If you are a Chime user, you may be wondering what the best ways are to withdraw money from your Chime account. Methods of withdrawing from Chime include:
- Use your Chime Card at an ATM
- Make an Over-the-Counter Withdrawal by visiting any bank and handing them your card
- Use your Chime Card to make a purchase at a retailer and request cashback
- Add your Chime card to a digital wallet, like Apply Pay, and then use your wallet to make purchases and request cashback
- Use the Chime app to transfer money from Chime to a different bank account or person
Chime currently does not support using ATMs without the physical card being present. The first three methods of making a Chime withdrawal require having the physical card in hand (ATM, purchase, Over-the-Counter).
If you have loaded your Chime card onto a digital wallet, like Apple Pay, then you can make a purchase from a retailer and ask for cashback.
Another option for withdrawing money from Chime is to transfer your money out of Chime and into a traditional bank account. Then you can make a withdrawal from that account.
If you are with family or friends who have a Chime card, you can send money into their Chime account and they can use any of the above methods to withdraw for you.
Does the Chime App Support Cardless ATMs?
No, Chime has not added functionality to their app to support cardless ATM withdraws.
Can You Withdraw Money from Chime at Walmart?
Yes, Walmart allows customers to make purchases with their debit cards and request cashback. The Walmart cashback limit is $100.
The option for cashback should appear on the screen of the credit card swiper. If you are using self-checkout, make sure you select a register that supports cash; many of the registers are card-only machines. You may have to wait in line for a human cashier.
Can You Withdraw Money from a Chime Credit Card?
Chime offers a secured credit card product called the Chime Credit Builder. Yes, you can use the credit card at an ATM to withdraw cash and to make purchases. So, if you forgot your Chime card at home, you can transfer money to your Credit Builder account and use that credit card.
Can You Withdraw Money from a Chime Savings Account?
No, you cannot directly access the funds in your Chime Savings Account via a card or ATM. You must first move the money out of savings and into your Spend debit card account.
Can You Withdraw Money from Chime Spot Me?
Chime Spot Me is simply a free over limit protection service that allows a customer to run their account into the negative. For instance, let’s say you have an account balance of $32 and you try to take $40 cash out of the ATM. Chime will approve the withdraw and your new balance will be -$8.
Spot Me maximums start at a $20 limit and can increase to $200 over time.
So yes, you can withdraw all of the money out of your account plus your designated Spot Me limit.
Where Can You Withdraw Money from Chime for Free?
You can withdraw cash for free at over 60,000 ATMs. You can also get cashback when you make purchases at 38,000 retailer locations. Use the ATM Finder inside the Chime App to locate free ATM and cashback locations near you.
Can You Withdraw Money from Chime at a Bank?
Yes, Chime supports Over-the-Counter (OTC) Withdrawals where you can hand your Chime card to a bank teller and they will withdraw cash for you. Chime charges a $2.50 fee for each OTC Withdraw and there is a limit of $500 per day.
Also, remember that most banks have ATMs that support cash withdraws also.
How Much Money Can You Withdraw from Chime Each Day?
The maximum money you can withdraw from an ATM or an Over-the-Counter (OTC) Withdrawal is $500 per day.
If you are trying to get cashback while making a purchase, then each retailer sets their own maximum limits, typically in the range of $40-$100 per purchase.
Finally, all of the money that flows out of your account (purchases, cash advances, ATM withdrawals, and all associated fees) must total no more than $2,500 per day.
Related: Does Chime Work with Venmo?
- ATM Network
- Find an ATM
- Chime ATM Withdrawal and Deposit Limits
- Withdrawal Limits
- Deposits
- Alternatives
©Chime
Chime is a financial technology company that provides many benefits to its members, such as a Chime Visa® debit card, automated savings and even credit-building tools. However, it lacks one area that makes many people uncomfortable: it has no physical location. This means having to withdraw money from other sources.
Though the discomfort and uncertainty are understandable, a lack of physical stores does not mean monstrous ATM fees and inaccessible cash. Chime has built an extensive network of ATMs and other resources to provide fee-free services.
What Is Chime’s ATM Network?
Chime offers a large ATM customer-centric system with no in-network ATM fees. Chime’s ATM network works with both MoneyPass and VisaPlus Alliance, the combination of which provides more than 60,000 fee-free ATMs for its members.
Visa
Visa® is a commonly-known and widely-accepted financial product. Chime’s debit cards are licensed from Visa®, so they are accepted at every ATM that accepts Visa® debit cards.
MoneyPass
MoneyPass is less widely known, but its network has more than 1,900 organizations and 125 million users. As such, it is easy to find either a MoneyPass or VisaAlliance ATM for fee-free use.
How To Find a Chime ATM
Chime provides an ATM and Cash Back Finder on its website and mobile app. With the most recent version of the app, you will find the ATM Map located on the bottom right corner of its screen. The map will show the ATMs near your current location as well as major merchants that offer cash back, such as Target, Walmart, CVS and more.
Out-of-Network ATM Fees
If you choose to use an ATM outside of Chime’s large network, expect to pay a fee of $2.50. Note that this is strictly the fee from Chime, not from the ATM provider. An additional fee is typically added by the ATM operator that is separate from Chime’s fee.
Chime ATM Withdrawal and Deposit Limits
To keep the organization flowing correctly, provide the best possible service to its members and follow rules and regulations, Chime sets withdrawal and deposit limits.
What Are The Chime Withdrawal Limits?
The Chime withdrawal limits vary depending on the method of withdrawal, but there is no limit to the number of times you can withdraw funds using your Chime Visa debit card each day. However, just as most other financial institutions do, Chime sets a limit on the specific amount of money you can withdraw each day. They are as follows:
| ATM withdrawal limit | $500 per day |
| Cash back at point of sale | Varies by merchant, up to $500 per day |
| Over-the-counter withdrawal | $500 per day |
| Card purchases that require signature and pin | $2,500 per day |
ATM Withdrawals
Keep in mind that individual ATMs may set their own limits that are lower than Chime’s. You might have to make separate withdrawals to get the amount you need.
Cash Back at Point of Sale
This includes the cash back you get after shopping at stores, such as Walmart, Target, Winn Dixie and other participating locations. Like ATMs, each retailer has a maximum cashback amount. Some allow up to $100, but others may allow only $40.
Over-the-Counter Withdrawal
These are when you present your Chime Visa® Debit Card to a bank or credit union teller and request a withdrawal. There is typically a Chime fee of $2.50 per transaction. This fee is in addition to fees set forth by the bank or credit union.
Card Purchases That Require a Signature and PIN
This means that your total withdrawals from all sources, including ATM withdrawals, over-the-counter withdrawals, cash backs, purchases and fees, must not exceed $2,500 per day.
Deposits
Chime does not accept any cash deposits at its ATMs, but there are multiple ways to add money to your account.
Direct Deposit
Chime has made setting up direct deposit easy. Here’s how:
- Clicking “Move Money” in the mobile app.
- You’ll be navigated to a page with the routing number and account number needed by your employer.
- You can then choose to have a pre-filled form forwarded to your employer via email or to print it.
At this time, there are no limits to the amount being direct deposited.
Fund Transfer
You can quickly transfer funds to your checking account through the Chime app by selecting “Move Money,” then “Transfers” followed by “Transfer Funds.”
You can make up to six transfers per month from your optional savings account.
You can also transfer money from external accounts if that financial institution is supported. These transfers can be up to $200 per day and $1,000 per month but can take up to 7 days to process.
Mobile Check Deposit
You can easily deposit a traditional check to your account by utilizing Chime’s mobile check deposit1 feature in the app. With a few pictures and a little information, your funds can be added to your account very quickly.
Cash Deposit
You can also choose to deposit cash at more than 90,000 retail locations. Retailers use third-party services, such as Green Dot, to load funds into your Chime Spending Account. Some retailers include:
- Dollar General
- Walgreens
- CVS
- Rite Aid
- Circle K
- Walmart
- 7-Eleven
- Kwik Trip
- Family Dollar
Please Note: The retailer that receives your cash will be responsible for transferring the funds for deposit into your Chime Checking Account. Cash deposit fees may apply if using a retailer other than Walgreens.
Find retailers near you by logging into the Chime app, clicking “Move Money,” “Deposit Cash” and then “See locations near me.”
This option allows you to make up to three deposits each day, but the three cannot total more than $1,000. They also cannot exceed $10,000 each month. Be aware that third-party money transfer services charge fees and often set their own limits.
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Alternatives To Using an ATM With Chime
If determining which ATMs are fee-free and getting to them is too much of a hassle, there are simpler ways to get cash from your account. The easiest is through cashback retailers. Taking out $20 or $100 each time you shop is free and relatively convenient since you have to shop anyway.
Keep in Mind
You cannot receive more than $500 in cash back per day. No retailer is likely to allow you to get that much back with a single sale. You can always make multiple purchases at the retailer by breaking up the items you are buying. However, if you need more than $500 in a day, this practice will only go so far.
The next step would be to get an over-the-counter withdrawal. This allows for another $500 per day. While it will require a fee, that fee will likely be smaller than using an out-of-network ATM.
The Bottom Line
Chime can be an excellent resource for anyone who wishes for a simple, online financial app experience. Chime has worked hard to develop a network large enough to accommodate its members’ needs and provide plenty of options.
Additionally, it constantly updates and advances its technology and delivery, keeping its members as its central focus.
Jared Nigro contributed to the reporting for this article.
Information is accurate as of Aug. 10, 2022.
Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. Please see back of your Card for its issuing bank.
1Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.
Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
Editorial Note: This content is not provided by Chime. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by Chime.
Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.