You can withdraw cash from ATMs owned by Chime's partner networks, not from teller windows at other banks

Chime does not have its own branches, so you cannot walk into a bank and withdraw money from a teller. Instead, Chime offers surcharge-free ATM access through two networks: Allpoint and MoneyLion. These networks include tens of thousands of ATMs at grocery stores, pharmacies, convenience stores, and other retail locations. You use your Chime debit card at any ATM in either network and pay no fee.

The networks overlap significantly but are not identical. An ATM that belongs to Allpoint may not belong to MoneyLion, and vice versa. Chime's mobile app includes a locator tool that shows you which ATMs near you are in the Chime network—you search by address or use your phone's location to find the closest one.

If you withdraw from an ATM that is not in either network, Chime charges you a fee. The amount varies by ATM operator, but typically ranges from $2 to $3 per transaction. You pay this fee in addition to any fee the ATM operator charges.

Key Takeaways

  • Chime's surcharge-free ATM network includes Allpoint and MoneyLion, with tens of thousands of locations nationwide at retailers and convenience stores.
  • You withdraw cash using your Chime debit card at any ATM in either network without paying a fee to Chime.
  • The Chime app's ATM locator shows you which machines near you are in the network so you can avoid out-of-network fees.
  • Withdrawals at ATMs outside the Chime network cost $2 to $3 per transaction, charged by the ATM operator.
  • You cannot withdraw cash from a bank teller at any institution—Chime is a digital bank with no physical branches.

How to find a surcharge-free ATM near you

Open the Chime app and tap the ATM locator icon (usually a map or dollar sign symbol on the home screen). Enter your address or allow the app to use your location. The map displays all nearby ATMs in the Chime network, marked by color or label so you can tell Allpoint machines from MoneyLion machines.

Each ATM listing shows the address, distance from you, and which network it belongs to. Some listings include hours of operation if the ATM is inside a store that closes. You can also search by a specific address—useful if you are planning a trip or know you will be in a particular area.

The locator updates regularly, but ATM locations do change. If you arrive at an ATM and it is no longer there, report it in the app so Chime can update its records. This helps other users avoid the same dead end.

What happens when you withdraw at an out-of-network ATM

If you use an ATM that is not in the Chime network, two separate fees may explore. First, the ATM operator charges their own fee—this is the amount displayed on the machine's screen before you complete the transaction. Second, Chime charges you an out-of-network fee, typically $2 to $3, which appears on your account statement a day or two later.

Some ATM operators charge $1 per transaction; others charge $3 or more. The total cost of a single withdrawal can easily reach $5 if both fees explore. The ATM screen always shows the operator's fee before you confirm the withdrawal, so you can cancel if the cost is too high.

Chime does not refund out-of-network fees, so the best approach is to use the app's locator before you need cash. If you do incur an out-of-network fee by mistake, you can contact Chime support through the app to ask about it, but refunds are not may provide.

Allpoint and MoneyLion network coverage

Allpoint operates the larger of Chime's two networks, with over 55,000 ATMs worldwide. In the United States, Allpoint machines are concentrated in retail locations: grocery stores like Kroger and Safeway, pharmacies like CVS and Walgreens, and convenience stores. Allpoint also has machines in some international locations, which is useful if you travel abroad.

MoneyLion's network is smaller but still substantial, with thousands of ATMs across the country. MoneyLion machines tend to be in different locations than Allpoint machines, so having access to both networks increases your options. For example, a MoneyLion ATM might be in a bank lobby while the nearest Allpoint machine is in a grocery store.

Coverage varies by region. Rural areas may have fewer machines in either network, while urban and suburban areas typically have multiple options within a short distance. The app's locator is the most reliable way to check what is available where you live or travel.

Withdrawing cash at a retail store without an ATM

Some retailers offer cash back when you make a purchase with your Chime debit card. You ask the cashier for cash back, and they deduct the amount from your purchase total and hand you the difference. This is free—Chime does not charge a fee, and most retailers do not either.

Cash back is available at grocery stores, pharmacies, and many other merchants, but not all. The cashier will tell you if it is not an option at that location. The amount you can withdraw varies by store; some allow up to $100, others cap it at $20 or $50.

Cash back is convenient if you are already shopping, but it requires you to make a purchase. If you need cash and do not plan to buy anything, using an ATM in the Chime network is the better option.

Transferring money to another bank account instead of withdrawing cash

If you need to move money to another account rather than withdraw it as cash, you can transfer directly from Chime to another bank. Chime allows external transfers to any U.S. bank account you own. You provide the receiving bank's routing number and your account number, and Chime sends the money electronically.

Standard external transfers take one to three business days. Chime also offers when ready transfers to certain banks and payment services (like PayPal or Square Cash) for a small fee, usually $0.25 to $1.50 per transfer. when ready transfers arrive within minutes.

This option is useful if you are moving money between your own accounts or paying someone who has given you their bank details. It is faster and cheaper than withdrawing cash and depositing it in person, especially for large amounts.

Frequently Asked Questions

Can I withdraw money from a Chase or Bank of America ATM with my Chime card?

Only if that ATM is part of the Allpoint or MoneyLion network. Most large bank ATMs are not in either network, so you would pay an out-of-network fee. Use the Chime app to check whether a specific ATM is in the network before you use it.

What is the daily limit for ATM withdrawals?

Chime's standard daily ATM withdrawal limit is $500, though this can vary based on your account type and history. Check your account settings in the app to see your specific limit. Some transactions may lower this limit temporarily.

Do I pay a fee if I withdraw from an Allpoint ATM inside a bank?

No. Allpoint ATMs are surcharge-free regardless of where they are located. If an Allpoint machine is inside a bank branch, you still pay no fee to Chime. The ATM operator (in this case, the bank) also does not charge a fee because Allpoint handles the transaction.

Can I withdraw money at night or on weekends?

Yes. ATMs in the Chime network operate 24/7. However, some ATMs are inside stores that close at night, so the machine may not be accessible outside store hours. The app's locator shows hours for machines inside retail locations so you know when you can access them.

What should I do if an ATM takes my card?

Contact Chime support through the app when ready. Chime can freeze your card to prevent unauthorized use and issue a replacement. Most ATMs return cards after a set time (usually 30 seconds to a few minutes), but do not wait—contact support right away so Chime can protect your account.