Originally Posted by Happy

Why would you think Chase not charge you? You are not using a Chase card at Chase network.

You will be charged by Chase for using its ATM with a card NOT from Chase.

Your Chase bank account's ATM card will be free at Chase ATM. Every thing else would be subject to $3 fee a pop. You can test it out by using a Non Chase ATM card to try - the screen should display a message to warn you the transaction would cost you X amount of fee. Do you still want to continue? You can then abort the transaction and not being charge the fee, nor withdraw any money.

The above scenario should apply to 99% of any bank's ATMs.