JPMorgan Chase is the largest bank in the United States, but its ATM network isn’t the biggest in the country — not by a long shot.

If you’re a Chase customer using one of the bank’s ATMs, you can make fee-free deposits, withdrawals and transfers between linked accounts. Customers using the bank’s most basic checking account, Chase Total Checking, have to pay $2.50 per transaction at out-of-network ATMs ($5 outside U.S.), plus any fees charged by the ATM owner.

Chase Premier Platinum users get as many free transactions at non-Chase ATMs as they’d like, while Chase Premier Plus users get four per month.

» MORE: NerdWallet’s best banks for ATM lovers

If you live in a Chase hub, you’ll likely find an ATM virtually everywhere — the bank is particularly prominent in the Northeast, on the West Coast, and in parts of Texas and Florida. But if you don’t live in its service area and regularly use out-of-network ATMs, your fees could add up quickly.

Those who fall into the latter category and frequently use ATMs, may find a better banking fit with a national bank or credit union that has ties to a larger network. 

Kelsey Sheehy is a staff writer at NerdWallet, a personal finance website. Email: ksheehy@nerdwallet.com. Twitter: @KelseyLSheehy.

Updated Oct. 3, 2016.

The article Chase ATM Network Review originally appeared on NerdWallet.