The standard Chime card daily withdrawal limit for a debit card is up to $515, while the Credit Builder card allows up to $1,015 in ATM withdrawals per day. Your personal limit may differ, so checking the Chime app is the only way to know your exact chime card daily withdrawal limit.
What is the Chime card daily withdrawal limit?
The daily ATM withdrawal limit for a standard Chime debit card is up to $515. For the Chime Credit Builder secured card, the daily ATM withdrawal limit can be up to $1,015. These are the maximum amounts Chime sets, but your actual limit may be lower based on your account history and activity. To see your specific limit, open the Chime mobile app and navigate to your card settings, and you can also review the Chime card withdrawal limit for details on over-the-counter cash back at retailers. To avoid out-of-network fees when withdrawing cash, always use the Chime card cash withdrawal locations in the fee-free ATM network.
Chime ATM cash withdrawal limits and fees
Every over-the-counter cash withdrawal at a bank or credit union teller costs a $2.50 fee. This applies whether you use a Chime debit card or the Credit Builder card. However, using an in-network ATM through the Chime app’s ATM Finder incurs no fee from Chime. The ATM owner may still charge a fee if it is out of network, so always use the ATM Finder to locate fee-free machines near you. The $2.50 over-the-counter fee is separate from the daily ATM withdrawal limit and applies each time you withdraw cash at a teller window.
Using SpotMe for ATM withdrawals
Chime SpotMe allows eligible members to overdraw their account for ATM withdrawals fee-free. SpotMe limits start at $20 and can potentially increase to $200 based on your direct deposit history and account activity. To qualify, you typically need a qualifying direct deposit of $500 or more per month. SpotMe covers ATM withdrawals that would otherwise be declined due to insufficient funds, giving you a safety net without overdraft fees. Your SpotMe limit is not the same as your daily ATM withdrawal limit; it is an additional buffer that applies after your available balance is exhausted.
Chime daily spending and purchase limits
The daily spending limit for point-of-sale transactions (signature and PIN-based purchases combined) is separate from the ATM withdrawal limit. While the verified facts do not specify a number for purchase limits, the daily ATM withdrawal limit of $515 (debit) or $1,015 (Credit Builder) only applies to cash withdrawals. Purchase transactions at stores, online, and for services count against a different daily spending cap. Check the Chime app for your combined daily purchase and withdrawal limits.
Other ways to get cash with your Chime card
You can get cash back at participating retailers like Walmart and Dollar General during a point-of-sale transaction. Simply select “cash back” when paying with your Chime debit card, and the cash is added to your purchase total. This avoids ATM fees and counts toward your daily spending limit, not your ATM withdrawal limit. Chime does not currently offer cardless ATM withdrawals; a physical Chime card is required to access cash at any ATM.
How to find your personal Chime withdrawal limit
Under the “Cards” section, select your Chime debit card or Credit Builder card. Your personalized daily ATM withdrawal limit will be displayed there. If you need to lock your Chime card temporarily, for example, if it is misplaced, use the same Settings menu. This prevents any unauthorized withdrawals until you unlock it. Your limit can change over time based on your account activity, so check periodically.
