge overdraft fees on weekends.
- DoNotPay can also furnish you with a list of banks without overdraft fees.
- DoNotPay can help with PayPal transfer to bank fees the same way it can with Wells Fargo checking account overdraft fees.
If you need to request an ATM fees refund but don't know where to start, DoNotPay can help. With an automated process, you get a fast, easy, and successful way to solve your problem. Sign up today to get the help you need.