Chime ATM Withdrawal and Deposit Limits: What ATMs Can I Use With Chime?

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Chime® is a financial technology company that provides many benefits to its members, such as a Chime Visa® debit card1, 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-free5 services.

What Is Chime’s ATM Network?

Chime offers a large ATM customer-centric system2 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® 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 is less widely known, but its network has more than 1,900 organizations and over 130 million users. As such, it is easy to find either a MoneyPass or VisaAlliance ATM for fee-free use.

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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:

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Type Amount
ATM withdrawal limit $515 per day
Cash back at point of sale Varies by merchant, up to $515 per day
Over-the-counter withdrawal $515 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 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.

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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:

  1. Clicking “Move Money” in the mobile app.
  2. You’ll be navigated to a page with the routing number and account number needed by your employer.
  3. You can then choose to have a pre-filled form forwarded to your employer via email or to print it.

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 $10,000 per day and $25,000 per month but can take up to 5 business days to process.

Mobile Check Deposit

You can easily deposit a traditional check to your account by utilizing Chime’s mobile check deposit3 feature in the app. With a few pictures and a little information, your funds can be added to your account very quickly.

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Cash Deposit

You can also choose to deposit cash at more than 90,000 retail locations.4 Retailers use third-party services, such as Green Dot, to load funds into your Chime Spending Account. Some retailers include:

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.

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 cash-back 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 $515 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 $515 in a day, this practice will only go so far.

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The next step would be to get an over-the-counter withdrawal. This allows for another $515 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.

More on Chime Bank

Jared Nigro contributed to the reporting for this article.

Information is accurate as of Apr. 3, 2023.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

*Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC.

1Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

2Out-of-network ATM withdrawal and over the counter advance fees may apply. See here for details.

3Mobile 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.

4The 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 and Duade Reade.

5There’s no fee for the Chime Savings Account. Cash withdrawal and Third party fees may apply to Chime Checking Accounts. You must have a Chime  Checking Account to open a Chime Savings Account.