Chase ATM Error Code 10068: What to Do?

Have you ever walked up to a Chase ATM, inserted your debit card, entered your PIN, and requested a withdrawal only to be met with a cryptic error message? It can be frustrating when you depend on easy access to your hard-earned cash.

One of the more common error codes Chase ATM users encounter is the dreaded 10068. Don’t panic if you see this error during an ATM transaction. With a little diligence, you can get to the bottom of the issue and regain access to your account.

We’ll explore some of the main reasons for the Chase ATM 10068 error, how you can troubleshoot and resolve it, and steps to take if it persists. Read on to demystify this error code and learn what to do when your Chase ATM transaction gets declined.

What Does Chase Error Code 10068 Mean?

Chase ATM error code 10068 means your ATM transaction request was declined. Essentially, the ATM cannot process your transaction for various possible reasons.

Some key facts about Chase Bank ATM error code 10068:

It is a general decline error code. Many issues can trigger it.
Both Chase debit card holders and non-Chase debit card holders may encounter it.
The error may occur on Chase-owned ATMs or other bank ATMs.
The 10068 error code indicates the declined transaction originated from the ATM or bank, not Visa or Mastercard.
Possible reasons range from low account balances to system outages and anything in between.
The error typically appears on the ATM screen. You may also receive a printed receipt stating “Transaction Cancelled.”
10068 is different from error codes starting with 900+ which indicate issues with your debit card.

While frustrating, keep in mind a 10068 decline does not necessarily indicate a larger problem with your Chase account. In many cases, it is temporary and resolves on its own.

Common Reasons for Chase Error 10068

Many factors can cause a 10068 transaction decline on a Chase ATM. The most common culprits include:

1. Insufficient Available Balance

The most obvious reason your Chase ATM withdrawal gets declined with error 10068 is low funds in your checking account. The available balance needs to cover the amount of cash you are trying to withdraw.

Your account may have enough money overall but it is already on hold for pending charges. As a result, the available balance appears lower than your actual balance at that moment.

2. Daily ATM Withdrawal Limit Reached

Chase places default daily ATM withdrawal limits on debit card accounts to reduce fraud and overdrafts. The normal limit is $1000 for personal accounts and $2500 for premium accounts.

If you withdraw cash multiple times in one day, you may eventually reach the cutoff and receive the 10068 decline notice. This prevents you from exceeding your daily ATM withdrawal limit.

3. Account Security Hold

For your protection, Chase will temporarily freeze account access if they detect suspicious ATM activity. The freeze aims to block unauthorized ATM withdrawals while giving you time to contact Chase about the activity.

Being unable to withdraw cash and getting a 10068 error may indicate an account security hold is in effect.

4. Card Activation Issue

If you have a brand new Chase debit card and attempt to use it at an ATM too soon, you may get the 10068 decline. New cards cannot be used right away until activated and registered in the Chase system.

Usually you need to make a purchase with a PIN first to finish activating a replacement or new Chase debit card before the ATM will accept it.

5. Damaged Magnetic Stripe

The magnetic stripe on the back of your Chase debit card lets the ATM read your card data. If the stripe becomes scratched, demagnetized, or otherwise unreadable, the ATM cannot pull your account information. You will be unable to complete your transaction.

6. Invalid PIN Entry

Entering an incorrect personal identification number (PIN) after inserting your Chase card into the ATM will also lead to a cancelled transaction. The ATM needs your valid 4-digit PIN to verify your identity and allow access to your account.

Triple check you are using the right PIN if you receive the 10068 error. Avoid guessing random PINs which can lock your account as an anti-fraud measure.

7. Bank System Outage

Widespread technical issues or IT outages at Chase can sometimes interrupt ATM service and cause declined transactions. Network outages, power failures, software problems or other glitches could prevent the ATM from reaching the verification systems it needs to process your request.

In these situations, you may see error 10068 even when your account has no underlying issues. System downtime is not common but can happen. The problem should resolve once Chase technical teams correct the outage.

How to Fix Chase ATM Error Code 10068

When you get the Chase ATM 10068 error, start troubleshooting by reviewing some account basics:

Check Your Balance

First, log into online banking or the Chase Mobile app to verify your real-time account balance. If it is lower than your attempted ATM withdrawal, low funds caused the 10068 decline.

You may need to transfer money, deposit cash or wait for pending transactions to clear to free up your available balance. Scheduling ATM visits right after paydays or direct deposits can help avoid low balance issues.

Review Pending Transactions

Your current balance may look ample on paper but be lower in reality due to holds on pending debit card purchases or payments. Log in to your account and tally up charges still processing to estimate your true usable balance.

Subtract pending amounts from your balance to see if it dips below what you tried to withdraw. Pending transactions dropping your available funds can lead to a 10068 error even if your balance looks otherwise OK.

Confirm Your Daily ATM Limit

Check online or on the Chase Mobile app to see your current 24-hour ATM withdrawal limit. Standard personal accounts have a $1000 max per day. Premium accounts normally have a $2500 daily limit.

If you hit the maximum earlier in the day, any other ATM withdrawal attempts that same day can trigger the 10068 decline notice. You will need to wait until after midnight for the limit to reset when the next day starts.

Validate Your PIN

Try withdrawing cash again at the ATM using your confirmed correct 4-digit personal identification number or PIN. Entering an outdated or incorrect PIN by mistake is a common cause of ATM declines.

Never write down your PIN or give it to others. If needed, log in online and use the self-service PIN change feature to reset it to something memorable.

Activate a Replacement Debit Card

Brand new Chase debit cards cannot be used at ATMs right away. If you recently received a replacement card, you may need to activate it before the ATM will accept it.

Call the number on the back of your new debit card and follow the prompts to complete the activation process. Then, make a small PIN-authorized purchase to finish registering the card in the Chase verification system. After that, you should be able to use the ATM normally.

Check for Damage

Inspect your Chase debit card for damage, especially on the black magnetic stripe on the back. Damage to the stripe can prevent the ATM from reading your card and cause a 10068 transaction decline.

If the stripe looks scratched or worn, contact Chase to request a free replacement card with an intact stripe that ATMs can read without issue.

Contact Chase

If you cannot resolve the 10068 error by troubleshooting your account basics, reach out to Chase directly for assistance. Call or visit your nearest branch location. Chase can review your account details and transactions to reveal the reason for the ATM decline.

Ask if they see any holds, blocks or system issues on their end interfering with your card. Chase can also help with replacement cards, balance transfers or fraud investigations as needed to restore your ATM access.

What to Do If Chase Bank ATM Error 10068 Persists

In most cases, Chase ATM error code 10068 is temporary and resolves on its own when you correct the underlying trigger. But if you continue encountering 10068 declines regularly, take further action:

Request a Fraud Review

Ongoing ATM transaction declines could potentially indicate fraudulent activity on your account you are not yet aware of. Ask Chase to conduct a complete fraud investigation and review recent account activity.

If unauthorized transactions contributed to your low balance or Chase placed a security hold, determining that can allow the bank to reverse the fraudulent charges and lift account restrictions.

Visit a Branch

Stop into a Chase branch location for an in-person review if you regularly get the 10068 error at different ATMs. Discuss the chronic declines with a banker who can dive into your account details and recent transactions more deeply to determine why your cards keep getting rejected.

In-branch visits give you face time with knowledgeable Chase staff who may spot issues online account access does not provide. If needed they can also instantly print you a replacement card on site to resolve any debit card damage or reading issues.

Change Your PIN

Some customers find changing their Chase debit card PIN resolves chronic 10068 declines, even when they entered the previous PIN correctly. For sensitive accounts, periodically changing your PIN can add an extra layer of security and may allow more seamless ATM transactions.

Log in at chase.com and use the self-service PIN change feature to create a fresh new PIN known only to you. Avoid obvious number combinations for maximum security.

Bank During Business Hours

Since system outages are a possible source of 10068 declines, try to do your ATM banking during regular Chase branch operating hours as much as possible. Issues like power outages or connectivity failures are more likely overnight or on weekends when locations are closed.

Restricting ATM visits to normal business hours improves your odds of accessing systems that are fully up and running. You can still bank after hours but may encounter more hiccups during downtimes.

Escalate Your Issue

If unresolved 10068 declines become a chronic problem at Chase ATMs, escalate the issue by submitting a complaint to the Chase executive office. Reach them by mail or through the contact form on Chase’s website.

Explaining your frequent ATM issues and inability to access your money may prompt specialized assistance to get your problem corrected once and for all. Be sure to reference past communication and troubleshooting steps you already took.

While Chase ATM error code 10068 can be annoying, staying calm and using good troubleshooting techniques will help get to the bottom of what is causing your transaction declines. With some diligence and care, you can regain access to your account at the ATM.

FAQ

What causes Chase ATM error code 10068?

The most common triggers of Chase ATM error 10068 are low account balances, exceeding daily ATM withdrawal limits, account security holds, new card activation issues, damaged card stripes, incorrect PINs, and bank system outages or disruptions.

What should I do if I get Chase ATM code 10068?

If you receive Chase ATM decline error 10068, start troubleshooting by checking your real-time balance, pending transactions, daily ATM limit, PIN, card condition, and whether you need to activate a replacement card. Contact Chase directly if those steps do not reveal the cause.

How can I fix Chase error 10068?

To fix error 10068, address the underlying issue causing the decline – transfer funds to cover a low balance, wait until after midnight if you hit your daily ATM limit, validate your correct PIN, get a replacement for a damaged card, or allow time for technical issues to resolve.

Can I still get my money if I get Chase ATM error code 10068?

Yes, you can still access your money after a 10068 decline once any holds are lifted and you resolve what triggered it, such as insufficient funds, fraudulent activity, or system outages. Chase can assist you with regaining account access.

What should I do if my Chase ATM transaction is declined for another reason?

If your Chase ATM withdrawal gets rejected with an error code other than 10068, look it up in your Chase account agreement to determine the specific reason. Common other decline codes point to issues with your card, account status, overdrafts, or verification that Chase can help sort out.