Chase has about 4,700 branches and 16,000 ATMs across the United States

Yes, Chase Bank operates physical locations. Most are full-service branches where you can deposit checks, withdraw cash, open accounts, and speak with a banker about loans or credit products. Chase also maintains a separate network of ATMs — some inside branches, others in standalone locations like grocery stores and gas stations — that let you deposit checks and withdraw cash without visiting a branch.

The number of branches and ATMs varies by state and region. Chase has the heaviest presence in California, New York, Texas, Florida, and the Midwest, but also operates in most other states. If you live in a rural area or a state where Chase has limited presence, you may find fewer options nearby.

Key Takeaways

  • Chase branches let you handle deposits, withdrawals, account changes, and loan conversations in person, while ATMs are limited to cash and check deposits.
  • You can find the nearest branch or ATM using Chase's branch locator tool on their website or mobile app by entering your zip code.
  • Chase ATMs are free for Chase customers, but using an out-of-network ATM typically costs $2.50 per transaction plus any fee the other bank charges.
  • Many Chase branches have reduced hours or limited services, so calling ahead or checking online before you visit can save a trip.

How to find a Chase branch or ATM near you

The fastest way is to use Chase's branch locator on their website (chase.com) or their mobile app. Enter your zip code or address, and the tool shows nearby branches and ATMs with their hours, services offered, and distance from you. The app also lets you filter by service — for example, you can search for branches that handle mortgage applications or safe deposit boxes.

You can also call Chase customer service at 1-800-935-9935 to ask about branches or ATMs in your area. If you have a specific service in mind — like opening a business account or applying for a mortgage — the representative can tell you which branches offer it and whether you need an appointment.

What you can do at a Chase branch versus an ATM

A full-service branch lets you deposit checks and cash, withdraw money, open or close accounts, order new debit cards, dispute transactions, and speak with a banker about loans, credit cards, or investment products. Some branches also have safe deposit boxes and can handle wire transfers or cashier's checks.

A Chase ATM lets you withdraw cash, deposit checks and cash (if the ATM has a deposit slot), transfer money between accounts, and check your balance. You cannot open an account, speak with a person, or handle disputes at an ATM. Some Chase ATMs are inside branches; others are in retail locations, and you can use them 24/7.

ATM fees and what to expect

Using a Chase ATM is free if you have a Chase checking or savings account. If you use an ATM owned by another bank, Chase typically charges $2.50 per transaction, and the other bank may charge an additional fee on top of that. Those fees add up quickly if you regularly use out-of-network ATMs.

Some Chase accounts come with ATM fee reimbursement — for example, certain premium checking accounts reimburse out-of-network ATM fees at the end of each month. Check your account details or ask a banker whether your account includes this benefit.

Branch hours and services that vary by location

Chase branch hours differ by location. Most branches are open Monday through Friday during standard business hours, with limited Saturday hours and no Sunday service, though some locations in major cities may have different schedules. Many branches reduced their hours during and after the pandemic, so the hours listed online may not match what you remember.

Not every branch offers every service. Smaller branches may not have mortgage officers, business bankers, or safe deposit boxes. If you need a specific service, use the branch locator to confirm that location offers it, or call ahead before you visit. Some services, like applying for a mortgage or opening a business account, may require an appointment.

Alternatives if there is no Chase branch nearby

If you live far from a Chase branch, you can handle most banking online through chase.com or the mobile app — deposit checks by photographing them, transfer money, pay bills, and manage your accounts without visiting a location. Chase also partners with other banks' ATM networks in some regions, so you may be able to use a partner ATM without a fee.

You can also visit any Chase branch, not just the one closest to you. If you are traveling or temporarily in another city, you can use any Chase branch for deposits, withdrawals, or account questions. Some services still require an appointment or a specific branch type, so calling ahead is worth the time.

What to bring when you visit a Chase branch

For routine transactions like deposits or withdrawals, bring your debit card or account number and a photo ID. If you are opening a new account, bring a government-issued ID, proof of address (like a utility bill or lease), and your Social Security number. For loan applications or credit products, bring recent pay stubs, tax returns, and information about your assets and debts.

If you are disputing a transaction or dealing with fraud, bring any documentation you have — emails, receipts, statements, or correspondence with the merchant. The banker can review your account and help you file a dispute on the spot.

Frequently Asked Questions

Can I do everything at a Chase ATM that I can at a branch?

No. ATMs let you withdraw cash, deposit checks and cash, and check balances, but you cannot open accounts, apply for loans, order new cards, or speak with someone about your account. For those services, you need a branch.

Do I have to visit the branch where I opened my account?

No. You can visit any Chase branch for deposits, withdrawals, and most account services. Some services like mortgage applications or business accounts may require a specific branch or an appointment, so call ahead if you are unsure.

What happens if I use a non-Chase ATM?

Chase charges you $2.50 per transaction, and the bank that owns the ATM usually charges an additional fee. Some Chase accounts reimburse these fees monthly, so check your account details or ask a banker whether yours does.

Are Chase branches open on weekends?

Most Chase branches are closed on Sundays and have limited Saturday hours, typically 9 a.m. to 1 p.m. Some branches in major cities may have different schedules. Check the branch locator or call ahead to confirm hours for your location.

Can I deposit checks at a Chase ATM?

Yes, if the ATM has a deposit slot. You can deposit checks and cash at most Chase ATMs, and the funds typically appear in your account within one business day. The ATM will show you the amount it received before you complete the transaction.