Finding a Chase ATM is getting harder.

JPMorgan Chase & Co. reduced automated teller machines by 12% last quarter as the largest U.S. bank exited from some retail locations.

The lender scaled back its relationship with ATM network operator Cardtronics Inc., which resulted in exits from certain Walgreens and CVS pharmacies and Hess and Speedway convenience stores, said Patricia Wexler, a spokeswoman for the New York-based bank.

"We decided to end select relationships with Cardtronics to simplify our business," Wexler said today. "In addition, our customers are using those ATMs less frequently."

Chief Executive Officer Jamie Dimon is cutting costs and shrinking the lender's physical footprint as more consumers use mobile phones and other digital devices to bank. While the number of branches fell to 5,602 in the fourth quarter from 5,613 in the prior three months, active mobile customers rose about 4%, the bank said today in a document outlining results.

ATMs fell by 2,457 to 18,056 as JPMorgan exited from locations where there were other machines available nearby. The bank notified customers of the moves, Wexler said. Cardtronics had said in an Oct. 29 conference call that the bank decided not to renew branding agreements.

"The ATMs, which are owned and operated by Cardtronics, remain in place and available for people to use," the network operator said in a statement today. "Cardtronics has been working to match new financial-institution branding partners to our retail ATMs formerly branded by Chase."

Bank of America Corp., the second-largest U.S. bank, in 2012 yanked most of its ATMs deployed at U.S. gas stations and malls. The Charlotte, North Carolina-based company said those devices only dispensed cash and weren't always open 24 hours a day.

Costs can be higher at non-bank locations because of rental expenses and fees for armored couriers to refill machines with cash. Cardholders are more likely to pay fees when they use ATMs that aren't affiliated with their banks.

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