
Accessing cash without a Chase card can be a challenge, but it's not impossible. You can use the Chase ATM locator to find a nearby ATM that accepts withdrawals without a card.
Chase offers a mobile banking app that allows you to deposit checks remotely, but for cash withdrawals, you'll need to visit an ATM or bank branch. Some ATMs may require a debit card or other form of identification to access your account.
How to Access Cash
To access cash at a Chase ATM without your card, you can use cardless ATM access, which allows you to load your eligible Chase debit card into an Apple Pay, Google Wallet, or Samsung Pay mobile wallet.
Just open your mobile wallet, tap your phone on the ATM, and enter your PIN to access your account. This feature is available at nearly all of Chase's 16,000 ATMs, so you can find an ATM and use your mobile wallet to get cash on the go.
Some eligible Chase cards for cardless ATM access include consumer debit cards and business debit cards, excluding certain types. Look for the Cardless symbol on the ATM to know if it's available.
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Convenient
Accessing cash from an ATM has never been easier, thanks to Chase's cardless transactions feature. With over 16,000 ATMs equipped with this technology, you can retrieve cash using your mobile wallet.
To start, look for the cardless symbol at the ATM. This is your cue that you can use your phone to access your account. Simply open your mobile wallet, tap your phone, and enter your PIN.
This feature is not just convenient, but it's also a cost-saver for the bank. According to A.T. Kearney, it costs about $0.20 to replace a lost, stolen, or corrupted card. With tens of millions of customers, that can add up quickly.
By using your smartphone, you can phase out cards that are easily lost or compromised. This is especially helpful for Chase's 30 million active mobile customers who can now access cash without needing a physical debit card.
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How to Access
To access cash, you'll need to use a Chase ATM that supports cardless transactions. These ATMs are marked with a cardless symbol, so look out for those.
If you have a Chase debit card loaded into a mobile wallet like Apple Pay, Google Wallet, or Samsung Pay, you can access your account without a physical card. Simply open your mobile wallet, tap your phone, and enter your PIN.
Most Chase ATMs have been upgraded to support cardless transactions, with over 16,000 locations now offering this feature. You can check if a specific ATM supports cardless transactions by looking for the cardless symbol.
To perform a cardless transaction, follow these steps:
- Open your mobile wallet.
- Tap your phone on the ATM screen.
- Enter your PIN to access your account.
This feature is convenient, especially if you've left your Chase debit card at home.
Eligibility and Options
To use cardless ATM access at Chase ATMs, you'll need an eligible Chase debit card loaded into an Apple Pay, Google Wallet, or Samsung Pay mobile wallet. You can choose from these three popular mobile wallets.
To determine which digital wallets are eligible, look to Apple Pay, Google Wallet, and Samsung Pay mobile wallets. These are the only options currently supported by Chase for cardless ATM access.
Here are the eligible digital wallets:
- Apple Pay
- Google Wallet
- Samsung Pay
As for Chase cards, consumer debit cards (excluding CPC Privileges card) and business debit cards (excluding Business Associate cards) are eligible for cardless ATM access.
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Eligible Digital Wallets

You can use Apple Pay, Google Wallet, or Samsung Pay mobile wallets to access cash at Chase ATMs with cardless ATM access.
These three mobile wallets are specifically mentioned as eligible for use at Chase ATMs, allowing you to tap your phone and access your account.
Here are the eligible digital wallets in a quick list:
- Apple Pay
- Google Wallet
- Samsung Pay
Cardless ATM access is available to all customers with a Chase debit or Liquid card that can be easily uploaded to their phone's mobile wallet through the Chase Mobile app.
Eligible Access Cards
If you're wondering which Chase cards qualify for cardless ATM access, the answer is that consumer debit cards, excluding the CPC Privileges card, are eligible.
Business debit cards are also eligible, but Business Associate cards are not.
Consumer debit cards and business debit cards are the two main types of cards that can be used for cardless ATM access.
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Transaction Options
You can complete the same types of transactions at the ATM using cardless ATM access as you would with your physical card. Your withdrawal limits are the same.

You can access your account at a cardless ATM by tapping your phone on the ATM after opening your mobile wallet. This process is just as secure as using your physical card.
Cardless ATM access is available to customers with a Chase debit or Liquid card that can be uploaded to their phone's mobile wallet through the Chase Mobile app.
Here are the mobile wallets eligible to use at Chase ATMs with cardless ATM access:
- Apple Pay
- Google Wallet
- Samsung Pay
You can also use cardless ATM access to pay friends and family through Chase QuickPay with Zelle.
Frequently Asked Questions
Can I get cash at ATM without card?
Yes, you can withdraw cash from a cardless ATM using your bank's app and a mobile device. To do so, simply sign in to your bank's app and follow the in-app instructions for the withdrawal process.
Can you use Apple Pay on a Chase ATM?
Yes, Apple Pay is eligible for use at Chase ATMs with cardless ATM access. You can use it to make transactions at participating Chase ATMs.
Sources
- https://www.chase.com/digital/atms/cardless-nfc
- https://www.businessinsider.com/chase-rolls-out-cardless-atm-transactions-nationwide-2018-8
- https://www.linkedin.com/pulse/chase-cardless-atm-convenient-way-access-your-cash-brice-tandap-t9yvf
- https://media.chase.com/news/chase-expands-cardless-access-atms
- https://www.dailymail.co.uk/news/article-6021905/Chase-ATMs-CARDLESS.html
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