Yes, you can withdraw cash from your Chime checking account at ATMs, but which ATMs work depends on your account type

Chime offers fee-free ATM withdrawals at a large network of machines, but not at every ATM. If you use an out-of-network ATM — one that is not part of Chime's partner network — you will pay a fee. The easiest way to avoid fees is to use an in-network ATM, which you can find using Chime's mobile app or website.

The specific ATMs available to you depend on which Chime account you have. Chime's basic checking account (called Chime Checking) gives you access to over 60,000 ATMs through the MoneyPass and Allpoint networks. If you have a Chime Premium account, you get access to even more ATMs through additional networks. Both accounts let you withdraw cash the same way: insert your Chime debit card, enter your PIN, and select the withdrawal amount.

You can also get cash without using an ATM by asking for cash back when you make a purchase at a store that accepts debit cards. This is free and counts as a withdrawal from your account.

Key Takeaways

  • Chime Checking account holders can withdraw cash fee-free at over 60,000 ATMs in the MoneyPass and Allpoint networks.
  • Using an ATM outside Chime's partner networks will result in a fee charged by that ATM operator, which Chime does not refund.
  • You can find fee-free ATMs near you by searching in the Chime mobile app or on Chime's website before you need cash.
  • Cash back at stores is always free and does not require you to find an ATM.

How to find a fee-free ATM near you

Chime's mobile app has a built-in ATM locator. Open the app, tap the menu icon, and look for "Find ATMs" or "ATM Locator." Enter your location or allow the app to use your phone's location, and it will show you the nearest in-network ATMs with their addresses and hours.

You can also visit Chime's website and use the ATM finder there without opening the app. This is useful if you are planning a trip and want to know where to find ATMs before you leave home. The locator shows you both MoneyPass and Allpoint locations so you can see all your options.

If you are traveling or in an unfamiliar area, checking the locator before you need cash saves you from accidentally using an out-of-network ATM and paying a fee. Many grocery stores, pharmacies, and convenience stores have in-network ATMs, so you may find one while you are already shopping.

What happens if you use an out-of-network ATM

When you withdraw cash from an ATM that is not part of Chime's MoneyPass or Allpoint networks, the ATM operator charges you a fee. This fee typically ranges from $2 to $3, though some ATMs charge more. Chime does not refund these fees — the cost comes directly out of your account balance.

The ATM will usually tell you the fee amount before you complete the withdrawal and give you the option to cancel. If you see a fee warning, you can press cancel and find a fee-free ATM instead. Some ATMs do not show the fee until after the transaction is complete, so checking the Chime app first is the safest approach.

Over time, out-of-network fees add up. If you use an out-of-network ATM once a week, you could pay $100 to $150 per year in fees. Using the ATM locator takes a few seconds and saves you that money.

Daily and monthly withdrawal limits

Chime does not publicly state a specific daily ATM withdrawal limit, but most banks set limits between $500 and $1,000 per day. Your limit may be lower if your account is new or if you have not used ATMs frequently. If you try to withdraw more than your limit allows, the ATM will decline the transaction.

If you need to withdraw a large amount of cash, you have a few options. You can make multiple withdrawals on different days to stay under your daily limit. You can also contact Chime's customer service through the app to ask if your limit can be temporarily increased for a specific withdrawal. Some customers report that limits increase automatically after they have used their account for a few months.

There is no monthly limit on total withdrawals — you can use ATMs as many times as you want in a month as long as you stay under the daily limit for each transaction.

Using your Chime card at ATMs outside the United States

If you are traveling internationally, you can use your Chime debit card at ATMs in most countries, but fees explore. Chime charges a $2.50 fee for each international ATM withdrawal, and the ATM operator or your card network may charge additional fees. The exchange rate used for the conversion may also be less favorable than the mid-market rate.

Before traveling, let Chime know by updating your travel plans in the app. This helps prevent your card from being blocked as a fraud precaution. You can also withdraw cash at your destination's banks or exchange services, though those often charge higher fees than ATMs.

International ATM withdrawals can be expensive, so plan ahead. If you are traveling for an extended period, consider withdrawing a larger amount once rather than multiple smaller amounts.

Troubleshooting when an ATM declines your card

If an ATM declines your Chime card, the most common reasons are insufficient funds in your account, a temporary system issue, or a fraud block. Check your account balance in the Chime app first to make sure you have enough money to cover the withdrawal.

If your balance is sufficient, try a different ATM. Sometimes a single machine has a technical problem. If multiple ATMs decline your card, contact Chime's customer service through the app. They can check whether your card has been temporarily blocked for security reasons and can unblock it if needed.

Chime's customer service is available through the app 24 hours a day. You can also call the number on the back of your card. Have your card number and a recent transaction ready when you contact them.

Cash back at stores as an alternative to ATMs

Getting cash back when you buy something at a store is free and does not count against any ATM withdrawal limit. When you check out, tell the cashier you want cash back and specify the amount. The amount is added to your total purchase, and you receive the cash along with your receipt.

Cash back is available at most grocery stores, pharmacies, convenience stores, and retailers that accept debit cards. There is usually no minimum purchase required, though some stores may have their own policies. This method is often faster than finding an ATM and works even if you are in an area with few ATMs nearby.

Many people use cash back as their primary way to get cash because it is convenient and free. If you are already shopping, you can get the cash you need without making a separate trip.

Frequently Asked Questions

Can I withdraw cash from a Chime ATM without my PIN?

No, you need your PIN to withdraw cash at any ATM. If you have forgotten your PIN, you can reset it in the Chime app or by calling customer service. Resetting your PIN takes a few minutes and you can use your new PIN when ready.

Do I get charged a fee if I check my balance at an ATM?

No, checking your balance at any ATM is free. Only withdrawals and transfers incur fees at out-of-network ATMs. You can also check your balance anytime in the Chime app without any fee.

What if my Chime card is lost or stolen and someone uses it at an ATM?

Contact Chime when ready through the app or by calling the number on the back of your card. Chime can freeze your card right away to stop further withdrawals. Chime's fraud protection covers unauthorized ATM withdrawals, so you should not be responsible for the money taken.

Can I set a daily ATM withdrawal limit myself?

Chime does not offer a feature to set your own daily limit through the app. Your limit is set by Chime based on your account history and security profile. If you want to request a change to your limit, contact customer service through the app.

Are there ATMs inside Chime's offices where I can withdraw cash?

Chime is an online bank and does not have physical branch offices. All withdrawals must be made at ATMs in the MoneyPass and Allpoint networks, at stores using cash back, or by transferring money to another bank account.